Bank Zachodni WBK S.A. is a universal commercial bank offering a wide range of banking services for
personal customers and businesses.
There are over 600 branches and over 1040 cash points available to our customers throughout
Poland.
Personal Accounts
What makes personal accounts at Bank Zachodni WBK unique?
Wydajesz & Zarabiasz Account (Earn When You Spend Account, i.e. money-back type of
account)
 No account maintenance fee with minimum monthly transfer of 1000 PLN into the account,
otherwise a 7 PLN monthly fee will apply.
Payment cards – choose between two modern cards:
- Visa Wydajesz & Zarabiasz card enables you to earn money anytime the card is used for payment –
1% of each transaction made with the card at grocery stores, supermarkets and filling stations will be
transferred back to the account
or
- MasterCard PAYBACK Multi card which enables you to collect points in PAYBACK Loyalty Program
 a monthly fee for Visa Wydajesz & Zarabiasz card or Master Card PAYBACK Multi card is 5
PLN
 free cash withdrawals from any ATM in Poland
Konto na Obcasach Account (The High Heels Account)


No account maintenance fee with minimum monthly transfer of 1000 PLN into the account,
otherwise a 7 PLN monthly fee will apply.
This account offers an option of joining “Na obcasach” (“On high heels”) insurance plan, free
of charge for the first 6 months; afterwards a monthly fee of 5 PLN will apply.
The “Na Obcasach” insurance plan covers:





Medical plan, including 24/7 medical assistance in the event of a sudden illness or
accident.
Home Assistance which includes 24/7 plumbing or locksmith support in case of a
breakdown, break-in and theft, as well as fortuitous event.
Car assistance which includes 24/7 support with car repairs, towing or tire change.
“Assistance for Women” hotline providing 24/7 support for women, including babysitting
services, appointments at beauty salons, etc.
Health insurance against cases of malicious breast and cervical cancers.
Payment cards – choose between two modern cards:
- Visa na Obcasach card enabling customers to earn money when they pay with their Visa card for
their purchases; the card offers monthly returns of 1% of each transaction made with the card at
grocery stores, supermarkets and filling stations transferred back to the account
or
- MasterCard PAYBACK Multi Card which enables you to collect points in PAYBACK Loyalty Program


a monthly fee of PLN 5 for Visa Wydajesz & Zarabiasz card or MasterCard PAYBACK Multi
card
free cash withdrawals from any ATM in Poland
“Na Obcasach” insurance plan is offered based on group insurance contract. The Terms & Conditions
for the insurance plan, including terms of cancellation and liability exclusions of the insurer, BZ WBKAviva Towarzystwa Ubezpieczeń Ogólnych S.A., are available at your local BZWBK branch and on
www.bzwbk.pl.
Aktywni 50+ Account (50+ Account) – a fully equipped personal account for customers aged 50+
 No account maintenance fee with minimum monthly transfer of 1000 PLN into the account,
otherwise a 3 PLN monthly fee will apply.
The account offers a wide range of additional services, e.g.:
 Free “Medical Assistance” insurance plan including 24/7 emergency help in the event of a
sudden illness or accident.
 Free cash withdrawals from any ATM in Poland.
“Medical Assistance” insurance plan is offered based on group insurance contract.
Terms and conditions for the insurance plan, including terms of cancellation and liability exclusions of
Europ Assistance Holding S.A. – the insurer, are available at your local branch and on www.bzwbk.pl.
Konto<30 Account





No account maintenance fee for customers up to age 26 with no additional requirements
No account maintenance fee for customers aged 26+ with minimum monthly transfer of
1000 PLN into the account, otherwise a 7 PLN monthly fee will apply. The condition applies to
joint accounts, if at least one accountholder turned 26 years of age.
No fee for standing orders and online money transfers (elixir system).
Contactless payments are made up to 50 PLN; in case of payments over 50 PLN, the
transaction must be confirmed with the use of PIN number or the card will be used like a
regular payment card.
No fees for mobile phone top-ups at BZWBK24 ATMs as well as through BZWBK24
online banking services.
Payment cards – you can link one of the following modern cards to your account:
 Visa Electron<30 card – no fee if in the previous calendar month the Bank cleared at
least one card payment, otherwise a PLN 5 fee will apply.

MasterCard Payback Multi card enabling customers to make free cash withdrawals from
all ATMs throughout Poland and to collect Payback loyalty program points. For more
details about PAYBACK visit www.payback.bzwbk.pl. Monthly card fee: PLN 5.
Additionally, a 15% discount on a language course at British School is offered when the tuition is paid
with Bank Zachodni WBK card or with a money transfer from an account at Bank Zachodni WBK.
Konto24 walutowe (24 Foreign Currency Account)
 No account maintenance fee,
 A MasterCard card offered in USD, EUR, GBP issued with Konto24 walutowe – free of charge
in the first year of using the card issued to the Accountholder and User.
How can we help you?
We can help with all necessary paperwork related to switching your account to Bank Zachodni
WBK. We can also contact the relevant tax authority and social security offices, as well as
other related parties at your request.
Additionally:
We encourage our customers to use our BZWBK24 online banking services which allow you to:
 Control your personal finance in a secure and convenient way
 Make domestic and international transfers
 Open bank deposits
 Open savings accounts
 Invest in investment funds
 Top up your mobile phone
 Pay back your credit card debt
 Transfer funds between your foreign currency and PLN accounts in a convenient way
In order to confirm BZWBK24 online transfers the bank sends SMS codes – the one-time code
necessary for the confirmation of a transaction. The first 5 codes in any given month are free of
charge, the following codes cost 0.2 PLN each. Several transfers made at the same time may be
confirmed with one code. (This fee does not apply to Konto<30 Account and Konto24 VIP Account).
We offer a payment card linked to an account which:
 Offers convenient shopping experience
 Provides access to your money through cash points in Poland and abroad
 Offers additional shopping discounts
 Enables secure online payments with a 3D-Secure service (available to holders of active
BZWBK24 services)
The debit cardholder may join “Pewne Pieniądze” (Secure Money) Financial Insurance Package which
will safeguard you from:
 Misuse of your card
 Theft of cash withdrawn from a cash machine
 Damage to objects purchased with the card
Additionally, if you find the same product cheaper by PLN 200 or more than the one you paid for with
the card, the insurance will cover the difference.
“Secure Money” Financial Insurance Package is offered as group insurance contract made
between Bank Zachodni WBK S.A. and BZ WBK-Aviva Towarzystwo Ubezpieczeń Ogólnych
S.A. Information regarding the terms & conditions for the insurance, including insurance cover,
cancellation, covered risks, liability limitations or exclusions is available at our branches.
We hope that the above information on BZ WBK bank products and services will encourage you to
use them – we are looking forward to working for you.
Personal account may be opened at our branch:
Bank Zachodni WBK S.A.
7th in Warsaw
st. Kondratowicza 18
03-285 Warsaw
For the required information, call us at:
Mateusz Wiśniewski
mateusz.wisniewski@bzwbk.pl
tel. +48 (22) 331 16 17
(your telephone operator’s charges apply)
We are looking forward to working with you. For additional information please contact our advisors at
your local branch.
Detailed offer, fees and charges applicable are available at our Bank branches.
The offer as of 01/11/2012.