PKO BP mobile application failure – thousands of customers without access to accounts!

The Wednesday afternoon of 2025 brought unpleasant surprises to customers of the largest bank in Poland – PKO BP. Users of mobile banking iPKO on a massive scale reported problems with access to their accounts. The accident affected thousands of customers, causing immense confusion in the largest cities in the country, specified as Warsaw, Kraków, Poznań or Tricity.

Problem scale: thousands of applications on Downdetector

According to the platform data Downdetector, the first problems arose around 2:00 and rapidly intensified. In a fewer minutes, nearly 1,000 cases of obstruction were reported, and this number grew avalanchely, reaching almost 2000 reports per hour.

The most commonly reported problems are:

• No ability to login to the iPKO mobile application – over 50% of applications.
• Problems with the overall functioning of mobile banking - About 30% of the calls.
• Difficulties with card payments – about 5% of cases, which peculiarly concerns customers utilizing cards in regular transactions.

Disaster Geography: the largest cities on target

The accident peculiarly affected large cities. Problems have been reported mainly in:

• Warsaw,
• Krakow,
• Poznań,
• Tricity,
• Szczecin.

This suggests that the failure may have been related to the strategy burden in large urban centres, where a crucial number of users of banking services are concentrated.

PKO BP reaction to failure

In consequence to increasing client discontent, PKO BP has issued an authoritative message confirming the existence of method problems. The Bank noted that the problems concern only mobile applications, and the safety of client funds is not at risk.

To supply access to accounts, the bank recommended utilizing alternate channels specified as:

• Internet service iPKOThat worked without interference.
• Contact the bank hotline in urgent cases.

The Bank besides reported that technical teams are working hard to reconstruct full functionality of mobile application.

Experts warn: caution first

Cybersecurity experts stress that in the event of accidents like this, customers should:

• Avoid multiple login attempts – this may besides overload the banking systems.
• Use only authoritative information channels – the bank updates the position of the crash on its website and on social media.
• Be vigilant against possible fraud – in specified situations cyber criminals frequently effort to exploit panic by sending false messages or creating phishing sites.

Background of the problem: failure of mobile banking in Poland

The PKO BP failure is not the first specified case in Poland. In fresh years, the growth in the popularity of mobile banking has put a crucial strain on bank IT systems. According to the study of the Union of Polish Banks, in 2024 the number of mobile banking users in Poland exceeded 20 million people, an increase of 12% compared to 2023.

Such a large number of users, especially during highest hours, can lead to strategy overloads and failures. Experts indicate that banks should invest in upgrading IT infrastructure to meet increasing client requirements.

PKO BP – the largest bank in Poland under pressure

PKO BP, as the leader of the Polish banking sector, supports more than 11 million customersWhich makes him a key player in the market. This kind of failure echoes widely in the media and can affect client confidence. However, it is worth noting that the bank reacted quickly, which minimises the hazard of further image losses.