PKO Bank Polski review

The account charges a monthly fee of PLN 0, so there is nothing to pay simply to keep it open. Spending comes out of the balance you hold, and eligible purchases through the partner offer add cashback of 10% back to the account.

It is a debit card, which means purchases draw on your account balance rather than a prepaid balance you top up. The card runs on the visa network, so it is accepted wherever that network is taken.

The card is listed as multi currency, so more than one currency can sit on the account and be spent from the same card. That suits travel and buying from sellers priced in another currency without opening a second account elsewhere.

Yes, purchases through the partner shopping offer earn cashback of 10%. The rate applies to purchases made with the card at that partner rather than to everyday spending in general, so the benefit depends on how you shop.

Kids are listed as an audience for the card, so a child can hold an account under the same setup. The same card and account structure applies, which makes it a practical first card for a younger family member.

Support runs on chat, phone and email, so you can reach the bank by chat, phone or email. Chat suits quick questions about a payment, while phone is there for anything urgent such as a blocked card.

No, this is a debit card tied to a bank account balance, so it covers everyday spending rather than digital assets. If spending crypto from a card balance matters, a crypto card such as Bitpanda is the closer fit.

Both approaches involve holding more than one currency, but PKO Bank Polski lists multi currency on a bank card in Poland. Wise is built around holding and converting many currencies, so it suits people whose main need is currency handling rather than local card spending.