Summary: You can’t trade crypto directly through PKO BP, but that doesn’t mean you’re locked out. The bank allows safe PLN transfers to regulated platforms where you can invest in assets like Bitcoin or Ethereum.
Bybit makes the process easy with instant deposits, low fees, and full support in Polish. It's a trusted gateway to over 980 cryptocurrencies, perfect for both beginners and active investors.
- Instant and free Polish Zloty (PLN) deposits from any bank, debit or credit card.
- Buy 980+ cryptocurrencies with low fees (0.1%) through spot and futures trading.
- Regulated and trusted exchange with over 18 million users worldwide.
Can I Buy Bitcoin with PKO BP Bank?
Yes, PKO BP allows customers to transfer Polish Zloty (PLN) to regulated cryptocurrency exchanges. This enables you to invest in Bitcoin and other tokens while keeping your transactions within the bounds of Polish banking standards.
While PKO BP doesn’t offer crypto trading itself, it supports bank transfers to licensed platforms. To keep your funds secure, it’s best to choose an exchange regulated by the Polish Financial Supervision Authority (KNF).
How to Buy Crypto with PKO BP
PKO BP customers can invest in crypto by transferring PLN to regulated platforms. Bybit is one of the best options; it’s fully compliant with EU standards and supports over 980 digital assets.
The platform accepts multiple deposit methods including bank transfers, SEPA, credit/debit cards, and local options like Przelewy24. Transactions are fast, secure, and fee-free when funding in PLN.
To get started, follow these four steps:
- Register: Sign up for a free account on Bybit and complete identity verification.
- Choose Payment Method: Click ‘Buy Crypto’ and select your preferred way to deposit PLN.
- Set Currency: Pick PLN as your fiat currency and link your chosen payment method.
- Buy Crypto: Search for the token you want to invest in and complete the purchase securely.
PKO BP Cryptocurrency Policy
PKO BP supports crypto investing by allowing customers to transfer Polish Zloty (PLN) to regulated exchanges. This gives users access to digital assets without compromising banking security.
While the bank doesn’t offer direct crypto services, it enables seamless movement of funds to platforms that meet compliance standards. It's a safe entry point into the crypto space for PKO BP clients.
To reduce risk and stay within Polish financial laws, it’s best to use an exchange licensed by the Polish Financial Supervision Authority (KNF).
Digital Asset Investing Fees
Before you get started with crypto, it's good to know the kinds of fees involved. These small costs can add up if you're not aware of them in advance.
- Deposits: Transfers in PLN via bank transfer or Przelewy24 are generally free. Card deposits, however, often come with a fee of around 2.49%.
- Trading Fees: Bybit charges just 0.1% for buying and selling on spot markets. For futures, maker fees start at 0.02% and taker fees at 0.06%.
- Withdrawals: Withdrawing PLN back to your PKO BP account is typically free. Moving crypto to an external wallet comes with a network fee.
Overall, PKO BP customers using Bybit can expect fair, transparent pricing with a wide range of payment options and no hidden costs.
What is PKO BP?
PKO Bank Polski (PKO BP) is Poland’s largest bank, with a history dating back to 1919. It has long been a pillar of the country’s financial system and continues to serve millions of retail and business clients.
The bank offers a full range of services, including savings, lending, asset management, and digital banking tools. Its strong infrastructure makes it easy for users to manage PLN transfers securely and efficiently.
For those exploring crypto, PKO BP provides reliable access to regulated exchanges by supporting bank transfers to platforms like Bybit. It bridges traditional banking with new financial technologies, helping users invest with confidence.
Best Alternative Crypto Exchanges for PKO BP Bank Users
If you’re banking with PKO BP and looking for more crypto options beyond Bybit, there are other reliable platforms that work well with PLN transfers and follow local rules:
- Zonda: A homegrown Polish exchange, fully regulated by the KNF. It supports direct PLN deposits, offers local customer support, and makes it easy to buy popular tokens like Bitcoin and Ethereum.
- Kraken: Great for users who also deal in EUR. It supports SEPA transfers and is known for transparent fees and strong security, which is ideal if you're looking for a long-term exchange.
- Binance (via P2P): While it doesn’t take direct PLN bank deposits, Binance’s peer-to-peer feature lets you buy crypto from verified sellers in your local currency.
All of these platforms support secure funding in Polish Zloty and meet KNF standards, so you can invest confidently without stepping outside your comfort zone.
Final Thoughts
PKO BP doesn’t offer crypto trading itself, but it makes it easy to connect your bank account to trusted exchanges. With support for PLN transfers, customers can invest in digital assets without leaving their regular banking ecosystem.
If you're looking for a reliable starting point, Bybit is one of the best platforms available. It offers free PLN deposits, low trading fees, and full proof-of-reserves, so you know your funds are secure and fully backed.
For PKO BP users ready to explore crypto, this setup delivers both flexibility and peace of mind, without cutting corners on security or compliance.
Dylan Matthews is the Co-Founder and head of operations at Buy Bitcoin Bank, with a background in engineering and experience as a Prop Trader. He has leveraged his knowledge and skills to build and scale the platform, providing users with a seamless experience for buying and selling cryptocurrency.
