We are changing the Price List of Fees and Commissions

Major changes in the price list

1. We are enabling housing communities to open auxiliary accounts in foreign currencies: EUR, USD, GBP and CHF.

2. We are introducing a 0% fee for granting a loan to repay debt in another bank for Nasz Remont investor loans.

3. We are changing fees and commissions

Changes in the deposit section

• The fees for external transfers, standing orders and direct debits have been increased from PLN 1 to PLN 1.10.
• We are increasing the minimum fee for closed deposits in convertible currencies from PLN 20 to PLN 30.
• We are abandoning the amount-based division for deposits at agencies and introducing a uniform fee of 8% on the entire deposit amount – min. PLN 10.
• We are increasing the fee for BLIK cash withdrawals from other ATMs from 3% – PLN 5 to 3.5% – min. PLN 5.
• We are increasing the fee for issuing a hardware token from PLN 50 to PLN 300.

Changes in the loan section

• We are introducing a 1% commission for early partial or complete repayment of Nasz Remont Loan – PLN 650.
• We are increasing the rates for monitoring the maintenance of inflows for loans and advances:

Company Accounts:

for PLN: from 0.50% – max. PLN 2,000 to 0.75% – max. PLN 3000

              from 0.25% – max. PLN 1,000 to 0.50% – max. PLN 1500

for EUR: from 0.50% – max. EUR 400 to 0.75% – max. EUR 600

              from 0.25% – max. EUR 200 to 0.50% – max. EUR 300

Rachunek dla Przedsiębiorstw:

for PLN: from 0.50% – max. PLN 3,000 to 0.75% – max. PLN 3000

               from 0.25% – max. PLN 3,000 to 0.50% – max. PLN 3000

for EUR: from 0.50% – max. EUR 600 to 0.75% – max. EUR 600

               from 0.25% – max. EUR 600 to 0.50% – max. EUR 600

Changes in other activities

• We are increasing the fee for preparing an amendment to the agreement for changes that do not require a creditworthiness assessment
  from PLN 500 to PLN 650.
• We are reducing the minimum fee for preparing an amendment to the agreement for changes that require a creditworthiness assessment for Nasz Remont investor loans from 0.1% of the current loan balance – min. PLN 1500 to min. PLN 1000.
• We are increasing the fee for reminding about an obligation resulting from the agreement, including failure to provide documents, from PLN 115 to PLN 500.

 

4. We are moving PKO Rachunek dla Przedsiębiorstw account to the “VI. Accounts and packages under administration” section. This means that PKO Rachunek dla Przedsiębiorstw account will not be offered to our new Clients, and existing Clients can change their package free of charge to a currently offered one or continue to use PKO Bank Polski’s products and services within the PKO Rachunek dla Przedsiębiorstw account.

 

At the same time, we are changing some fees and commissions related to PKO Rachunek dla Przedsiębiorstw account – including:

• We are increasing the fee for maintaining a current account from PLN 79 to PLN 100. We still offer the possibility to reduce the fee for maintaining a current account, however, we have raised the minimum inflow threshold – PLN 350,000 in a calendar month.
• We are increasing the fee for maintaining a foreign currency auxiliary account from PLN 5 to PLN 30.
• We are increasing the fees for external transfer in PLN and foreign SEPA transfer and in EUR to EEA countries in standard mode, made
  through electronic banking from PLN 1.2 to PLN 1.5; for the same transfer made at a branch or via helpline, we will charge a fee of PLN 80 instead of the current fee of PLN 20.
• We are increasing the lower amount limit of the commission for external domestic and foreign transfers other than in PLN and foreign SEPA and in EUR to EEA countries in standard mode made at a branch from 0.25% min. PLN 50 max. PLN 190 to 0.25% PLN 80 max. PLN 190.
• We are increasing the fee for transfers to Social Insurance Institution or Tax Office in standard mode made at a branch or via helpline from PLN 20 to PLN 80.
• We are increasing the fee for immediate transfer (we execute it only in PLN) made via helpline or at a branch from PLN 20 to PLN 80.
• We are increasing the fee for executing a standing order in standard mode from PLN 1 to PLN 1.50 for each payment.
• We are increasing the payer’s fee for executing each Direct Debit operation to accounts in other banks from PLN 1 to PLN 1.50.
• We are increasing the monthly fee for using iPKO biznes for up to 5 defined users from PLN 0 to PLN 50.
• We are abandoning the possibility of free deposits at PKO Bank Polski S.A. cash deposit machines up to PLN 50,000 per month. We are introducing a uniform commission of 4% of the deposit amount – min. PLN 10 (currently 0.5% of the deposit amount above PLN 50,000
  in a month). We remind you that deposits using these devices can only be made in PLN currency and only in banknotes.
• We are increasing the commission for open deposits in PLN made at a branch, in banknotes and coins from 0.6% – min. PLN 20 to 2% – min. PLN 50
• We are increasing the commission for open deposits in convertible currencies other than PLN from 0.7% – min. PLN 20 to 2% – min. PLN 50,
• We are increasing the commission for open withdrawals, including those based on a cheque after prior order or in an amount not requiring an order, as specified in the bank’s announcement, from 0.6% – min. PLN 20 to 2% – min. PLN 50.

Other fees and commissions will be charged in accordance with the rates specified for PKO Konto Firmowe Premium.

 

5. We will clarify provisions:

• concerning the conditions for exemption from account maintenance fees, including for non-profit organisations,
• the condition for exemption from the card fee from “monthly” to “card settlement period”,
• concerning the provision of first and subsequent bank statements and account history,
• the total limit of free transfers in the IKO application, iPKO service, iPKO biznes also includes transfers to Social Insurance Institution and tax office,
• the PLN 0 fee for using iPKO biznes for property managers does not apply to housing cooperatives, TBS and municipal (communal) companies that act as property managers,
• the fee for changing the package applies to a change from PKO Rachunek Nasza Wspólnota to PKO Rachunek Nasza Wspólnota Start,
• the commission on the unused amount of the loan is charged from the day the loan is made available,
• property inspection – if the inspection concerns several properties, the fee is charged for each inspected property or technical infrastructure.

Other changes are of a formal or editorial nature.

What happens next?

• If you agree with these changes, you don’t have to do anything.
• If you do not agree to the changes in the price list, within 14 calendar days of receiving this information you may:
  - raise an objection – the bank will then terminate the agreement,
  - terminate the agreement.
• If you do not raise an objection or terminate the agreement within this period, the price list changes will apply to you from 1 December 2025.
• You can find the full text of the price list on our website and in our branches.