Twenty head-to-head comparisons of Poland's leading banks and non-bank lenders on specific products. For each pair: RRSO, process, criteria, target client. Click to see the detail.
Product: Cash loan
PKO Bank Polski and mBank are the two most common picks for a Polish cash loan. PKO BP is the largest bank with 1 100 branches; mBank is a digital bank with the...
Product: Cash loan
mBank and ING Bank Śląski are close rivals in Poland's cash-loan market. Both banks have strong digital service, fast decisions and RRSO in the lower band of th...
Product: Payday loan (chwilówka)
Vivus and Wonga are the two main rivals on Poland's payday market. Both firms offer „first loan free" up to 3 000 PLN over 30 days, both sit on the KNF Register...
Product: Mortgage
PKO Bank Polski and mBank are the two main players on Poland's mortgage market. PKO BP is the price leader with a floor margin of 1.8% at 30% down; mBank offers...
Product: Cash loan
PKO BP and ING Bank Śląski are two opposing bank giants — the first with 1 100 branches and the widest client base, the second with a digital philosophy and som...
Product: Cash loan
Santander Bank Polska has operated as Erste Bank Polska since April 2026. Old prices and product names do not carry over automatically; compare the banks' curre...
Product: Cash loan
mBank and Alior Bank are rivals in the „second chance" segment — both approve clients with lower BIK scores than PKO BP or ING. Difference: mBank offers lower R...
Product: Cash loan
PKO BP and Pekao are Poland's two largest banks — together they serve over 18 million clients. Both are Polish-owned (Treasury and PZU respectively), with tradi...
Product: Cash loan
Santander Bank Polska has operated as Erste Bank Polska since April 2026. Old prices and product names do not carry over automatically; compare the banks' curre...
Product: Cash loan
Millennium and BNP Paribas are two banks with contrasting client profiles. Millennium builds its offer around a digital experience and urban clients; BNP Pariba...
Product: Credit card
PKO Platinum and mBank Visa Platinum are two premium cards in the Polish bank segment with competitive limits, RRSO and loyalty programmes. The pick mostly depe...
Product: Credit card
ING Mastercard World and Pekao Premium are two premium cards with similar structure — limit up to 80 000 PLN, RRSO around 19.5–19.9%, loyalty programme for acti...
Product: Credit card
Santander Bank Polska has operated as Erste Bank Polska since April 2026. Old prices and product names do not carry over automatically; compare the banks' curre...
Product: Mortgage
ING and Pekao are two bankers with contrasting mortgage philosophies. ING runs strict creditworthiness criteria and a digital process; Pekao is a primary govern...
Product: Mortgage
Santander Bank Polska has operated as Erste Bank Polska since April 2026. Old prices and product names do not carry over automatically; compare the banks' curre...
Product: Payday loan (chwilówka)
Vivus and SuperGrosz are payday rivals with different positioning. Vivus focuses on classic 30-day payday loans; SuperGrosz offers a hybrid — a payday loan can ...
Product: Non-bank loan
Wonga and Provident are two Polish non-bank players with contrasting models. Wonga focuses on online payday; Provident offers classic instalment loans with an o...
Product: Instalment loan
Smartney and Hapi Pożyczki offer instalment loans in similar amount classes (up to 60 000 and 30 000 PLN), but on different terms. Smartney is cheaper and more ...
Product: Instalment loan
SuperGrosz and Provident are two classic Polish non-bank players with contrasting service models. SuperGrosz runs fully digital; Provident offers a unique home-...