Data checked 23 September 2026
Bank account sign-up bonuses in Poland change often, and providers set their own conditions on qualifying transactions, card usage or minimum incoming transfers. This roundup lists five personal accounts with active sign-up offers, ranked by published score.
PKO BP — PKO Konto za Zero
PKO Konto za Zero combines a no-cost monthly fee with the largest published sign-up bonus in this list.
- Monthly fee
- PLN 0
- Card fee / month
- not published
- Sign-up bonus
- up to PLN 1,200
- Offer ends
- not published
Why it ranks here
- Monthly fee is PLN 0
- Sign-up bonus is up to PLN 1,200
- Highest overall score among the accounts compared, 7.1/10
Watch out for
- Check PKO BP’s terms for the exact conditions needed to qualify for the full bonus amount
Alior — Alior Konto
Alior Konto pairs a fee-free account with a sign-up bonus that has a fixed offer window.
- Monthly fee
- PLN 0
- Card fee / month
- not published
- Sign-up bonus
- up to PLN 800
- Offer ends
- 12 October 2026
Why it ranks here
- Monthly fee is PLN 0
- Sign-up bonus is up to PLN 800
- Score of 5.9/10 places it second in this comparison
Watch out for
- Offer ends 12 October 2026, so timing matters if this bonus is a factor
- Check Alior’s terms for any activity requirements tied to the bonus
Erste — Konto Erste Platinum
Konto Erste Platinum offers a higher headline bonus but scores lower overall than the top two accounts.
- Monthly fee
- not published
- Card fee / month
- not published
- Sign-up bonus
- up to PLN 1,500
- Offer ends
- not published
Why it ranks here
- Sign-up bonus is up to PLN 1,500
- Included in this comparison as a mid-ranked option, 5.2/10
Watch out for
- Monthly fee is not published here — check Erste’s terms before comparing costs
- The lower score suggests some published details are missing; verify directly with the provider
Pekao — Konto Przekorzystne
Konto Przekorzystne has no monthly fee but a smaller sign-up bonus and a lower overall score.
- Monthly fee
- PLN 0
- Card fee / month
- not published
- Sign-up bonus
- up to PLN 300
- Offer ends
- 29 September 2026
Why it ranks here
- Monthly fee is PLN 0
- Sign-up bonus is up to PLN 300
Watch out for
- Offer ends 29 September 2026
- Score of 4.4/10 is below the midpoint of this comparison, indicating some details may not be published
Credit Agricole — Konto z promocją „Smakuj chwile, odbieraj zwroty”
Credit Agricole’s promotional account ranks last in this comparison based on its published score.
- Monthly fee
- not published
- Card fee / month
- not published
- Sign-up bonus
- up to PLN 1,000
- Offer ends
- 29 September 2026
Why it ranks here
- Sign-up bonus is up to PLN 1,000
Watch out for
- Offer ends 29 September 2026
- Monthly fee is not listed here — check Credit Agricole’s terms
- Score of 3.8/10 is the lowest in this list, which usually means fewer published figures
Side by side
| # | Product | Monthly fee | Card fee / month | Sign-up bonus | Offer ends | Score |
|---|---|---|---|---|---|---|
| 1 | PKO BP — PKO Konto za Zero | PLN 0 | not published | up to PLN 1,200 | not published | 7.1 |
| 2 | Alior — Alior Konto | PLN 0 | not published | up to PLN 800 | 12 October 2026 | 5.9 |
| 3 | Erste — Konto Erste Platinum | not published | not published | up to PLN 1,500 | not published | 5.2 |
| 4 | Pekao — Konto Przekorzystne | PLN 0 | not published | up to PLN 300 | 29 September 2026 | 4.4 |
| 5 | Credit Agricole — Konto z promocją „Smakuj chwile, odbieraj zwroty” | not published | not published | up to PLN 1,000 | 29 September 2026 | 3.8 |
How we rate this ranking
Each product gets a score out of 10 from the criteria below. Figures come only from the providers’ published pages; anything we could not confirm counts against the score instead of being guessed. Commission never enters the score.
- Bonus value ("up to" counts half)60%
- Monthly fee25%
- Known conditions15%
Questions
Which account has the largest sign-up bonus?
Among the accounts listed, Konto Erste Platinum publishes the highest bonus, up to PLN 1,500, though it ranks third overall on score.
Do any of these offers have a deadline?
Alior Konto’s offer ends 12 October 2026, and both Pekao’s and Credit Agricole’s offers end 29 September 2026 and 29 September 2026 respectively. Readers should check each provider’s terms for current dates.
Why do some accounts have lower scores despite decent bonuses?
A lower score often reflects missing published details, such as fees or conditions, rather than a worse bonus. Checking the provider’s terms directly fills in the gaps.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
