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If you are in Poland and want an internationally accepted credit card, with digital control, affordable conditions and the solidity of a traditional bank, PKO BP Visa Classic can be the ideal choice for your everyday life.
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Perfect for anyone living in Poland — whether temporarily or permanently — the Visa Classic from PKO Bank Polski combines safety, tradition and practicality.
Fully integrated with IKO app, the card offers modern financial management features, such as real-time control, instant notifications, digital blocking, virtual card and compatibility with digital wallets.
Additionally, as part of the PKO BP current account (like the popular Konto za Zero), it provides a complete banking experience, with local and international support.
Step by Step Guide to Requesting the PKO BP Visa Classic Card
- Visit the official website of PKO Bank Polski
Go to the bank's website, choose the option to open an account, or directly request a Visa Classic card linked to an existing account.
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- Choose the type of account and card you want
Select the current account that best suits your profile (such as Konto za Zero) and add the Visa Classic Card as a credit card option. - Fill out the online form with your personal details
You will need to provide your full name, address in Poland, nationality, PESEL number (or passport), profession and monthly income. - Verify your identity
Verification can be done in person at a PKO BP agency or, in some cases, via video call with an official document in hand. - Wait for approval and sending of the card
After data verification and credit analysis, the card will be shipped to your address. Delivery typically takes 5 to 10 business days.
Documents Required for Application
Have the following documents ready to facilitate the process:
- Valid identity document (passport or dowód osobisty)
- Proof of residence in Poland (rental agreement, official correspondence or recent invoice)
- PESEL number (or passport for foreigners without permanent residence)
- Proof of income (bank statement, payslip, employment contract)
ℹ️ The bank may check the BIK (Polish credit system) before approving the card.
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PKO BP Visa Classic Card Fees and Conditions
| Category | Standard Condition | Benefit with Active Use |
|---|---|---|
| Monthly maintenance | 6–8 PLN | May be exempt with minimum monthly usage |
| Cash withdrawals in Poland | May have a fee | Free with premium accounts |
| Withdrawals abroad | Fee per transaction | Shown in the IKO app |
| Currency conversion (Visa) | About 2% | Transparent, with real-time warning |
| Additional card | Optional, at extra cost | Available to family members |
| Installment/revolving payment | Available | Subject to interest, as per contract |
Digital Features
- IKO App (iOS and Android): Track your expenses, limits, payments, blocks and statements in real time
- Virtual card for safer online shopping
- Integration with Apple Pay, Google Pay, Garmin Pay, Fitbit Pay and BLIK
- Authentication of transactions with 3D Secure (Visa Secure)
- Real-time notifications for each movement
- Login with two-factor authentication (2FA)
Advantages of Keeping Your Card Active
When using your PKO Visa Classic you can often:
- Waive the monthly card fee
- Build a positive credit history in Poland
- To obtain better conditions in products such as loans, insurance and financing
- Request additional cards or increase your credit limit more easily
- Use advanced features of the IKO app and maintain full control of your finances
PKO BP Visa Classic: Security, Tradition and Connectivity
With the Visa Classic Card from PKO Bank Polski, you can count on the strength of a traditional bank combined with digital innovation. Global acceptance of the brand Visa and integration with digital wallets make this card an excellent option for those who live, work or study in Poland.
Whether for everyday use or traveling abroad, Visa Classic is a stable, secure, and practical solution for managing your finances efficiently.