PKO Bank Polski API Access — Sync Poland Bank Data

Bringing PKO Bank Polski data into your own product no longer means chasing eIDAS certificates or negotiating a direct bank integration. open-banking.io gives you a single, standards-based connection to Poland's largest retail bank, so you can sync PKO Bank Polski account information on demand and keep balances and transaction history current inside your app, dashboard, or accounting workflow.

Whether you are building personal finance tooling, reconciliation software, or lending and affordability checks, the same endpoints that reach 2,600+ banks across the EU and UK also reach PKO Bank Polski. Write your integration once and reuse it everywhere.

How to connect PKO Bank Polski

  1. Create an open-banking.io account and grab your API key.
  2. Call the institutions endpoint and select PKO Bank Polski (Poland) as the target.
  3. Generate a consent link and hand it to your user.
  4. The user authenticates directly with PKO Bank Polski and approves access — you never see their credentials.
  5. Poll the API to pull accounts, balances, and transactions into your system.

What data you can access

Once consent is granted, you can read:

  • Accounts — business and personal account details held at PKO Bank Polski.
  • Balances — current and available figures for each connected account.
  • Transactions — historical and incoming entries with amounts, dates, and counterparties.

PKO Bank Polski supports both business and personal account types. A single consent stays valid for up to 180 days, after which the user simply re-authorises to keep the connection live. Note that a BIC is not exposed for this institution — account identification relies on the details the bank returns directly.

Privacy by design

open-banking.io is zero-knowledge: your users' banking credentials go straight to PKO Bank Polski and never touch our servers. There are no eIDAS or QWAC certificates to buy, renew, or manage — the platform handles regulatory plumbing so you can focus on your product. Data flows through you, not into a data-mining pipeline.

Pricing

Access starts at roughly EUR 3 per month, with no per-certificate fees and no enterprise minimum. The same subscription unlocks every supported institution, so adding more Polish or EU banks later costs nothing extra.

FAQ

Do I need a licence or certificate to connect PKO Bank Polski?

No. open-banking.io is certificate-free — you do not need your own PSD2 licence or eIDAS certificate to start syncing data.

How long does a PKO Bank Polski connection last?

Each consent is valid for up to 180 days. Your user re-authorises when it expires to maintain uninterrupted access.

Can I connect business accounts as well as personal ones?

Yes. PKO Bank Polski exposes both business and personal account types through the same API.

Ready to start? Visit open-banking.io to connect PKO Bank Polski today.