Verdict
ING's RRSO (9.2–11% for an active-account client) sits 1.5–2 pp below PKO BP (10.5–13%). But ING wants a specific profile: current account plus card plus score 420+. PKO BP is more accessible — a wider profile band but priced higher.
ING runs a hard DTI ceiling (42%); PKO BP goes to 44%. Above 42% DTI ING is effectively closed. Scores: ING 420+, PKO BP 450+. Paradoxically ING is more lenient on score but stricter on DTI.
Process: PKO BP wants a branch visit above 30 000 PLN, ING handles applications fully digitally up to 200 000 PLN. For a client with full paperwork the PKO branch opens room for margin negotiation; ING does not negotiate.
Terms compared
| Product | PKO Bank Polski | ING Bank Śląski |
|---|---|---|
| RRSO 2026 (with account) | 10.5–13% | ✓ 9.2–11% |
| Minimum BIK score | 450+ | ✓ 420+ |
| Maximum DTI | ✓ 44% | 42% |
| Digital loan above 30 000 PLN | branch visit | ✓ fully online |
| Branch network | ✓ 1 100 | 295 |
Fits for
PKO Bank Polski
- Clients with DTI 42–44% declined at ING
- People who value branch negotiation
- Long-term PKO BP relationship clients
ING Bank Śląski
- Clients with an active ING account — best RRSO
- Digital clients wanting a no-visit process
- Full-profile multi-product ING clients
Frequently asked questions
ING for clients with an active current account (9.2–11%). PKO BP for non-account clients (10.5–13% vs ING's non-account 11–13%).
PKO BP (up to 44%). ING sticks to 42%. A DTI 43% client at ING is almost always declined.
Not fully. PKO BP handles applications online up to 30 000 PLN; above that it needs a phone call or branch visit. ING handles 200 000 PLN fully digitally.