Bank Pekao S.A. Reviews 

I am a foreigner in Poland and when I wanted to open an account in this bank, I encountered a very disrespectful attitude from an employee because he needed to fill out additional documents according to the bank's policy.

Staff are very helpful and the new staff member has lovely manners and is very kind and helpful

Worst bank ever.
I sent swift payment. Counterparty decided to stop contract and rejected transaction. So in normal bank you would see funds on your account in 2-3 days. But it's not PEKAO case. Money were in Pekao next day, but they flagged them (again it was return of my funds, on the same account with code 72: Rejected, so money physically were not on the counterparty account). So this return payment took 15 working days. If you need your money - never work with PEKAO. WORST BANK EVER!!!

At this point the most expensive banking service. Strongly recommend you look at any other banking options available.

This bank blocked my account under their new laws, but they can’t even explain what I need to do because no one speaks English. Now, I’m being forced to fly to Poland just to unblock my account and hopefully recover the money I’ve saved there—which is a significant amount for me. The entire situation has been incredibly stressful, and the bank’s lack of communication and support is appalling. Their service has left me completely traumatized. Absolutely unacceptable.

Pretty nice bank, good experience with them and their mobile application

Piotr J. has been very helpful after second call. I believe he will be a great customer advisor anywhere.
He called me Janina by mistake but finally let me to resosolve my issue.
Joanna

Poor customer service , not responsive , low quality

Stupid Bank, you call Hotline and 4 people tell you 8 different things, unbelievable this is when you take Personal from everywhere without knowledge

This is more of mafia than a bank. My financial advisor presented their mortgage offer as most beneficial for me at the time. Then my problems began. In order to get an offer (8% mortgage) I had to open account with them and make it my main account for salary transfers, buy their credit card, open debit credit on the account and pay for number of insurances. Eventually I got the mortgage (500k pln and have to repay one million pln in 25 years). Few years later and because of a parking fine they blocked my entire account for 7 days which is illegal. They can't provide any legal basis for this. I don't recommend their services unless you want to lose access to your money then yes please do business with them you will be fine.

The advisor at the branch and three advisors from the telephone customer service assured me about free funds transactions from Great Britain to my GBP account at PKO SA. Everything turned out to be an ERROR, B***SH***, the bank charged me for the transfers the very next day. The bank clarified the fee schedule, which contradicts the advisors' stories. Why do we need advisors then? For misleading customers?

In English because primarily aimed at foreign nationals in Poland: If you open a new account expecting to get a bonus "premii" money when you comply with the requirements, you WON'T unless you're a Polish citizen (even if you have a PESEL and permanent residence card). Buried in the terms it says only for Polish citizens (along with other conditions). Branch staff don't always know and won't necessarily warn you. Complaints including directly to Bank Pekao's HQ were rejected. Is it discrimination? Well, my view is obvious. And a friend who is Polish also didn't get her premii money for some terms or small-print reason too. So, we both closed our respective accounts and would never bank there again. I have the docs, the letters, maybe the EU will look at things one day, but for now always thoroughly check the Ts & Cs before opening an account and don't let charming helpdesk or any branch staff (you may have to show your ID on opening) distract you from this.

Horrific experience with Pekao Sa. They blocked my online accounts, when I transferred the money from abroad to buy land in Poland. I was not able to exchange the money to send to the buyer. As a result I lost over 35k US. Shame. STAY AWAY FROM BANKS.

My advice would be to stay away if you want your online accounts to be serviced fully online.
Tempted by the bank's attractive savings rates, I opened a current and savings account online a short while back, hoping to be able to sort out most things online, as I currently do at another bank in Poland.
Sadly, it appears that even to get fully started you need to visit a branch, otherwise they set lower limits on your online transactions. But even then, to do other things (e.g. declarations or applications), you also oftentimes need to go to a physical branch, and sometimes more than one visit is needed because their incompetent staff do not have a clue and give you misleading information or incorrect forms to sign.
Online communications take forever to get an answer and most things are simply a "no", so I'd not bother.
This was a very frustrating experience and I am leaving Pekao SA and sticking to my current bank which - despite lower savings rates currently - manages to get most of my banking needs sorted remotely and with no hassle at all.

I'm going to share my personal experience from about 10 years ago, when after an usual expense charged in my card, they called my (then) wife's number (because her number was in the file together with my data) and instead of asking me to pick up the call, they didn't authenticate me as the individual associated to the account (not shared with my then wife), and started sharing details of my account and expense with her. The agreement of my data and bank details or history is between me and the bank, unless stated in writing. After a complaint to the bank, the response didn't include any honest apology. Be careful when dealing with this bank.

The bank offers a great deal the girl that works with me are so polite. They offers great investments.