{"id":8418,"date":"2026-08-27T18:05:00","date_gmt":"2026-08-27T16:05:00","guid":{"rendered":"https:\/\/bankwire.pl\/?p=59"},"modified":"2026-08-28T01:27:29","modified_gmt":"2026-08-27T23:27:29","slug":"najlepsze-konta-bankowe","status":"publish","type":"post","link":"https:\/\/forgemag.pl\/money\/najlepsze-konta-bankowe\/","title":{"rendered":"Najlepsze konta bankowe w Polsce. Ranking kont osobistych wrzesie\u0144 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Szukasz najlepszego konta bankowego, ale ka\u017cdy ranking wygl\u0105da tak samo? Lista kilkunastu rachunk\u00f3w jeden pod drugim, a Ty masz wra\u017cenie, \u017ce w czo\u0142\u00f3wce s\u0105 te, za kt\u00f3re autor rankingu otrzyma najwy\u017csz\u0105 prowizj\u0119&#8230; I masz racj\u0119, tak wygl\u0105da wi\u0119kszo\u015b\u0107 zestawie\u0144 typu &#8222;najlepsze konta bankowe&#8221;, dlatego zrobili\u015bmy wszystko, aby nasz ranking przede wszystkim dba\u0142 o Twoje potrzeby i szczerze odpowiada\u0142 na pytanie, &#8222;kt\u00f3re konto bankowe jest najlepsze&#8221; i dlaczego warto na nie postawi\u0107.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Najlepsze konta bankowe (osobiste) ranking wrzesie\u0144 2026<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Najlepsze konto bankowe to nie tylko kwestia braku op\u0142at za prowadzenie czy darmowej karty do konta. I cho\u0107 koszty maj\u0105 znaczenie, to nie mniej wa\u017cna jest tak\u017ce jako\u015b\u0107 obs\u0142ugi klienta, dost\u0119p do us\u0142ug dodatkowych, bezpiecze\u0144stwo oraz przejrzysto\u015b\u0107 warunk\u00f3w, na kt\u00f3re wyra\u017casz (lub nie) zgod\u0119.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bior\u0105c pod uwag\u0119 te czynniki wybrali\u015bmy dla Was trzy uniwersalne rachunki bankowe, kt\u00f3re uznajemy za najlepsze osobiste konta bankowe w Polsce.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Najlepsze osobiste konta bankowe czerwiec 2026<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nest Konto<\/li>\n\n\n\n<li>Citi Konto<\/li>\n\n\n\n<li>Konto za Zero<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table alignwide has-small-font-size\"><table><thead><tr><th>NAZWA KONTA<\/th><th>OP\u0141ATY<\/th><th class=\"has-text-align-center\" data-align=\"center\">WNIOSEK<\/th><\/tr><\/thead><tbody><tr><td>Nest Konto<\/td><td>0 z\u0142 za prowadzenie<br>0 z\u0142 za kart\u0119<\/td><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/1562\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>OTW\u00d3RZ ONLINE<\/strong><\/a><\/td><\/tr><tr><td>Citi Konto<\/td><td>0 z\u0142 za prowadzenie<br>0 z\u0142 za kart\u0119<\/td><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/2174\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>OTW\u00d3RZ ONLINE<\/strong><\/a><\/td><\/tr><tr><td>Konto za Zero<\/td><td>0 z\u0142 za prowadzenie<br>0 z\u0142* \/ 10 z\u0142 za kart\u0119<\/td><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/538\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>OTW\u00d3RZ ONLINE<\/strong><\/a><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Najlepsze konta bankowe w Polsce. Ranking 2026 The Forge<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Miejsce 1. Nest Konto<\/h3>\n\n\n\n<div class=\"wp-block-group has-small-font-size\" style=\"border-width:1px;margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50);padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-container-core-group-is-layout-ac091e9d wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-f054619f wp-block-columns-is-layout-flex\" style=\"margin-bottom:0px;padding-right:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"is-style-default wp-block-paragraph\" style=\"font-size:1.3rem\"><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/1562\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Nest Konto<\/strong><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-gutena-star-ratings gutena-star-ratings-block gutena-star-ratings-block-ad4c8e-b3 align-right\" style=\"margin-top:0;margin-right:0;margin-bottom:-30px;margin-left:0;padding-bottom:0px;padding-left:0\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><\/div>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\" style=\"font-size:12px\">Ocena 4.9<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns has-small-font-size is-layout-flex wp-container-core-columns-is-layout-cb38399c wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-d822ebe3 wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-1024x683.jpg\" alt=\"Nest Bank logo\" class=\"wp-image-139\" title=\"\" srcset=\"https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-1024x683.jpg 1024w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-300x200.jpg 300w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-768x512.jpg 768w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-332x221.jpg 332w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-664x443.jpg 664w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-688x459.jpg 688w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-1044x696.jpg 1044w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-4b491eed wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:40%\">\n<ul class=\"wp-block-list\">\n<li>0 z\u0142 za prowadzenie!<\/li>\n\n\n\n<li>0 z\u0142 za kart\u0119!<\/li>\n\n\n\n<li>0 z\u0142 za wyp\u0142aty z Bankomat\u00f3w Euronet<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-buttons-is-layout-82e8b811 wp-block-buttons-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-small-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/1562\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">OTW\u00d3RZ KONTO<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-292e1549 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Szczeg\u00f3\u0142y konta<\/summary>\n<p class=\"wp-block-paragraph\">Nest Konto to klasyczny rachunek oszcz\u0119dno\u015bciowo-rozliczeniowy (ROR) prowadzony przez Nest Bank SA.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Plusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li>Bezwarunkowy brak op\u0142at za prowadzenie<\/li>\n\n\n\n<li>Bezwarunkowy brak op\u0142at za kart\u0119<\/li>\n\n\n\n<li>Darmowe bankomaty Euronet<\/li>\n\n\n\n<li>Darmowe wp\u0142atomaty Euronet i Planet Cash<\/li>\n\n\n\n<li>Przejrzysta aplikacja<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Minusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Brak czatu z konsultantem<\/li>\n\n\n\n<li>Znikoma liczba plac\u00f3wek banku<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-table is-style-regular\" style=\"font-size:14px\"><table><thead><tr><th>Us\u0142uga<\/th><th>Koszt<\/th><\/tr><\/thead><tbody><tr><td>Za\u0142o\u017cenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Prowadzenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Op\u0142ata za kart\u0119<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Wyp\u0142aty z bankomat\u00f3w Euronet<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Wp\u0142aty we wp\u0142atomatach Euronet  i Planet Cash<\/td><td>0 z\u0142<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/nestbank.pl\/Wspolne\/Dokumenty-aktualne\/Tabela-Oplat-i-Prowizji-oferta-Rachunkow-i-Kart.