Choosing a first bank account depends on age and the ability to meet promotional requirements. It is important to consider card fees and how start-up bonuses are paid.
Accounts for youth and students
VeloBank offers VeloKonto 18-26, which has a monthly fee of 0 PLN without any conditions. This product also includes a card at 0 PLN per month and card currency conversion at 2%. The promotion lasts until 30 November 2026.
Alior Bank provides Alior Konto 18-25 lat with a 0 PLN monthly fee. However, after turning 26, to maintain zero fees, a minimum inflow of 3000 PLN and 5 card/BLIK payments are required.
Start-up bonuses and requirements
In VeloBank, a start-up bonus of 100 PLN is available. Alior Konto 18-25 lat offers a start-up bonus of up to 500 PLN for new customers who have not held an account at Alior in the last 3 years, provided they use code BONUS500 and grant marketing consents.
PKO BP offers bonuses for Konto dla Młodych. To qualify, one must open an account online with a card using code LATO. The bonus mechanism requires logging into the IKO app at least 1 time and making at least 1 contactless transaction in each of the 5 consecutive months.
Card and account maintenance costs
At PKO BP, Konto dla Młodych card service is 0 PLN if at least 2 contactless or BLIK transactions are made during the billing period; otherwise, the fee is 5 PLN. For Alior Konto 18-25 lat, the card costs 6 PLN per month unless age-specific conditions are met.
For younger users, such as the Erste Konto Smart – oferta dla młodych 13 – 17 lat, the monthly fee is 0 PLN.
Data: banks’ pages and fee tables in our database. General information, not financial advice.
