PKO Bank Polski
PKO Konto dla Młodych
Free student account from Poland's biggest bank
4.34.3 / 5430 reviews
For students
Pros
- Free for under-26s
- Largest ATM network
- IKO app
Cons
- Fees apply after turning 26
- FX spreads
Summary
A free account for people under 26 with no monthly fee, free card and full mobile banking via IKO.
Fees & costs
Fees
Monthly fee0 PLN (under 26)
Digital
AppIKO
Requirements
- Under 26 years old
- Polish residence
- Valid ID
Benefits
- Free account & card
- BLIK
- Apple Pay & Google Pay
- Student discounts
How to apply
- 1
Click the Apply button to go to the provider's secure site.
- 2
Fill in the online application form with your details.
- 3
Verify your identity online and confirm the agreement.
Frequently asked questions
FP
BankPilots Editorial
Author
Updated: May 2026
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