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Cennik us\u0142ug Nest Bank<\/a><\/figcaption><\/figure>\n<\/details>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\"><a href=\"https:\/\/forgemag.pl\/nest-konto-recenzja-opinie\/\" target=\"_blank\" rel=\"noreferrer noopener\">Przeczytaj recenzj\u0119<\/a><\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Ranking &#8222;najlepsze konto bankowe&#8221; kolejny miesi\u0105c z rz\u0119du otwiera Nest Konto od Nest Bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Za co lubimy Nest Konto<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bezwarunkowo darmowe prowadzenie i karta p\u0142atnicza \u2013 zero niespodzianek w op\u0142atach.<\/li>\n\n\n\n<li>Du\u017ca liczba darmowych bankomat\u00f3w Euronet i czytelna aplikacja mobilna.<\/li>\n\n\n\n<li>Prosta obs\u0142uga i brak zb\u0119dnych dodatk\u00f3w w serwisie internetowym.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/forgemag.pl\/money\/nest-konto-recenzja-opinie\/\" data-type=\"post\" data-id=\"178284\">Przeczytaj pe\u0142n\u0105 opini\u0119 o Nest Koncie<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Miejsce 2. Citi Konto<\/h3>\n\n\n\n<div class=\"wp-block-group has-small-font-size\" style=\"border-width:1px;margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50);padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-container-core-group-is-layout-ac091e9d wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-f054619f wp-block-columns-is-layout-flex\" style=\"margin-bottom:0px;padding-right:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"is-style-default wp-block-paragraph\" style=\"font-size:1.3rem\"><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/2174\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Citi Konto<\/strong><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-gutena-star-ratings gutena-star-ratings-block gutena-star-ratings-block-6b3d01-e3 align-right\" style=\"margin-top:0;margin-right:0;margin-bottom:-30px;margin-left:0;padding-bottom:0px;padding-left:0\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><\/div>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\" style=\"font-size:12px\">Ocena 4.8<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns has-small-font-size is-layout-flex wp-container-core-columns-is-layout-cb38399c wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-d822ebe3 wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/forgemag.pl\/wp-content\/uploads\/2024\/09\/citi-handlowy-logo-1024x683.jpg\" alt=\"\" class=\"wp-image-10136\" title=\"\"><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-4b491eed wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:40%\">\n<ul class=\"wp-block-list\">\n<li>0 z\u0142 za prowadzenie<\/li>\n\n\n\n<li>0 z\u0142 za kart\u0119<\/li>\n\n\n\n<li>0 z\u0142 za przelewy<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\">\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-buttons-is-layout-82e8b811 wp-block-buttons-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-small-font-size has-custom-font-size wp-element-button\">OTW\u00d3RZ KONTO<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-2172038d wp-block-group-is-layout-flex\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Szczeg\u00f3\u0142y konta<\/summary>\n<p class=\"wp-block-paragraph\">Citi Konto to rachunek osobisty typu ROR prowadzony przez Citi Handlowy &#8211; polski od\u0142am jednego z najwi\u0119kszych bank\u00f3w na \u015bwiecie &#8211; Citi Banku.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Plusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li>Bezwarunkowy brak op\u0142at za prowadzenie<\/li>\n\n\n\n<li>Bezwarunkowo darmowa karta<\/li>\n\n\n\n<li>Przejrzysta aplikacja i serwis transakcyjny<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Minusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Znikoma ilo\u015b\u0107 funkcji aplikacji mobilnej<\/li>\n\n\n\n<li>Niewielka liczba bezp\u0142atnych bankomat\u00f3w Citi<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-table is-style-regular\" style=\"font-size:14px\"><table><thead><tr><th>Us\u0142uga<\/th><th>Koszt<\/th><\/tr><\/thead><tbody><tr><td>Za\u0142o\u017cenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Prowadzenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Op\u0142ata za kart\u0119<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Wyp\u0142aty z bankomat\u00f3w Citi<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Wp\u0142aty we wp\u0142atomatach Citi<\/td><td>0 z\u0142<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/www.citibank.pl\/files\/documents\/accounts\/toip-konta-obowiazuje-od-15-wrzesnia-2022-r.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Cennik us\u0142ug Citi Handlowy<\/a><\/figcaption><\/figure>\n<\/details>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Przeczytaj recenzj\u0119<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Drugie miejsce<\/strong> zestawienia najlepszych kont bankowych zajmuje Citi Konto od Citi Handlowego.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Za co lubimy Citi Konto:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ca\u0142kowicie darmowe prowadzenie konta i karty \u2013 bez \u017cadnych warunk\u00f3w.<\/li>\n\n\n\n<li>Przejrzysta i intuicyjna aplikacja mobilna oraz czytelny serwis transakcyjny.<\/li>\n\n\n\n<li>Solidny, uniwersalny rachunek, jednego z najwi\u0119kszych bank\u00f3w w Europie.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Co nas wkurza<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Niewielka liczba bankomat\u00f3w Citi (wyp\u0142ata z obcych ATM-\u00f3w jest p\u0142atna)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Miejsce 3. Konto za Zero<\/h3>\n\n\n\n<div class=\"wp-block-group has-small-font-size\" style=\"border-width:1px;margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50);padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-container-core-group-is-layout-ac091e9d wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-f054619f wp-block-columns-is-layout-flex\" style=\"margin-bottom:0px;padding-right:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"is-style-default wp-block-paragraph\" style=\"font-size:1.3rem\"><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/538\/label=breaker?source=lt\" data-type=\"link\" data-id=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/538\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Konto za Zero<\/strong><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-gutena-star-ratings gutena-star-ratings-block gutena-star-ratings-block-904991-7d align-right\" style=\"margin-top:0;margin-right:0;margin-bottom:-30px;margin-left:0;padding-bottom:0px;padding-left:0\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><\/div>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\" style=\"font-size:12px\">Ocena 4.8<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns has-small-font-size is-layout-flex wp-container-core-columns-is-layout-cb38399c wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-d822ebe3 wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/forgemag.pl\/wp-content\/uploads\/2024\/09\/pko-bp-logo-1024x683.jpg\" alt=\"\" class=\"wp-image-10147\" title=\"\"><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-4b491eed wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:40%\">\n<ul class=\"wp-block-list\">\n<li>0 z\u0142 za prowadzenie<\/li>\n\n\n\n<li>0 z\u0142 za kart\u0119*<\/li>\n\n\n\n<li>0 z\u0142 za przelewy<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-buttons-is-layout-82e8b811 wp-block-buttons-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-small-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/538\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">OTW\u00d3RZ KONTO<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-292e1549 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Szczeg\u00f3\u0142y konta<\/summary>\n<p class=\"wp-block-paragraph\">Konto za Zero od PKO Banku Polskiego oferuje dost\u0119p do wielu us\u0142ug dodatkowych w rozbudowanej bankowo\u015bci elektronicznej i mobilnej.