Legal status of the 800+ benefit
800+ is exempt from bailiff seizure (except alimony). The bank knows that even if a client runs into financial trouble, the 800+ inflow will be protected. On the other hand, the bank can't enforce repayment from this benefit if the client stops paying. That's a two-way street — the bank treats 800+ as „safe” income, but not „full-value”.
Banks counting 800+ as income
PKO BP, Pekao SA, mBank and ING treat 800+ as supplementary income — you can add it to your main earning source (employment contract, self-employment). Maximum share: 50% of total income. Alior Bank treats 800+ as full income up to 2 children, i.e. up to 1 600 PLN per month. Citi Handlowy doesn't include 800+ at all.
Non-banks and the 800+ benefit
Smartney and SuperGrosz count 800+ as 100% income through Open Banking verification — they see the regular ZUS inflow. Vivigo and Freezl accept 800+ alone as income on chwilówki up to 3 000 PLN. Provident Long Form treats 800+ as primary income for single mothers, with a scoring multiplier of 1.2.
Maximum loan amount with 800+
With 2 children (1 600 PLN per month of the benefit) and no other income at a bank, you can obtain a cash loan up to 8 000-12 000 PLN over 36 months. At a non-bank, an instalment up to 5 000 PLN over 24 months. With additional income (employment contract, regular alimony), the limits are higher — the bank adds 800+ to the rest.
My take: how to make the most of 800+
Don't apply for a loan on 800+ alone if you aren't a single parent. The bank will refuse for lack of other income. Add employment even partial (civil-law contract, gig work), and then 800+ becomes a strong supplement. The best path: an account with 800+ inflows for at least 6 months plus any other stable income, and every major bank will accept the application.