Pko Bank Polski S.A. SWIFT/BIC code

SWIFT/BIC code of Pko Bank Polski S.A.

BPKOPLPW and BPKOPLPWXXX are two ways of writing the same bank identifier, and both lead to Pko Bank Polski S.A. in Warszawa. Every bank on the SWIFT network uses these codes to direct payments between countries to the correct institution. In practice you mostly see it on invoices from abroad, in payment forms and on the account details that Pko Bank Polski S.A. provides.

This page is meant to help anyone who receives money at an account at Pko Bank Polski S.A.. The SWIFT code on its own does not identify an individual account holder; for that you need the IBAN or account number is for.

Changed bank details? Be careful

Be wary if someone unexpectedly asks you to pay into another account or a bank in another country. A valid SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Always confirm a change of bank details by phone, using a number you already had. Urgency and requests to keep it quiet are red flags. Already paid? Call the bank you paid from without delay and have them try to recall the payment and report the fraud.

Scams can also work the other way: someone sends more than agreed and asks you to refund the difference. Wait until the money is actually in your account – ask Pko Bank Polski S.A. if something looks wrong.

Paying someone abroad from your Pko Bank Polski S.A. account

When you send money to another country via Pko Bank Polski S.A., the visible fee is rarely all of the cost. Besides a fixed fee, banks in between can take a cut, and when the money changes currency the bank often applies a rate below the real market rate.

That exchange rate margin tends to be the biggest item even though it is not listed as a fee. An easy check: put the bank’s rate next to the mid-market rate for the same moment and look at the difference.

For a lot of currency pairs, a specialist provider turns out to be less expensive than a bank. Next time you send money, take a minute to compare what arrives via GoldexPay instead of going straight to your bank. Using a transfer service does not require closing your account at Pko Bank Polski S.A.: you simply pay the service from your account.

How up to date is this code?

This directory is based on public sources and we update it periodically. It can happen that information here is out of date, for example after a merger. Figures such as the number of codes come from our directory and may differ from what Pko Bank Polski S.A. publishes.

Use our data as a starting point, rather than as the last word – the bank details from the recipient are leading. GoldexPay has no connection to Pko Bank Polski S.A.; we are a comparison site for money transfers. Spotted an error? Tell us via our contact form and we will look into it.

Head office or branch code at Pko Bank Polski S.A.?

Our directory lists 16 SWIFT/BIC codes for Pko Bank Polski S.A.. Next to the head office code BPKOPLPWXXX, you will find codes for individual branches and departments.

For most payments to a private or business account, the head office code BPKOPLPWXXX works fine. If you have been given a branch code, stick to it rather than swapping it for the head office code.

The best way is to take the code straight from the account holder’s statement. Codes can change over time.

The Polish Zloty and what conversion costs you

Most accounts at Pko Bank Polski S.A. are usually held in PLN, the national currency of Poland. When you pay another currency it gets converted at some point: by your bank, an intermediary or Pko Bank Polski S.A. itself. There is rarely a separate line for the conversion – the cost sits in the rate.

Who converts the payment matters, because each party uses its own rate. Check how much PLN arrives via several services before choosing one.

Exchange rates change all the time. For recurring payments, a slightly better rate make a real difference over time.

Verifying the SWIFT code of Pko Bank Polski S.A.

The best place to find the correct BIC remains a document from the bank itself, such as a statement or the account details in online banking. Check that code with BPKOPLPW here and ask if anything does not match.

With a wrong code, the payment may be delayed, be returned or end up costing more. Do not forget the IBAN: a mistake there is more difficult to undo than a wrong BIC.

Many banking apps validate the structure of IBANs and sometimes look up the BIC automatically. Where available, a name check on the recipient adds extra certainty. For a first payment, some people start with a small test amount before sending the rest.

SEPA payments and the Pko Bank Polski S.A. BIC

Poland is part of the SEPA area. For a regular euro transfer from another SEPA country, you normally only need the IBAN.

You still need BPKOPLPWXXX for non-euro payments or money from outside the SEPA area. A few banks and apps also show a field for the BIC out of habit; if so, enter BPKOPLPW.

SEPA transfers usually arrive by the next business day. Fees for SEPA transfers are generally low as long as everything stays in euros.

Incoming international payments to Pko Bank Polski S.A.

For a transfer from abroad into your account at Pko Bank Polski S.A., the sender has to have more than the BIC. That means: your full name exactly as it appears on the account, your account number or IBAN, the BIC BPKOPLPWXXX (or BPKOPLPW) and usually your postal address.

You can include the bank name and Warszawa too. A typo in the IBAN can be harder to fix than it looks; copy them from your banking app rather than typing.

An incoming payment does not always arrive in full. Charges on incoming payments differ per bank; check the price list of Pko Bank Polski S.A.. Agree with the sender who pays which costs before the money is sent.

When will the money arrive at Pko Bank Polski S.A.?

How fast a payment reaches Pko Bank Polski S.A. depends on a few things: which currency you send, the number of banks in between, cut-off times and differences in time zone. Weekends and public holidays in the sending or receiving country can add a day or more to the journey. Extra checks by one of the banks may also add a delay, even when all details are correct.

If a transfer is delayed, ask the sending bank for the status and the transaction reference; with that reference banks can see where the payment is. Specialist transfer services usually show a status online showing where the money is.

If the money does not arrive within the expected time, the person who paid should contact the bank that sent it, not the receiving bank. Request from the sender a copy of the payment confirmation with the date and reference; that often settles the question quickly.

BPKOPLPW or BPKOPLPWXXX – which one to use?

A BIC is built from a few fixed parts: the first four letters stand for the bank, the next two show the country and the two after that indicate the location. In this case, that core is BPKOPLPW.

Most payment forms accept either length. If yours asks for eleven characters, enter BPKOPLPWXXX, otherwise BPKOPLPW is fine.

As a rule the code is typed in capitals and without spaces. Look out for O versus 0 or I versus 1.