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Plusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li>Bezwarunkowy brak op\u0142at za prowadzenie<\/li>\n\n\n\n<li>Darmowe bankomaty PKO BP<\/li>\n\n\n\n<li>Rozbudowana aplikacja i serwis transakcyjny<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Minusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wysoka op\u0142ata za kart\u0119 w przypadku niespe\u0142nienia warunk\u00f3w<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-table is-style-regular\" style=\"font-size:14px\"><table><thead><tr><th>Us\u0142uga<\/th><th>Koszt<\/th><\/tr><\/thead><tbody><tr><td>Za\u0142o\u017cenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Prowadzenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Op\u0142ata za kart\u0119<\/td><td>0 z\u0142* \/ <strong>10 z\u0142<\/strong><\/td><\/tr><tr><td>Wyp\u0142aty z bankomat\u00f3w PKO BP<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Wp\u0142aty we wp\u0142atomatach PKO BP<\/td><td>0 z\u0142<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/www.pkobp.pl\/api\/public\/cf3ef277-43d1-49d6-b94f-ec268a7802bf.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Cennik us\u0142ug PKO Bank Polski<\/a><\/figcaption><\/figure>\n<\/details>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Przeczytaj recenzj\u0119<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Trzecie miejsce w rankingu &#8222;najlepsze konta bankowe&#8221; zajmuje rachunek <em>Konto za Zero<\/em><\/strong> od <a href=\"https:\/\/forgemag.pl\/money\/najwieksze-banki-w-polsce\/\" data-type=\"post\" data-id=\"12231\">najwi\u0119kszego polskiego banku<\/a> &#8211; PKO BP.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Za co lubimy Konto za Zero:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bezwarunkowy brak op\u0142at za prowadzenie<\/li>\n\n\n\n<li>Stabilno\u015b\u0107 i bezpiecze\u0144stwo najwi\u0119kszego polskiego banku<\/li>\n\n\n\n<li>Rozbudowana aplikacja mobilna z dost\u0119pem do wielu funkcji dodatkowych<\/li>\n\n\n\n<li>Du\u017ca liczba bezp\u0142atnych bankomat\u00f3w w\u0142asnych PKO BP (ponad 3000)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Co nas wkurza:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wysoka op\u0142ata za kart\u0119 w przypadku niespe\u0142nienia warunk\u00f3w<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Najlepsze bezwarunkowo darmowe konta bankowe<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Je\u015bli podczas wyboru rachunku bankowego priorytetem dla Ciebie ca\u0142kowity brak op\u0142at za prowadzenie, wybrali\u015bmy najlepsze darmowe konta bankowe w kraju, kt\u00f3re mo\u017cesz wzi\u0105\u0107 pod uwag\u0119. Pami\u0119taj jednak, \u017ce bezwarunkowy brak op\u0142at za prowadzenie nie zawsze oznacza tak\u017ce bezp\u0142atn\u0105 kart\u0119 p\u0142atnicz\u0105. Ta mo\u017ce, ale nie musi, mie\u0107 pewne haczyki, jak np. minimaln\u0105 liczb\u0119 transakcji.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>TOP 3 Najlepsze bezwarunkowo darmowe konta bankowe<\/strong> \/ bezp\u0142atne rachunki osobiste.<\/p>\n\n\n\n<figure class=\"wp-block-table alignwide has-small-font-size\"><table><thead><tr><th>NAZWA KONTA<\/th><th>OP\u0141ATY<\/th><th class=\"has-text-align-center\" data-align=\"center\">WNIOSEK<\/th><\/tr><\/thead><tbody><tr><td>Konto Easy UniCredit<\/td><td>0 z\u0142 za prowadzenie<br>0 z\u0142 za kart\u0119<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/3263\/label=breaker?source=lt\" data-type=\"link\" data-id=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/3263\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">OTW\u00d3RZ ONLINE<\/a><\/strong><\/td><\/tr><tr><td>Nest Konto<\/td><td>0 z\u0142 za prowadzenie<br>0 z\u0142 za kart\u0119<\/td><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/1562\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>OTW\u00d3RZ ONLINE<\/strong><\/a><\/td><\/tr><tr><td>Konto za Zero<\/td><td>0 z\u0142 za prowadzenie<br>0 z\u0142* \/ 10 z\u0142 za kart\u0119<\/td><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/538\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>OTW\u00d3RZ ONLINE<\/strong><\/a><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Najlepsze konta osobiste bez op\u0142at za prowadzenie. Ranking 2026 The Forge<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Sprawd\u017a pe\u0142ny <a href=\"https:\/\/forgemag.pl\/money\/najlepsze-darmowe-konta-bankowe-osobiste\/\">ranking darmowych kont osobistych<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Najlepsze darmowe rachunki osobiste<\/strong> (konta bankowe bez op\u0142at za prowadzenie) w naszym rankingu pokrywaj\u0105 si\u0119 z tymi, kt\u00f3re uznali\u015bmy za najlepsze uniwersalne konta bankowe i nie jest to przypadkowe! Zar\u00f3wno <strong>Nest Konto, Citi Konto oraz Konto za Zero od PKO BP<\/strong> to naprawd\u0119 bezpieczne ROR-y, kt\u00f3rym zaufa\u0142y miliony Polak\u00f3w.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Miejsce 1. Konto Easy UniCredit<\/h3>\n\n\n\n<div class=\"wp-block-group has-small-font-size\" style=\"border-width:1px;margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50);padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-container-core-group-is-layout-ac091e9d wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-f054619f wp-block-columns-is-layout-flex\" style=\"margin-bottom:0px;padding-right:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"is-style-default wp-block-paragraph\" style=\"font-size:1.3rem\"><strong><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/3263\/label=breaker?source=lt\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/3263\/label=breaker?source=lt\" rel=\"noreferrer noopener nofollow\">Konto UniCredit <em>Easy<\/em><\/a><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-gutena-star-ratings gutena-star-ratings-block gutena-star-ratings-block-9416c7-12 align-right\" style=\"margin-top:0;margin-right:0;margin-bottom:-30px;margin-left:0;padding-bottom:0px;padding-left:0\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><\/div>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\" style=\"font-size:12px\">Ocena 5.0<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns has-small-font-size is-layout-flex wp-container-core-columns-is-layout-cb38399c wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-d822ebe3 wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/logo-unicredit-1-1024x683.jpg\" alt=\"logo unicredit\" class=\"wp-image-178662\" title=\"\" srcset=\"https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/logo-unicredit-1-1024x683.jpg 1024w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/logo-unicredit-1-300x200.jpg 300w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/logo-unicredit-1-768x512.jpg 768w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/logo-unicredit-1-332x221.jpg 332w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/logo-unicredit-1-664x443.jpg 664w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/logo-unicredit-1-688x459.jpg 688w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/logo-unicredit-1-1044x696.jpg 1044w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/logo-unicredit-1.