PKO Bank Polski S.A. Niederlassung Deutschland products, services and reviews

About PKO Bank Polski S.A. Niederlassung Deutschland

PKO Bank Polski S.A. Niederlassung Deutschland is the German branch of PKO Bank Polski S.A., the largest bank in Poland by assets, operating from Frankfurt am Main under the EU single‑passport regime for EEA credit institutions. The branch focuses on corporate and institutional clients engaged in business between Germany, Poland and wider CEE, providing transaction and current accounts, cash management and liquidity solutions, domestic and cross‑border payments via SEPA and SWIFT, trade finance (documentary credits, collections, guarantees), corporate lending and investment financing, and foreign exchange with basic hedging instruments. It operates on the parent bank’s balance sheet rather than as a separately capitalized German subsidiary; prudential supervision is led by the Polish Financial Supervision Authority (KNF) with host‑country oversight by BaFin and the Deutsche Bundesbank for conduct and certain liquidity matters. Eligible deposits booked at the branch are protected by Poland’s deposit guarantee scheme (Bankowy Fundusz Gwarancyjny) up to EUR 100,000 per depositor in line with EU rules; the branch is not part of Germany’s private Einlagensicherungsfonds. Account opening is subject to standard corporate due diligence and KYC, and service is typically available in German, Polish and English. The offering is oriented to cross‑border corporate banking rather than full retail services, and pricing, limits and product availability depend on client profile and legal requirements. Clients should consider cross‑jurisdictional legal and tax aspects, applicable complaints and dispute‑resolution channels, and that credit risk and any external ratings relate to the Polish parent rather than a standalone German entity.