PKO Bank Polski with peculiar offer for uniformed services

Preferential conditions for granting a hypothetical credit, cash loan, insurance or bank account – this is only part of the offer that PKO Bank Polski prepared for officers and employees of uniform formations. Pensioners and pensioners working with the services may besides benefit from the proposal. The promotion is valid until 2 July 2026.

The offer includes a wide scope of financial products – from individual account and cash debt to mortgage credit to motor insurance and acquisition of vehicles on preferential terms.

For those who service – on better terms

Officers and employees, among others, may usage the offer. Police, Border Guard, State Fire Service, State safety Service, National taxation Administration, Prison Service, Armed Forces of Poland, Military Fire Protection. The proposal was prepared for people who care about the safety of citizens and the country all day – now they can number on preferential financial conditions in the largest Polish bank.

PKO Account without Borders – 0 PLN for keeping an account for 2 years

As part of the promotion "Additional Benefits", customers who open PKO Account without Borders until 2 July 2026, they can usage the account for 2 years without any account fees – it is adequate to supply monthly receipts of at least PLN 1000.

The account shall enable:

• free standard transfers,
• proximity payments, including by telephone or watch,
• a debit card with multi-currency function free of charge,
• free withdrawals by card or BLICK at home and abroad,
• free deposits and withdrawals at bank facilities.

Own Angle — low margin and no commission

For those planning to buy their own flat or home or pay off a housing debt in another bank, peculiar conditions have been prepared under the mortgage debt ‘ Own Angle’ (RRSO 6.69%).

Depending on the variant, customers can number on the margin from 1.5% and 0% of commissions, if they have at least 20% of their own contributions, will benefit from life insurance at PKO Bank Polski, will supply at least PLN 3000 impact on the PKO BP account for the Own Mortgage Angle.

You can usage the offer in both mortgage and online branches – via Digital Mortgage Credit.

Cash loan

For uniforms who request fast financial support, is available cash loan with a rate of 12.79% and zero commission (RRSO 13,57%). The amount of the debt is from PLN 1500 to PLN 300 000, with a repayment period of 2 to 120 months. Measures may be earmarked for any purpose, from renovation to consolidation of another commitments.

An application for an account, a mortgage and a cash debt can be submitted at the PKO Bank Polski facility.

Trust and stability

The fresh offer is an appreciation for those who care for security, order and public good on a regular basis. It besides includes transport insurance and financing, rental and acquisition of the car. More information about the offer and conditions of promotion is available at the PKO Bank Polski.

Personal Account

Account information, payment methods, close-up payment requirements as well as a agenda of bank commissions and charges are available on pkobp.pl and in bank branches.

Mortgage loan

The actual yearly interest rate (RRSO) for the one-off debt of the Own Mortgage Angle at PKO Bank Polski secured by mortgage is 6.69% with the following assumptions:: duration of the contract: 25 years; full amount of credit (without credit costs) PLN 375 000; LTV (amount of credit to the safety value) 61.4%; fixed interest: 5.83%/year (up to 5 years with a decrease of 0.2 p.p.) which consists of a 5-year fixed base rate of 4.53%/year from 10.10.2025 and a margin of 1.3%; and then a variable interest rate of 6.03%/year (from 6 years to the end of the interest period), which consists of a WIBOR 6M mention rate of 4.53%/year (assuming that WIBOR 6M corresponds to a 5-year fixed base rate) and a margin of 1.5%; the full cost of the debt of PLN 380 117.93, including a commission of PLN 0%, interest of PLN 347 612.37, real property insurance of PLN 7 500 (for the full credit period, for the insurance offered through PKO Bank Polski), the assessment of the value of the property to supply collateral of PLN 400, PCC 19, ROR (Conto for Zero) 0 (for the full life period of PLN 2,61, in relation to PLN 2,000, PLN , PLN , with a full The calculation was made on 10.10.2025 on a typical example for the offer for uniformed services.