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-4b491eed wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:40%\">\n<ul class=\"wp-block-list\">\n<li>0 z\u0142 za prowadzenie!<\/li>\n\n\n\n<li>0 z\u0142 za kart\u0119!<\/li>\n\n\n\n<li>0 z\u0142 za wyp\u0142aty z bankomat\u00f3w<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-buttons-is-layout-82e8b811 wp-block-buttons-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-small-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/3263\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">OTW\u00d3RZ KONTO<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-292e1549 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Szczeg\u00f3\u0142y konta<\/summary>\n<p class=\"wp-block-paragraph\">Konto osobiste Easy to rachunek bie\u017c\u0105cy oferowany przez Bank UniCredit SA Oddzia\u0142 w Polsce.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Plusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li>Bezwarunkowy brak op\u0142at za prowadzenie<\/li>\n\n\n\n<li>Bezwarunkowy brak op\u0142at za kart\u0119<\/li>\n\n\n\n<li>Brak op\u0142at za wyp\u0142at\u0119 got\u00f3wki z bankomat\u00f3w w Polsce<\/li>\n\n\n\n<li>Brak op\u0142at za wyp\u0142at\u0119 got\u00f3wki z bankomat\u00f3w zagranic\u0105<\/li>\n\n\n\n<li>Brak op\u0142at za wp\u0142aty we wp\u0142atomatach<\/li>\n\n\n\n<li>Przejrzysta i lekka aplikacja<\/li>\n\n\n\n<li>Darmowe przelewy ekspresowe<\/li>\n\n\n\n<li>Darmowe przelewy SEPA<\/li>\n\n\n\n<li>Dost\u0119p do funkcji dodatkowych (lokata, po\u017cyczka, konto oszcz\u0119dno\u015bciowe)<\/li>\n\n\n\n<li>Darmowe konta walutowe<\/li>\n\n\n\n<li>Niska lub zerowa mar\u017ca za wymian\u0119 walut<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Minusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Znikoma liczba plac\u00f3wek banku<\/li>\n\n\n\n<li>Brak obs\u0142ugi kasowej w plac\u00f3wkach<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-table is-style-regular\" style=\"font-size:14px\"><table><thead><tr><th>Us\u0142uga<\/th><th>Koszt<\/th><\/tr><\/thead><tbody><tr><td>Za\u0142o\u017cenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Prowadzenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Op\u0142ata za kart\u0119<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Wyp\u0142aty z bankomat\u00f3w w Polsce i na \u015bwiecie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Wp\u0142aty we wp\u0142atomatach<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Przelewy standardowe (Elixir)<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Przelewy natychmiastowe (Express Elixir)<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Przelewy europejskie SEPA<\/td><td>0 z\u0142<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/unicredit.pl\/dam\/jcr:a53ed3a0-ed8b-4930-bdbf-96ed602dcabd\/Lista%20op%C5%82at%20i%20prowizji%20dla%20klientow%20detalicznych%20UniCredit.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Cennik us\u0142ug UniCredit (pakiet Easy)<\/a><\/figcaption><\/figure>\n<\/details>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\"><a href=\"https:\/\/forgemag.pl\/konto-unicredit-recenzja-analiza-opinie\">Przeczytaj recenzj\u0119<\/a><\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Konto bankowe Easy od UniCredit deklasuje konkurencj\u0119 pod wzgl\u0119dem op\u0142at, co stawia ten rachunek na podium <a href=\"https:\/\/forgemag.pl\/money\/najlepsze-darmowe-konta-bankowe-osobiste\/\" data-type=\"post\" data-id=\"13874\">bezwarunkowo darmowych rachunk\u00f3w osobistych<\/a>. Brak op\u0142at za prowadzenie, brak op\u0142at za kart\u0119, brak op\u0142at za przelewy (tak\u017ce natychmiastowe i SEPA), brak op\u0142at za wyp\u0142at\u0119 got\u00f3wki z bankomat\u00f3w w Polsce i zagranic\u0105, brak op\u0142at za przewalutowanie. Jedyny minus to znikoma liczba oddzia\u0142\u00f3w i brak obs\u0142ugi kasowej, ale w nowoczesnej bankowo\u015bci musimy si\u0119 do tego przyzwyczai\u0107.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/forgemag.pl\/money\/konto-unicredit-recenzja-analiza-opinie\">Pe\u0142na recenzja konta osobistego w UniCredit<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Miejsce 2. Nest Konto<\/h3>\n\n\n\n<div class=\"wp-block-group has-small-font-size\" style=\"border-width:1px;margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50);padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-container-core-group-is-layout-ac091e9d wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-f054619f wp-block-columns-is-layout-flex\" style=\"margin-bottom:0px;padding-right:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"is-style-default wp-block-paragraph\" style=\"font-size:1.3rem\"><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/1562\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Nest Konto<\/strong><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-gutena-star-ratings gutena-star-ratings-block gutena-star-ratings-block-ad4c8e-b3 align-right\" style=\"margin-top:0;margin-right:0;margin-bottom:-30px;margin-left:0;padding-bottom:0px;padding-left:0\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><\/div>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\" style=\"font-size:12px\">Ocena 4.9<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns has-small-font-size is-layout-flex wp-container-core-columns-is-layout-cb38399c wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-d822ebe3 wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-1024x683.jpg\" alt=\"Nest Bank logo\" class=\"wp-image-139\" title=\"\" srcset=\"https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-1024x683.jpg 1024w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-300x200.jpg 300w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-768x512.jpg 768w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-332x221.jpg 332w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-664x443.jpg 664w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-688x459.jpg 688w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-1044x696.jpg 1044w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-4b491eed wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:40%\">\n<ul class=\"wp-block-list\">\n<li>0 z\u0142 za prowadzenie!<\/li>\n\n\n\n<li>0 z\u0142 za kart\u0119!