Skorzystaj z promocji PKO BP i załóż Konto za Zero, za które prawie w ogóle nie płacisz! Dodatkowo do konta osobistego PKO BP o w każdym momencie będziesz mógł wyrobić debet do 1 000 zł, dzięki któremu już zawsze będziesz mieć środki na nieplanowane wydatki! Przeczytaj nasz tekst i poznaj szczegóły oferty Banku PKO BP.
Spis treści:
- Co oferuje Konto za Zero w PKO BP?
- PKO Konto za Zero — koszty i opłaty
- Jak otworzyć Konto za Zero?
- Aplikacja mobilna banku PKO BP — IKO
- Konto za zero PKO BP — podsumowanie zalet i wad
- Podstawowe informacje o PKO Banku Polskim
Co oferuje Konto za Zero w PKO BP?
Konto za Zero od PKO Banku Polskiego to idealne rozwiązanie dla osób poszukujących taniego konta osobistego, które jest proste w obsłudze. Z kontem osobistym PKO BP zyskujesz:
- Darmowe prowadzenie konta,
- Dostęp do bankowości internetowej (iPKO) i mobilnej (IKO),
- Obsługa karty debetowej za 0 zł — wystarczy 5 płatności bezgotówkowych w miesiącu,
- 1 000 zł debetu na koncie osobistym — bez odsetek na 30 dni, za jego skorzystanie zapłacisz tylko 5 zł.
- Zbliżeniowe płatności telefonem lub BLIKiem.
- Dostęp do pakietu walutowego tj. karty wielowalutowej, konta walutowego i kantoru internetowego PKO BP.
PKO Konto za Zero — koszty i opłaty
- 0 zł za prowadzenie konta.
- 0 zł za obsługę karty.
- Obsługa karty jest darmowa tylko wtedy gdy zrobisz minimum 5 transakcji bezgotówkowych kartą lub BLIKIEM w jednym okresie rozliczeniowym. W innym wypadku będziesz musieć płacić za obsługę karty 10 zł miesięcznie.
- 0 zł za przelewy wewnętrzne, standardowe i zagraniczne SEPA Standard, jeżeli nadasz je w serwisie iPKO lub w aplikacji mobilnej IKO.
- Za nadanie tych samych przelewów na infolinii banku lub w placówce PKO BP będziesz musieć zapłacić 10 zł.
- 0 zł za przelewy wewnętrzne między kontami tego samego posiadacza lub na konto dziecka (dotyczy przelewów na Konto Dziecka, Pierwsze Konto Oszczędnościowe i Karta PKO Junior).
- 0 zł za wypłaty i wpłaty w bankomatach i wpłatomatach należących do PKO Banku Polskiego.
- 0 zł za wypłaty BLIKIEM niezależnie od wybranego bankomatu.
- 10 zł za wypłaty kartą na terenie Polski z bankomatów innych niż te od PKO BP.
- 0 zł za wypłaty kartą za granicą.
- Uwaga! Jeżeli nie posiadasz na karcie wielowalutowej waluty, którą chcesz zapłacić zostanie naliczona Ci prowizja za przewalutowanie. Dodatkowo operatorzy płatności mogą nałożyć swoje opłaty.
- 0 zł za pierwszą w miesiącu wypłatę i wypłatę w placówce banku PKO BP.
- Każda kolejna wypłata lub wpłata w placówce banku będzie kosztować Cię 10 zł.
Oprócz lokaty i niskich kosztów obsługi konta możesz zawnioskować o skorzystanie z debetu na koncie, jego maksymalna wysokość może wynosić do 1 000 zł. Pieniędzmi z debetu dysponujesz dowolnie i masz na ich spłatę równe 30 dni od momentu skorzystania z nich. Tym samym masz dodatkowy tysiąc złotych do wydania na nieplanowane wydatki! Pamiętaj, że decyzja o przyznanie debetu na koncie i jego maksymalna wysokość zostanie określona na podstawie Twoich średnich miesięcznych wpływów.
Jak otworzyć Konto za Zero?
Najszybciej Konto za Zero w PKO BP otworzysz za pośrednictwem ich wniosku online, do którego przejdziesz po kliknięciu przycisku Otwórz Konto za Zero. W trakcie uzupełniania wniosku będziesz musieć m.in. zdecydować o typie konta (indywidualne lub wspólne), wizerunku Twojej karty wielowalutowej oraz czy chcesz korzystać z debetu do 1 000 zł. Następnie będziesz musieć podać Twoje podstawowe dane i dodatkowe, po czym wybrać adres do dostarczenia i oświadczenia. Na końcu podsumujesz cały wniosek online i wyślesz wniosek o założenie konta.
Poniżej znajduje się poradnik wideo, który tłumaczy jak otworzyć konto online w PKO Banku Polskim.
Inna opcja to założenie Konta za Zero przy pomocy selfie za pośrednictwem Twojego telefonu komórkowego. Oficjalny poradnik wideo, tłumaczący jak to zrobić znajduje się poniżej.
Aplikacja mobilna banku PKO BP — IKO
Aplikacja mobilna IKO od PKO BP jest wysoko ceniona przez użytkowników i dwa lata z rzędu wygrała głosowaniem internautów w konkursie Mobile Trends Awards. Apka oferuje klientom banku PKO BP liczne ułatwienia, takie jak:
- Możliwość zbliżeniowych płatności telefonem,
- Ubezpieczenia dostępne w aplikacji,
- Płatności za autostrady i parkingi z okna aplikacji,
- Autooszczędzanie umożliwiające zautomatyzowane odkładanie drobnych kwot,
- Bezpieczeństwo transakcji — z okna aplikacji IKO możesz potwierdzać wszystkie operacje bankowe,
- Pakiet walutowy (karta wielowalutowa, konto wielowalutowe i internetowy kantor) w pakiecie z aplikacją.
Aplikację IKO możesz pobrać aż z 3 sklepów z aplikacjami mobilnymi: Google Play (dla telefonów z Androidem), App Store (dla iPhone’ów z iOS) oraz z AppGallery (sklep z aplikacjami dostępny na Huawei). Linki przenoszące do pobrania aplikacji znajdują się poniżej.
Konto za zero PKO BP — podsumowanie zalet i wad
Podstawowe informacje o PKO Banku Polskim
Powszechna Kasa Oszczędności Bank Polski S.A. (w skrócie: PKO Bank Polski S. A., PKO BP S.A) istnieje od 1919 r. i jest największym bankiem uniwersalnym działającym na polskim rynku, który jest spółką akcyjną notowaną od 2004 r. na Giełdzie Papierów Wartościowych w Warszawie. W 2023 r. znalazł się na 1074. miejscu w rankingu Forbes Global 2000, czyli listy największych 2000. przedsiębiorstw na świecie.
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