The actual yearly interest rate (RRSO) for the one-off mortgage debt ‘Own Angles’ in PKO Banke Mortgages SA is 6,69% with the following assumptions:: duration of the contract: 25 years; full amount of credit (without credit costs) PLN 357,520; LTV (amount of credit to the safety value) 61,30%; variable interest rate with a fixed interest rate of 5,83%/year (up to 5 years with a decrease of 0,2 p.p.), which consists of a 5-year fixed base rate of 4.53%/year of 10.10.2025 and a margin of 1,30 p.p., and then a variable interest rate of PLN 6,03%/year (from 6 years to the end of the interest period), which consists of a WIBOR 6M 4,53%/year mention rate (assuming that WIBOR 6M corresponds to a 5-year fixed base rate of 1,5 p.p.; full cost of credit of PLN 362,418,79, including a commission of PLN 0%, interest of PLN 331,408,79 per year, insurance of the property of PLN 7,150,50 (for the full credit period, for the insurance offered via PKO Bank Polski); assessment of the value of the property with a loan, PLN 400, PCC, PLN 1,980 PLN, PLN, PLN , PLN , PLN The calculation was made on 10.10.2025 on a typical example for the offer for uniformed services.

PKO Bank Polski may act as a lender or as a related mortgage credit intermediary – PKO Banke Mortgage SA. PKO Bank Polski as a related mortgage credit intermediary acting exclusively on behalf of and on behalf of 1 creditor of PKO Bank Polski performs the activities of the mortgage credit intermediary related to the sale of PKO mortgage credit, including the preparation of the documentation required to grant the loan, the transfer of all pre-contractual information, including the credit decision, to the client. The debt application shall be submitted to both banks and considered first by the PKO Bank. Information which of the banks (PKO Bank Hypothetical or PKO Bank Polski) will be able to be a organization to the credit agreement is provided in the credit decision.

In the case of variable interest rate loans with a fixed interest rate over a 5-year period, the amount of the instalment may be periodically higher than if it were calculated on the basis of the current WIBOR ratio. The variable interest rate credit is linked to the hazard of a change in the interest rate, including a crucial change or cessation of the benchmark, the increase in the benchmark value, the crucial change or cessation of improvement and its replacement by a benchmark or an alternate benchmark, or the interior interest rate utilized in client settlements may consequence in an increase in the interest rate of part of the debt instalment. PKO Bank Polski is an insurance agent. The protection is provided by PKO TU SA Life.

Details of the insurance, including the limitations and exclusion of liability of the insurer, can be found in the General Insurance Conditions on the bank's website. The decision to grant a debt depends on creditworthiness. We'll measure it on the basis of a client's application. another details and conditions for mortgage credit are included in the Bank's Fees and Fees Tariff and information on these products available on the bank's website.

Cash loan

Representative example: the actual yearly interest rate (RRSO) is 13,57%, the full amount of credit (without credit costs): 35 000,00 PLN, the full amount to be paid: 50 335,09 PLN. In the case of variable interest rates: 12.79%, the full cost of credit is PLN 15,335.99 (including commission: PLN 0.00, interest: PLN 15,335.99), 71 monthly instalments equal to PLN 698,98 and the last instalment: PLN 707,51. We did the calculation on 15.10.2025 on a typical example. The decision to grant a debt is subject to creditworthiness. We'll measure it on the basis of a client's application. another details and terms of the debt are included in the Bank's Fees and Fees Tariff and the product information available on the bank's website.

Insurance

Information about insurance of PKO Moto, including exclusions and limitations of liability of PKO TU S.A. can be found in General Insurance Conditions and in the case of compulsory insurance of civilian liability of motor vehicle holders in the Act on Mandatory Insurance, Insurance warrant Fund and Polish Offices of Communication Insurers, available on our website. Insurance protection is provided by PKO TU S.A. and the bank is an insurance agent.