<\/li>\n\n\n\n<li>0 z\u0142 za wyp\u0142aty z Bankomat\u00f3w Euronet<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-buttons-is-layout-82e8b811 wp-block-buttons-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-small-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/1562\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">OTW\u00d3RZ KONTO<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-292e1549 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Szczeg\u00f3\u0142y konta<\/summary>\n<p class=\"wp-block-paragraph\">Nest Konto to klasyczny rachunek oszcz\u0119dno\u015bciowo-rozliczeniowy (ROR) prowadzony przez Nest Bank SA.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Plusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li>Bezwarunkowy brak op\u0142at za prowadzenie<\/li>\n\n\n\n<li>Bezwarunkowy brak op\u0142at za kart\u0119<\/li>\n\n\n\n<li>Darmowe bankomaty Euronet<\/li>\n\n\n\n<li>Darmowe wp\u0142atomaty Euronet i Planet Cash<\/li>\n\n\n\n<li>Przejrzysta aplikacja<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Minusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Brak czatu z konsultantem<\/li>\n\n\n\n<li>Znikoma liczba plac\u00f3wek banku<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-table is-style-regular\" style=\"font-size:14px\"><table><thead><tr><th>Us\u0142uga<\/th><th>Koszt<\/th><\/tr><\/thead><tbody><tr><td>Za\u0142o\u017cenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Prowadzenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Op\u0142ata za kart\u0119<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Wyp\u0142aty z bankomat\u00f3w Euronet<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Wp\u0142aty we wp\u0142atomatach Euronet  i Planet Cash<\/td><td>0 z\u0142<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/nestbank.pl\/Wspolne\/Dokumenty-aktualne\/Tabela-Oplat-i-Prowizji-oferta-Rachunkow-i-Kart.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Cennik us\u0142ug Nest Bank<\/a><\/figcaption><\/figure>\n<\/details>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\"><a href=\"https:\/\/forgemag.pl\/nest-konto-recenzja-opinie\/\" target=\"_blank\" rel=\"noreferrer noopener\">Przeczytaj recenzj\u0119<\/a><\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Jeszcze do niedawna to w\u0142a\u015bnie Nest Konto g\u00f3rowa\u0142o na szczycie rankingu najlepszych bezp\u0142atnych kont osobistych, a wszystko za spraw\u0105 braku op\u0142at za prowadzenie i kart\u0119 oraz mnogo\u015b\u0107 bankomat\u00f3w Euronet, z kt\u00f3rych bezprowizyjnie wyp\u0142acisz got\u00f3wk\u0119. C\u00f3\u017c, wszed\u0142 UniCredit i minimalnie zepchn\u0105\u0142 Nest Konto na ni\u017csz\u0105 pozycj\u0119 w naszym zestawieniu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Miejsce 3. Konto za Zero<\/h3>\n\n\n\n<div class=\"wp-block-group has-small-font-size\" style=\"border-width:1px;margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50);padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-container-core-group-is-layout-ac091e9d wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-f054619f wp-block-columns-is-layout-flex\" style=\"margin-bottom:0px;padding-right:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"is-style-default wp-block-paragraph\" style=\"font-size:1.3rem\"><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/538\/label=breaker?source=lt\" data-type=\"link\" data-id=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/538\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Konto za Zero<\/strong><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-gutena-star-ratings gutena-star-ratings-block gutena-star-ratings-block-904991-7d align-right\" style=\"margin-top:0;margin-right:0;margin-bottom:-30px;margin-left:0;padding-bottom:0px;padding-left:0\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><\/div>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\" style=\"font-size:12px\">Ocena 4.8<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns has-small-font-size is-layout-flex wp-container-core-columns-is-layout-cb38399c wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-d822ebe3 wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/forgemag.pl\/wp-content\/uploads\/2024\/09\/pko-bp-logo-1024x683.jpg\" alt=\"\" class=\"wp-image-10147\" title=\"\"><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-4b491eed wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:40%\">\n<ul class=\"wp-block-list\">\n<li>0 z\u0142 za prowadzenie<\/li>\n\n\n\n<li>0 z\u0142 za kart\u0119*<\/li>\n\n\n\n<li>0 z\u0142 za przelewy<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-buttons-is-layout-82e8b811 wp-block-buttons-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-small-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/538\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">OTW\u00d3RZ KONTO<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-292e1549 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Szczeg\u00f3\u0142y konta<\/summary>\n<p class=\"wp-block-paragraph\">Konto za Zero od PKO Banku Polskiego oferuje dost\u0119p do wielu us\u0142ug dodatkowych w rozbudowanej bankowo\u015bci elektronicznej i mobilnej.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Plusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li>Bezwarunkowy brak op\u0142at za prowadzenie<\/li>\n\n\n\n<li>Darmowe bankomaty PKO BP<\/li>\n\n\n\n<li>Rozbudowana aplikacja i serwis transakcyjny<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Minusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wysoka op\u0142ata za kart\u0119 w przypadku niespe\u0142nienia warunk\u00f3w<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-table is-style-regular\" style=\"font-size:14px\"><table><thead><tr><th>Us\u0142uga<\/th><th>Koszt<\/th><\/tr><\/thead><tbody><tr><td>Za\u0142o\u017cenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Prowadzenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Op\u0142ata za kart\u0119<\/td><td>0 z\u0142* \/ <strong>10 z\u0142<\/strong><\/td><\/tr><tr><td>Wyp\u0142aty z bankomat\u00f3w PKO BP<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Wp\u0142aty we wp\u0142atomatach PKO BP<\/td><td>0 z\u0142<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/www.pkobp.pl\/api\/public\/cf3ef277-43d1-49d6-b94f-ec268a7802bf.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Cennik us\u0142ug PKO Bank Polski<\/a><\/figcaption><\/figure>\n<\/details>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Przeczytaj recenzj\u0119<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Drugim bezp\u0142atnym kontem bankowym, kt\u00f3ry zdecydowanie polecamy, jest Konto za Zero od PKO Banku Polskiego<\/strong>. Ten klasyczny ROR spe\u0142ni wymagania ka\u017cdego, kto ceni sobie dost\u0119p do us\u0142ug dodatkowych oferowanych przez bank, rozbudowan\u0105 aplikacj\u0119 oraz brak op\u0142at za prowadzenie. Aby karta do rachunku by\u0142a darmowa, musisz spe\u0142ni\u0107 jednak warunek &#8211; dokona\u0107 minimum 5 transakcji miesi\u0119cznie (tak\u017ce BLIK).