Privacy Policy

The protection of the privacy of the users of PKO Bank Polski’s website ( is of paramount importance for us. Below you will find explanations concerning what data we collect and what rules of processing and use of the data we follow. We limit the use and collection of information about the users of the website to the necessary minimum required to provide top quality services.

In this section, you will find information about: the P3P protocol, the tools we use to ensure the greatest possible convenience of using the site (cookies, system logs, the rules of collection of e-mail addresses) as well as information about data collected by third-party advertising agencies.

We protect the private data of our users and so before you enter the website of PKO Bank Polski, your internet browser will tell you via the P3P protocol what data is gathered and on what pages.

By means of the cookie technology, we only collect anonymous statistical data about users in order to enhance their experience in the use of the website and to minimise burdensome advertisements. We do not gather any data which would identify the users as persons or customers of PKO Bank Polski.

Comfort takes precedence

We do our utmost to make sure the website is comfortable to use. In order to boost performance, we have employed anonymous cookie technology and collect statistics of phrases most often searched for in a search engine and thanks to this we update the site navigation on an ongoing basis, so that the search for content would be comfortable and intuitive.

System logs

These contain such data as the IP address from which a given sub-page was entered and the connection time. System logs are only used for a statistical purpose and they are not meant to identify service users. The analysis of such logs enables us to align the contents of the page with the interests of individual users. This information is by no means connected with the personal details of customers of PKO Bank Polski.

Links to other websites

We are not responsible for the privacy protection rules applied by the owners of the pages to which links are published on PKO Bank Polski’s website. We encourage users to read the privacy statements published on partner sites, especially where they collect personal details.


Some pages on our site use Floodlight technology, which serves the purpose of compilation of aggregate statistics concerning the use of the site. Floodlight is an electronic one-pixel (1x1) or transparent picture.

Floodlight tags may recognise certain information on the users’ computers, such as the cookie number, the date and time of the visit on the website and the description of the site on which Floodlight is placed.

Third-party advertising agencies

When you are visiting an internet site on which an advertisement for PKO Bank Polski is displayed, our internet advertising agency may send cookie or floodlight files to your computer. This will enable it to recognise your computer at another visit or to measure the user’s reaction to the advertisement. Naturally, these are only anonymous statistic unrelated to the user’s personal data or databases of customers of PKO Bank Polski.

Changes in the privacy policy of PKO Bank Polski’s website

What may influence changes in the privacy policy of PKO Bank Polski’s website is the development of internet technology, potential changes in the legislation concerning personal data protection and the development of our website. You will be advised of all such changes via our website.

What is P3P protocol?

Platform for Privacy Preferences (P3P protocol) is a new privacy protection technology created by the World Wide Web Consortium (W3C). This technology enables the user to make conscious decisions regarding which of their personal details may be collected by a website. PKO Bank Polski cares about the personal details of its customers and so it has implemented the P3P protocol on its website ( .

Browsers with the P3P technology implemented are able to automatically decide which cookies do not infringe on the user’s privacy preferences.

Cookies - what are they?

They are small text files sent by websites and saved by the user’s internet browser. Cookies can be divided into temporary ones - “remembered” until the browser is closed and cookies with a specified expiry date, which are saved by the browser for a longer time.

Sending cookies to the browser can by no means violate the user’s privacy. Information included in the cookies can only be used by the website which sent them. If you disable cookies in the browser you use, it may cause difficulties in the operation of certain functionalities of the website or they may not operate at all.

What cookies we use

On our website, we use cookies which are saved to the hard drive of the user’s end device in order to facilitate navigation and align the site to the user’s preferences.

It is possible to block the saving of cookies to the end device or delete them after the proper configuration of the web browser. If you disable cookies in the browser you use, it may cause difficulties in the operation of certain functionalities of the website or they may not operate at all.

If your mobile device runs on the iOS operating system, in order to enjoy the full version of the website, you need to enable cookies. If you agree to the saving of cookies, change the settings of your browser.

We have employed two anonymous cookies on the website. Both are solely meant for operation with our site.

A browser with the P3P protocol implemented distinguishes the following cookies:

  • temporary, session cookies - which are not saved to the hard drive but which are necessary to maintain the context of the user’s session. They are very often used by various sites due to the nature of the HTTP protocol by means of which web pages are transmitted.
  • permanent cookies - which are not deleted when the browser is closed and which may be used by the website in the future. These include:
    - cookies within a given domain (first party cookies) - the site configures the cookies only for their own needs,
    - cookies within an external domain (third party cookies) - the site places the cookie so that it can be used by other sites.

Enabling/deleting/blocking cookies

Many browsers have cookies enabled by default. The website user can change the settings or disable cookies in his/her browser at any time. However, disabling cookies may cause the site to operate incorrectly. Using the website with cookies enabled in the browser means that cookies will be stored in the memory of the user’s device.

To find out more about cookies, see “Help” in your browser’s menu.

Microsoft terminates support for Windows XP - take care of secure use of your account online

According to the announcements published by Microsoft on its website, after termination of technical support as of 8 March 2014, Windows XP will continue to operate but machines running it might be exposed to malware and cybercrime attacks at a greater extent - find out more.

In spite of having the latest antivirus software and firewall installed, computers running Windows XP OS might be seriously vulnerable to such attack. Such attacks may result in the theft of access credentials (logins and passwords) for online banking services or, for example, taking control over the device.

Remember: only regularly updated software and the manufacturer’s support for the operating system provides enhanced security. That is why PKO Bank Polski recommends that users of electronic banking run operating systems that are covered by the full technical support of the manufacturers and that they upgrade their operating system to a newer Windows version or replace it with another system which is regularly updated. To find out more information on the manufacturer of Windows XP, visit Microsoft.