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If you live in Poland and are looking for a reliable, affordable and internationally accepted credit card, PKO BP Visa Classic might be just what you need.
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Issued by PKO Bank Polski, the largest and most traditional bank in Poland, the card Visa Classic combines the trust of a large financial institution with modern digital control capabilities.
Accepted worldwide thanks to the flag Visa, it allows you to make in-person and online purchases with ease, as well as withdraw cash from ATMs inside and outside the country.
The card is fully integrated into the app IKO, considered one of the best banking apps in Europe, with comprehensive tools for controlling spending, limits, blocks, payments, and much more—all in the palm of your hand.
Whether you're an international student, a foreign worker, or a Polish citizen, PKO BP Visa Classic offers convenience, security, and comprehensive support in Polish and English.
Additionally, the card may have exemption from monthly fees, depending on its use, making it a financially attractive option for everyday use.
Main Benefits of the PKO BP Visa Classic Card
✅ International acceptance with Visa flag
Use the card at millions of stores and websites around the world, ideal for travel, online shopping, and international services.
✅ Low monthly fee (with possibility of exemption)
The monthly cost ranges from PLN 6 to PLN 8, but can be waived if you perform a minimum number of transactions per month.
✅ Withdrawals and purchases abroad
Withdraw from international ATMs and pay for your purchases with automatic currency conversion, with fees visible in the app or online banking.
✅ Total control with the IKO app
Manage everything through the app: block your card, check your limit, receive instant notifications, and control invoices and statements in real time.
✅ Virtual card for online purchases
Use an exclusive virtual card for online purchases, with full compatibility with Apple Pay, Google Pay, Garmin Pay, Fitbit Pay and BLIK.
✅ Enhanced security with 3D Secure
All online purchases are protected with two-factor authentication and anti-fraud systems.
✅ Flexibility in bill payment
You can pay the full amount or use revolving credit, paying the minimum amount required and financing the remainder with controlled interest.
Who is the PKO BP Visa Classic Card suitable for?
- Those who value the solidity of a traditional, national bank
- People who want a card with international acceptance and local support
- Residents in Poland who prefer digital control combined with face-to-face service
- Students, workers or expats starting their financial history in the country
- Users who want to pay flexibly, both in physical stores and online
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Conclusion
THE PKO BP Visa Classic It combines the strengths of a bank with decades of history with the innovation needed for modern life. With it, you have a globally accepted card that's secure, easy to use, and fully connected to the IKO app, a benchmark in banking technology.
It's an excellent choice for those who want trust, digital control, and affordable costs. If you're starting your financial life in Poland—or just want a practical solution for everyday life—the PKO BP Visa Classic may be the right card for you.
FAQ – PKO BP Visa Classic Card
- Does the PKO Visa card have an annual or monthly fee?
Yes, there is a monthly fee of between PLN 6 and PLN 8. However, it can be waived if the card is actively used, with a minimum number of purchases per month. - Is it possible to use the card outside Poland?
Yes. As it's a Visa card, it's accepted globally. Purchases and withdrawals abroad are subject to conversion and withdrawal fees, which are always clearly stated. - Do I need to open an account at PKO Bank Polski to apply for the card?
Yes. The card is linked to your bank account. You can open it online or at a branch. - Does the card allow revolving credit or installment payments?
Yes. You can pay part of the bill and finance the remainder with interest, according to the bank's contractual terms. - Does the card work with Apple Pay and other digital wallets?
Yes. It is compatible with Apple Pay, Google Pay, Garmin Pay, Fitbit Pay and the system BLIK for instant payments in Poland.