<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><a href=\"https:\/\/forgemag.pl\/money\/najlepsze-konta-bankowe-z-premia-bonusem\/\">Najlepsze konta bankowe z premi\u0105 na start<\/a><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Aby przyci\u0105gn\u0105\u0107 do siebie nowych klient\u00f3w banki w Polsce kusz\u0105 ofertami specjalnymi, do kt\u00f3rych nale\u017c\u0105 m.in. premie za za\u0142o\u017cenie konta. S\u0119k w tym, \u017ce takie premie oferuje ju\u017c wi\u0119kszo\u015b\u0107 bank\u00f3w w kraju, co mo\u017ce powodowa\u0107 problemy w wyborze najlepszego rachunku osobistego, <strong>a nie tylko tego z najwi\u0119ksz\u0105 premi\u0105<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aby pom\u00f3c Wam w decyzji, wybrali\u015bmy <strong>najlepsze konta osobiste z premi\u0105 na start<\/strong>, kt\u00f3re jednocze\u015bnie spe\u0142niaj\u0105 nasze g\u0142\u00f3wne wymagania: s\u0105 <strong>bezpieczne, proste w obs\u0142udze i tanie lub darmowe w utrzymaniu<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Najlepsze konta z premi\u0105 na start<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table alignwide has-small-font-size\"><table><thead><tr><th>NAZWA KONTA<\/th><th>PREMIA<\/th><th class=\"has-text-align-center\" data-align=\"center\">WNIOSEK<\/th><\/tr><\/thead><tbody><tr><td>Konto Przekorzystne<\/td><td>do 450 z\u0142<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/2848\/label=breaker?source=lt\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/2848\/label=breaker?source=lt\" rel=\"noreferrer noopener\">OTW\u00d3RZ ONLINE<\/a><\/strong><\/td><\/tr><tr><td>Konto Millennium 360\u00b0<\/td><td>do 700 z\u0142<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/403\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener\">OTW\u00d3RZ ONLINE<\/a><\/strong><\/td><\/tr><tr><td>eKonto osobiste<\/td><td>do 720 z\u0142<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/72\/label=breaker?source=lt\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/72\/label=breaker?source=lt\" rel=\"noreferrer noopener\">OTW\u00d3RZ ONLINE<\/a><\/strong><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Najlepsze konta bankowe z premi\u0105 na start. Ranking The Forge Money<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Miejsce 1. Konto Przekorzystne &#8211; bonus do 450 z\u0142<\/h3>\n\n\n\n<div class=\"wp-block-group has-small-font-size\" style=\"border-width:1px;margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50);padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-container-core-group-is-layout-ac091e9d wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-f054619f wp-block-columns-is-layout-flex\" style=\"margin-bottom:0px;padding-right:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"is-style-default wp-block-paragraph\" style=\"font-size:1.3rem\"><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/2848\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Konto Przekorzystne<\/strong><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-gutena-star-ratings gutena-star-ratings-block gutena-star-ratings-block-b07b39-22 align-right\" style=\"margin-top:0;margin-right:0;margin-bottom:-30px;margin-left:0;padding-bottom:0px;padding-left:0\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><\/div>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\" style=\"font-size:12px\">Ocena 4.8<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns has-small-font-size is-layout-flex wp-container-core-columns-is-layout-cb38399c wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-d822ebe3 wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/forgemag.pl\/wp-content\/uploads\/2024\/09\/pekao-sa-logo-1024x683.jpg\" alt=\"logo Pekao\" class=\"wp-image-10141\" title=\"\"><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-4b491eed wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:40%\">\n<ul class=\"wp-block-list\">\n<li>0 z\u0142 za prowadzenie<\/li>\n\n\n\n<li>0 z\u0142* \/ 5 z\u0142 za kart\u0119<\/li>\n\n\n\n<li>0 z\u0142 za przelewy<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-buttons-is-layout-247a48e7 wp-block-buttons-is-layout-flex\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-small-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/2848\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">OTW\u00d3RZ KONTO<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-292e1549 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Szczeg\u00f3\u0142y konta<\/summary>\n<p class=\"wp-block-paragraph\">Konto Przekorzystne oferowane przez Bank Pekao SA to standardowy rachunek osobisty typu ROR.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Plusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li>Bezwarunkowy brak op\u0142at za prowadzenie<\/li>\n\n\n\n<li>Darmowe bankomaty Pekao SA<\/li>\n\n\n\n<li>Rozbudowana aplikacja<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Minusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Op\u0142ata za kart\u0119 w przypadku niespe\u0142nienia warunk\u00f3w banku<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-table is-style-regular\" style=\"font-size:14px\"><table><thead><tr><th>Us\u0142uga<\/th><th>Koszt<\/th><\/tr><\/thead><tbody><tr><td>Za\u0142o\u017cenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Prowadzenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Op\u0142ata za kart\u0119<\/td><td>0 z\u0142* \/ <strong>5 z\u0142<\/strong><\/td><\/tr><tr><td>Wyp\u0142aty z bankomat\u00f3w Pekao SA<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Wp\u0142aty we wp\u0142atomatach Pekao SA<\/td><td>0 z\u0142<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/www.pekao.com.pl\/o-banku\/stopka\/cennik-i-regulamin.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Cennik us\u0142ug Pekao SA<\/a><\/figcaption><\/figure>\n<\/details>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Przeczytaj recenzj\u0119<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Na pierwszym miejscu w rankingu kont bankowych z premi\u0105 plasuje si\u0119 <em>Konto Przekorzystne<\/em> w Banku Pekao SA.<\/strong> To standardowy rachunek osobisty, z warunkowo darmow\u0105 kart\u0105 i dost\u0119pem do rozbudowanego systemu transakcyjnego i przejrzystej aplikacji mobilnej.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Premia za za\u0142o\u017cenia Konta Przekorzystnego mo\u017ce wynie\u015b\u0107 nawet 450 z\u0142<\/strong>, a warunki nie s\u0105 wy\u015brubowane.<\/p>\n\n\n\n<h3 id=\"6-konto-millennium-360\" class=\"wp-block-heading\">Miejsce 2. Konto Millennium 360\u00b0 &#8211; bonus do 700 z\u0142<\/h3>\n\n\n\n<div class=\"wp-block-group has-small-font-size\" style=\"border-width:1px;margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50);padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-container-core-group-is-layout-ac091e9d wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-f054619f wp-block-columns-is-layout-flex\" style=\"margin-bottom:0px;padding-right:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"is-style-default wp-block-paragraph\" style=\"font-size:1.3rem\"><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/403\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Konto Millennium 360\u00b0<\/strong><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-gutena-star-ratings gutena-star-ratings-block gutena-star-ratings-block-4c682d-f6 align-right\" style=\"margin-top:0;margin-right:0;margin-bottom:-30px;margin-left:0;padding-bottom:0px;padding-left:0\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-half-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 14.656l2.817 1.72-.766-3.21 