In 2025, many clients of Polish banks noticed an increase in fees associated with keeping individual accounts. These changes arise from the expanding operating costs of financial institutions and the adjustment of bids to current marketplace conditions. Below we present up-to-date information on fees in selected banks and tips on how to avoid additional costs.
Current fees at selected banks
PKO Bank Polski – Zero Account
- Keeping an account: 0 PLN
- Debit card support: 0 PLN if you make a minimum of 5 transactions in a given period by card or BLIK; otherwise the fee is 10 PLN
- ATM withdrawals:
- 0 PLN for withdrawals from PKO Bank Polski ATMs
- PLN 10 for withdrawals from another ATMs in Poland
Bank Millennium – Millennium Account 360°
- Keeping an account: 0 PLN
- Debit card support:
- 0 zł for people aged 18-26 with 1 card or BLIK transactions per month
- 0 PLN for persons over 26 years old with 5 transactions by card or BLIK per month
- Otherwise, the fee is PLN 5 or PLN 11 depending on the unmet conditions
- ATM withdrawals:
- 0 PLN for withdrawals from Bank Millennium ATMs
- 0 PLN for withdrawals from another ATMs in the country under operating conditions
- 1 PLN for withdrawals from Santander Bank Polska and Planet Cash ATMs under non-compliance
- 5 PLN for withdrawals from another ATMs in the country under non-compliance
VeloBank – VeloBank
- Keeping an account: 0 PLN
- Debit card support:
- 0 PLN if you complete at least 5 non-cash card transactions or BLIK per month
- 0 zł for people under the age of 26
- Otherwise, the fee is PLN 7
- ATM withdrawals:
- 0 PLN for withdrawals from Planet Cash ATMs
- 5 PLN for withdrawals from another ATMs in the country
mBank – eAccount
- Keeping an account: 0 PLN
- Debit card support:
- 0 PLN if you execute non-cash transactions in a given period with a value of at least PLN 350
- Otherwise, the fee is PLN 9
- ATM withdrawals:
- 0 PLN for withdrawals from all ATMs in Poland above 300 PLN
- PLN 2,50 for payments below PLN 300
How to avoid additional charges?
To minimize the costs associated with moving a individual account, it is worth:
- Regular usage of debit card or BLICK: Performing a certain number of transactions per period frequently relieves card handling fees.
- Use your own bank ATMs: Bank ATM withdrawals are usually free of charge.
- Monitor changes in fee and commission tables: Banks can update their fees, so it is worth keeping up with the information available on the bank's websites.
Comparison of bank offers
In 2025 various offers of individual accounts are available on the market. any banks offer additional bonuses for beginning an account and gathering certain conditions. For example, Santander Bank Polska offers up to PLN 700 cash bonus and PLN 100 for purchases, mBank – up to PLN 450 cash bonus and PLN 200 for purchases in Biedronka, and PKO BP – PLN 500 bonus.
Before selecting an account, it is worth utilizing current rankings and comparisons, which take into account the latest promotions and fees. This allows you to find an account best suited to individual needs and avoid unnecessary costs.
In 2025, fees for keeping individual accounts in Polish banks vary and depend on gathering certain conditions of activity. To avoid additional costs, it is worth regular
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