Currency Account
- PLN 0 for an account maintaining
- 10 available currencies: EUR, GBP, USD, CHF, DKK, NOK, SEK, CZK, HUF, TRY
- PLN 0 for foreign and currency transfers1
- Payments without conversion2
- Access to the online exchange office
What do you gain with a currency account?
Up to 10 accounts with one card
You use one card (debit card issued to your account in PLN), to which you can link to 10 accounts in different currencies: EUR, GBP, USD, CHF, DKK, NOK, SEK, CZK, HUF, TRY
Exchange office online
You will exchange currencies at a favourable/attractive rate and receive money directly to your account. Activate the exchange office in IKO or iPKO
Discover the benefits of the 3in1 currency package
Use a currency account, a multi-currency card to your account and an online exchange office and feel at home in every corner of the world
How much will you pay?
Account
Transfers
- Internal transferPLN 0
- Foreign/currency transfer if you make a transfer in the previous or current calendar month (before submitting the transfer order), min. 1 currency transaction in the exchange office1PLN 0
Deposits and withdrawals
- The first withdrawal in the branch in a given monthPLN 0
- Each subsequent withdrawal in the branch in a given month – from the amount of the transaction0.5% not less than PLN 10
- Deposit in banknotes in a branch in a given month - from the amount of the transaction0.5% not less than PLN 10
- Payment in coins in the branch in a given month - from the amount of the transaction50%
Multi-currency card - one card for personal account and currency accounts
A currency account in a few simple steps
IKO
- 1
Log in to IKO
In the IKO application, select Offers → Currency Account
- 2
Select a currency
Select the account currency and attach the account to a multi-currency card
- 3
Use it
Confirm the opening of a Currency Account and use it. The account is active immediately
How to open a currency package?
Dokumenty
1 Applies to transfers ordered on the iPKO service or IKO application from a Currency Account held in the same currency, in the SHA cost option (i.e. in the field: "Who will pay the transfer costs" select "Split" and "Standard" in the "Bank Currency Date" field if any currency was exchanged in our online exchange office in the previous or current calendar month (before the transfer order). If you confirm transfers with a code from the card of one-time codes, the additional fee is PLN 0.50
2 How to use the card without currency conversion?
- The transaction must be carried out in the currency of EUR, GBP, USD, CHF, DKK, NOK, SEK, CZK, HUF, TRY
- The bank maintains an account for the customer in the currency of the operation (one of the above-mentioned), which is connected to the card at the time of the transaction
- There must be sufficient funds in the foreign currency account to carry out the transaction
- The customer will not use the DCC (Dynamic Currency Conversion) service available at some ATMs or payment terminals
Their operators may charge fees for cash withdrawals in foreign currencies from ATMs. In addition, when the multi-currency feature of the card is not used, cash withdrawals in foreign currencies, including cross-border payment transactions using a debit card for cash payments, involve a currency conversion fee. The rules for currency conversion of operations are contained in the General Terms and Conditions of Bank Accounts and Provision of Services to Individual Customers by PKO Bank Polski SA. The amount of the transaction currency conversion commission is available in the Tariff of Commissions and Fees