Bank Pekao S.A. is one of the oldest and largest financial institutions in Poland. Founded in 1929, it has played a key role in the country’s economic development for nearly a century. As a universal bank, Pekao provides a full range of financial services to individual clients, businesses, and institutions.
Throughout its history, the bank has been a symbol of trust and stability. It was the first Polish bank to open branches abroad and introduce modern banking technologies. Today, Bank Pekao is part of the PZU Group, one of the largest financial groups in Central and Eastern Europe, and continues to be a major pillar of the Polish banking system.
Short History
Year / Period
Milestone / Event
1929
Bank Pekao is founded to serve Polish citizens and emigrants.
1930s–1939
Opens branches abroad in cities like Paris, New York, and Buenos Aires.
Post–World War II
Becomes a state-owned bank managing foreign currency and international operations.
1990s
Undergoes privatization and modernization during Poland’s transition to a market economy.
2000s
Develops digital services and expands its product portfolio.
Since 2017
Becomes part of the PZU Group, strengthening its position in the Polish market.
Services for Individual Clients
Service
Description
Current Accounts
The “Konto Przekorzystne” account – free monthly maintenance if you meet simple activity conditions (e.g., one card/BLIK transaction per month).
Bank Cards
Debit and credit cards (Visa/Mastercard) – free with minimum spending; support for BLIK, Apple Pay, Google Pay, Garmin Pay.
Deposits & Savings
Fixed-term deposits with promotional interest rates (e.g., 6% for 3 months); flexible savings accounts; “My Goals” feature for budgeting and saving.
Loans
Cash loans up to 200,000 PLN, often available entirely online; housing loans with quick pre-approval and individual rate offers.
Mobile & Online Banking
The PeoPay app enables full account access: open accounts, apply for loans, make payments, use BLIK, and contact advisors — all via smartphone.
Loan Services for Individual Clients
Loan Type
Details
Cash Loan (“Pożyczka gotówkowa”)
Online or branch application; 0% commission, fixed-rate option (up to 50,000 PLN, RRSO 13.83%) or standard rate (up to 250,000 PLN, RRSO 9.91%); repayment period 1–10 years; funds available in 1 day
Express Cash Loan
Fast online option for current clients; same terms as cash loan with streamlined application via Pekao24 or PeoPay
Mortgage Loans
Home purchase, renovation, or construction financing; personalized interest rates, pre‑approvals in minutes (info available on main services page)
Overdraft Loan (Account Credit)
Linked to current account (“Konto Przekorzystne”); variable interest (~21.62% RRSO example); requires minimal documentation for existing clients
Mortgage Loan Options at Bank Pekao
Loan Type / Program
RRSO
Details
Standard Mortgage (variable rate)
7.89 %
Based on WIBOR 1M + margin (1.89 %); full disbursement, 22 yrs 11 mo, requires ~36 % down payment; funds to borrower or contractor.
Standard Mortgage (fixed 5-year)
7.40 %
Fixed rate period of 5 yrs at ~6.23 %; then variable WIBOR + 1.89 %, 23 yrs 2 mo term, ~31 % down; funds disbursed similarly .
Family Mortgage (no down payment)
7.46 %
Allows ~95 % financing with Family Plus guarantee; 25 yrs 10 mo term for primary home, variable WIBOR + 2.35 % margin .
EKO Mortgage (eco-friendly)
7.13 %(variable) / 8.06 % (fixed)
For homes with sustainable features (solar, heat pumps); up to 90 % financing; margin from 1.94 %; includes online pre-approval, free pre-approval letter .
Services for Business Clients
Service
Description
Business Accounts
Current and savings accounts in PLN and foreign currencies; tailored packages for micro, SME, and corporate clients.
Online & Mobile Banking
PekaoBiznes24 platform and mobile app – manage accounts, payments, payroll, and FX remotely with high-level security.
Corporate Cards
Debit and credit cards for employees and company expenses; integration with expense tracking systems.
Payments & Transfers
Domestic and international transfers (SEPA, SWIFT); automated payroll; standing orders and e-invoicing.
Foreign Exchange (FX)
Real-time currency exchange, FX forward contracts, and hedging tools for international trade.
Financing & Loans
Working capital loans, investment financing, commercial mortgages, leasing, and EU-backed loan guarantees.
Leasing & Factoring
Leasing for vehicles, machinery, and equipment; factoring solutions for invoice-based financing.
Cash Management
Services for liquidity optimization, account consolidation, cash flow forecasting, and collections.
Trade Finance
Letters of credit, bank guarantees, and export/import support tools for global operations.
Loans for Business Clients
Loan/Product
Details
Overdraft / Current Account Loan
Revolving credit linked to your business account, in PLN or foreign currencies; flexible access and repayment (up to 3 years)
Non‑Revolving Working Capital Loan
Fixed-term financing for operating needs, also in foreign currencies, with scheduled repayments
Investment Loan
Financing for fixed assets (e.g. machinery, expansion), disbursed as lump sum or in tranches aligned with project stages
Business Express Loan (“Pożyczka Przekorzystna Biznes”)
Quick online loan for sole proprietors (≥2 yrs in business), 0 % or low commission, up to 400 k PLN, no collateral, up to 8 yrs
Commercial Mortgage Loan
Financing for commercial property (purchase, construction), long-term repayment, tailored to improve financing structure
SME Leasing & Factoring
Leasing of vehicles, machinery, real estate; factoring (full and non-recourse) for invoice financing
Sustainable / Green Loans
Investment and sustainability-linked loans (e.g., for renewable energy, ESG projects) with green conditions
SME Guarantee Program Loans
Investment and working capital loans supported by EIF or Pan-European Guarantee Fund, covering up to ~80% of financing
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