2.507-2.147-3.29-.264L12 7.708v6.948zM12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7L12 17z\"><\/path><\/svg><\/div>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\" style=\"font-size:12px\">Ocena 4.4<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns has-small-font-size is-layout-flex wp-container-core-columns-is-layout-cb38399c wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-d822ebe3 wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/forgemag.pl\/wp-content\/uploads\/2023\/10\/konto-millennium-bank-1024x683.jpg\" alt=\"konto millennium 360\" class=\"wp-image-446\" title=\"\"><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-4b491eed wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:40%\">\n<ul class=\"wp-block-list\">\n<li>0 z\u0142 za prowadzenie<\/li>\n\n\n\n<li>0 z\u0142* \/ <strong>11 z\u0142<\/strong> za kart\u0119<\/li>\n\n\n\n<li>0 z\u0142 za przelewy<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\">\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3098c604 wp-block-buttons-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/403\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">OTW\u00d3RZ KONTO<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-292e1549 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Szczeg\u00f3\u0142y konta<\/summary>\n<p class=\"wp-block-paragraph\">Konto Millennium 360 to bezp\u0142atny podstawowy rachunek osobisty oferowany przez Bank Millennium.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Plusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bezwarunkowy brak op\u0142at za prowadzenie<\/li>\n\n\n\n<li>Darmowe bankomaty Millennium<\/li>\n\n\n\n<li>Rozbudowana aplikacja i serwis transakcyjny<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Minusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Karta do konta nie jest darmowa bezwarunkowo<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Us\u0142uga<\/th><th>Koszt<\/th><\/tr><\/thead><tbody><tr><td>Za\u0142o\u017cenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Prowadzenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Op\u0142ata za kart\u0119<\/td><td>0 z\u0142* \/ <strong>11 z\u0142<\/strong><\/td><\/tr><tr><td>Wyp\u0142aty z bankomat\u00f3w Millennium<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Wp\u0142aty we wp\u0142atomatach Millennium<\/td><td>0 z\u0142<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/www.bankmillennium.pl\/delegate\/managedfiles\/21\/latest\" target=\"_blank\" rel=\"noreferrer noopener\">Cennik us\u0142ug Millennium Bank<\/a><\/figcaption><\/figure>\n<\/details>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Przeczytaj recenzj\u0119<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Drugie miejsce w rankingu najlepsze konto osobiste z premi\u0105 na start zajmuje Konto Millennium 360\u00b0. Ten klasyczny rachunek bankowy adresowany jest do os\u00f3b fizycznych, kt\u00f3rym zale\u017cy zar\u00f3wno na darmowym prowadzeniu, jak i sporej ilo\u015bci funkcji w aplikacji mobilnej. Za prowadzenie konta osobistego Millennium 360\u00b0 nie zap\u0142acisz ani z\u0142ot\u00f3wki.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Za otwarcie konta Millennium 360\u00b0 premia na start mo\u017ce wynie\u015b\u0107 a\u017c 700 z\u0142<\/strong>, ale warunki s\u0105 do\u015b\u0107 wysokie.<\/p>\n\n\n\n<h3 id=\"3-e-konto-w-m-bank\" class=\"wp-block-heading\">Miejsce 3. eKonto osobiste z premi\u0105 do 720 z\u0142<\/h3>\n\n\n\n<div class=\"wp-block-group has-small-font-size\" style=\"border-width:1px;margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50);padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-container-core-group-is-layout-ac091e9d wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-f054619f wp-block-columns-is-layout-flex\" style=\"margin-bottom:0px;padding-right:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"is-style-default wp-block-paragraph\" style=\"font-size:1.3rem\"><strong><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/72\/label=breaker?source=lt\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/72\/label=breaker?source=lt\" rel=\"noreferrer noopener nofollow\">eKonto<\/a><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-gutena-star-ratings gutena-star-ratings-block gutena-star-ratings-block-7744f5-a0 align-right\" style=\"margin-top:0;margin-right:0;margin-bottom:-30px;margin-left:0;padding-bottom:0px;padding-left:0\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-empty-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7L12 17zm0-2.344l2.817 1.72-.766-3.21 2.507-2.147-3.29-.264L12 7.708l-1.268 3.047-3.29.264 2.507 2.147-.766 3.21L12 14.657z\"><\/path><\/svg><\/div>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\" style=\"font-size:12px\">Ocena 4.0<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns has-small-font-size is-layout-flex wp-container-core-columns-is-layout-cb38399c wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-d822ebe3 wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/forgemag.pl\/wp-content\/uploads\/2023\/10\/eKonto-mBank-1024x683.jpg\" alt=\"eKonto\" class=\"wp-image-444\" title=\"\"><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-4b491eed wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:40%\">\n<ul class=\"wp-block-list\">\n<li>0 z\u0142 za prowadzenie<\/li>\n\n\n\n<li>0 z\u0142* \/ 9 z\u0142 za kart\u0119<\/li>\n\n\n\n<li>0 z\u0142 za przelewy<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-buttons-is-layout-82e8b811 wp-block-buttons-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-small-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/72\/label=breaker?source=lt\" target=\"_blank\" rel=\"noopener\">OTW\u00d3RZ KONTO<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-292e1549 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Szczeg\u00f3\u0142y konta<\/summary>\n<p class=\"wp-block-paragraph\">eKonto to klasyczny rachunek oszcz\u0119dno\u015bciowo-rozliczeniowy (ROR) oferowany przez mBank.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Plusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li>Bezwarunkowy brak op\u0142at<\/li>\n\n\n\n<li>Mnogo\u015b\u0107 bankomat\u00f3w mBank i Planet Cash<\/li>\n\n\n\n<li>Rozbudowana aplikacja<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Minusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li>Op\u0142ata za kart\u0119  (warunki)<\/li>\n\n\n\n<li>Opata za wyp\u0142at\u0119 z bankomatu poni\u017cej 300 z\u0142<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Us\u0142uga<\/th><th>Koszt<\/th><\/tr><\/thead><tbody><tr><td>Za\u0142o\u017cenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Prowadzenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Op\u0142ata za kart\u0119<\/td><td>0 z\u0142* \/ <strong>9 z\u0142<\/strong><\/td><\/tr><tr><td>Wyp\u0142aty z bankomat\u00f3w mBank i Planet Cash<\/td><td>0 z\u0142 powy\u017cej 300 z\u0142<\/td><\/tr><tr><td>Wp\u0142aty we wp\u0142atomatach mBank i Planet Cash<\/td><td>0 z\u0142<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/pdf.mbank.pl\/mbankpl\/of\/tpio\/taryfa-osobyfiz-1-06-2023.