In 2025 Polish clients of banks must prepare for significant increases in fees For banking services. Many financial institutions, citing expanding operating costs and inflation, are making changes in fees and commissions. Below are details of these changes and their impact on customers.
Post Bank: fresh tariff from January 2025
The Post Bank announced that as of 1 January 2025 it was introducing a fresh fare and commission. The changes include, inter alia, increases in fees for operations carried out at bank and post offices. For example, the cost of external transfers carried out in the branch or by telephone will increase from PLN 6 to PLN 9. Additionally, customers will pay more for cash withdrawals from any ATMs in Poland and from devices abroad.
PKO BP: Updated fee and commission table
The largest bank in Poland, PKO BP, updated its fee and commission tables. The changes include, among others, an increase in cash withdrawal fees from ATMs. In any cases, customers can pay up to PLN 15 for a single transaction.
Alior Bank: Account How Personal
Alior Bank offers a individual Account that allows customers to choose the benefits tailored to their needs. However, in order to usage any of them, it is essential to meet certain conditions, specified as regular account receipts or active card use. Otherwise, account or card handling fees may be charged.
Bank Pekao S.A.: Transverse account
Bank Pekao S.A. has introduced changes in the offer of the Transverse Account. In order to avoid fees for handling the gold card to the account, the client must guarantee an impact on the account in the erstwhile calendar period of min. 1000 PLN by external transfer and make min. 5 payments with this card. In addition, it is essential to express and keep marketing approvals for the bank.
The banks explain increases in fees to increase operating costs, inflation and the request to adapt the offer to current marketplace conditions. According to forecasts, the operating costs of banks in the European Union will proceed to increase in 2025, albeit at a slower rate.
How to avoid additional fees?
To minimize the costs associated with moving a bank account, it is worth:
- Regularly monitor changes in fares and commissions his bank.
- To meet the conditions issued by banks, specified as minimum account receipts or a certain number of card transactions, to avoid billing fees or card handling.
- Use ATMs belonging to your own bank network or partners to avoid advanced withdrawal fees.
- Consider changing the bank on 1 that offers more favorable terms of account.
The year 2025 brings crucial changes in the fees for banking services in Poland. Customers should be aware of these changes and adjust their banking habits to avoid unnecessary costs. Regular monitoring of bank offers and informed usage of financial services will minimise the impact of increases on the home budget.
More here:
No more free bank accounts? How banks rise fees in 2025