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Cennik us\u0142ug mBank<\/a><\/figcaption><\/figure>\n<\/details>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Przeczytaj recenzj\u0119<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Na trzeciej pozycji w rankingu kont osobistych z premi\u0105 l\u0105duje w tym miesi\u0105cu eKonto osobiste od mBank. Brak koszt\u00f3w za prowadzenie, warunkowo bezp\u0142atna karta, mnogo\u015b\u0107 bankomat\u00f3w mBank i Planet Cash oraz mocno rozbudowana aplikacja mobilna to najwi\u0119ksze zalety tego klasycznego ROR. Minusem s\u0105 warunki, kt\u00f3re musisz spe\u0142ni\u0107, aby karta by\u0142a za free oraz limit wyp\u0142at z bankomatu, aby nie zap\u0142aci\u0107 prowizji.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Za otwarcie eKonta w mBank mo\u017cesz zyska\u0107 do 720 z\u0142<\/strong>, jednak warunki s\u0105 do\u015b\u0107 wysokie.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Najlepsze konta bankowe z oprocentowaniem<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Je\u015bli celem otwarcia konta bankowego s\u0105 odsetki i wraz z ROR chcesz otworzy\u0107 mo\u017cliwie najlepsze konto oszcz\u0119dno\u015bciowe, ta sekcja jest dla Ciebie. Przegl\u0105daj\u0105c dziesi\u0105tki ofert bank\u00f3w <strong>wybrali\u015bmy najlepsze konta oszcz\u0119dno\u015bciowe<\/strong>, kt\u00f3re \u0142\u0105cz\u0105 wysoki zysk z <strong>darmowym prowadzeniem rachunku osobistego<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>TOP 3 Najlepsze konta oszcz\u0119dno\u015bciowe<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table alignwide has-small-font-size\"><table><thead><tr><td><strong>NAZWA KONTA<\/strong><\/td><td><strong>%<\/strong><\/td><th>OKRES PROMCYJNY<\/th><td><strong>KWOTA MAX<\/strong><\/td><td><strong>WNIOSEK<\/strong><\/td><\/tr><\/thead><tbody><tr><td>VeloKonto Oszcz\u0119dno\u015bciowe<\/td><td><strong>6,5%<\/strong><\/td><td>92 dni<\/td><td>do 50 000 z\u0142<\/td><td><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/830\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>OTW\u00d3RZ ONLINE<\/strong><\/a><\/td><\/tr><tr><td>Nest Konto Oszcz\u0119dno\u015bciowe<\/td><td><strong>6,6%<\/strong><\/td><td>90 dni<\/td><td>do 25 000 z\u0142<\/td><td><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/1562\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>OTW\u00d3RZ ONLINE<\/strong><\/a><\/td><\/tr><tr><td>Konto Oszcz\u0119dno\u015bciowe ING<\/td><td><strong>5,0%<\/strong><\/td><td>92 dni<\/td><td>do 200 000 z\u0142<\/td><td><strong>OTW\u00d3RZ ONLINE<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Miejsce 1. VeloKonto + Elastyczne Konto Oszcz\u0119dno\u015bciowe (EKO)<\/h3>\n\n\n\n<div class=\"wp-block-group has-small-font-size\" style=\"border-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-container-core-group-is-layout-56ec2e72 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-f054619f wp-block-columns-is-layout-flex\" style=\"margin-bottom:0px;padding-right:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\">\n<p class=\"is-style-default wp-block-paragraph\" style=\"font-size:1.3rem\"><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/830\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>VeloKonto<\/strong><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-gutena-star-ratings gutena-star-ratings-block gutena-star-ratings-block-bf89d4-bb align-right\" style=\"margin-top:0;margin-right:0;margin-bottom:-30px;margin-left:0;padding-bottom:0px;padding-left:0\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-half-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 14.656l2.817 1.72-.766-3.21 2.507-2.147-3.29-.264L12 7.708v6.948zM12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7L12 17z\"><\/path><\/svg><\/div>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\" style=\"font-size:12px\">Ocena 4.5<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns has-small-font-size is-layout-flex wp-container-core-columns-is-layout-cb38399c wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-d822ebe3 wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/forgemag.pl\/wp-content\/uploads\/2023\/11\/velokonto-1024x683.jpg\" alt=\"velobank logo\" class=\"wp-image-448\" title=\"\"><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:40%\">\n<ul class=\"wp-block-list\">\n<li>0 z\u0142 za prowadzenie<\/li>\n\n\n\n<li>0 z\u0142* \/ 7 z\u0142 za kart\u0119<\/li>\n\n\n\n<li>0 z\u0142 za przelewy<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\">\n<div class=\"wp-block-buttons has-custom-font-size has-small-font-size is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-buttons-is-layout-82e8b811 wp-block-buttons-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100 is-style-fill\"><a class=\"wp-block-button__link has-small-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/830\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">OTW\u00d3RZ KONTO<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-2172038d wp-block-group-is-layout-flex\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Wi\u0119cej informacji<\/summary>\n<p class=\"wp-block-paragraph\">VeloKonto od VeloBanku to klasyczne konto bankowe adresowane do klient\u00f3w indywidualnych.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Plusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li>Bezwarunkowy brak op\u0142at za prowadzenie<\/li>\n\n\n\n<li>Darmowe bankomaty Planet Cash<\/li>\n\n\n\n<li>Rozbudowana aplikacja i serwis transakcyjny<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Minusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li>Karta do konta nie jest darmowa bezwarunkowo<\/li>\n\n\n\n<li>Aplikacja jest nieco powolna<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Us\u0142uga<\/th><th>Koszt<\/th><\/tr><\/thead><tbody><tr><td>Za\u0142o\u017cenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Prowadzenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Op\u0142ata za kart\u0119<\/td><td>0 z\u0142* \/ <strong>7 z\u0142<\/strong><\/td><\/tr><tr><td>Wyp\u0142aty z bankomat\u00f3w Planet Cash<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Wp\u0142aty we wp\u0142atomatach Planet Cash<\/td><td>0 z\u0142<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/secure.velobank.pl\/docs\/detal\/tabela_oplat_prowizji_dla_klientow_indywidualnych_19_11_2022.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Cennik us\u0142ug VeloBank<\/a><\/figcaption><\/figure>\n<\/details>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Przeczytaj recenzj\u0119<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">VeloBank od d\u0142u\u017cszego czasu dominuje w rankingach oszcz\u0119dno\u015bciowych, oferuj\u0105c jedne z najbardziej przejrzystych warunk\u00f3w na rynku. W naszym rankingu zajmuje pierwsze miejsce w\u015br\u00f3d rachunk\u00f3w o najwy\u017cszym oprocentowaniu.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Oprocentowanie:<\/strong> 6,5% w skali roku.<\/li>\n\n\n\n<li><strong>Kwota maksymalna:<\/strong> do 50 000 z\u0142 (nadwy\u017cka do 400 tys. na 4,5%).<\/li>\n\n\n\n<li><strong>Czas trwania:<\/strong> 92 dni (3 miesi\u0105ce).<\/li>\n\n\n\n<li><strong>Darmowe wyp\u0142aty:<\/strong> Wszystkie przelewy wewn\u0119trzne na ROR za 0 z\u0142.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Naszym zdaniem:<\/strong> To obecnie bezkonkurencyjna oferta dla os\u00f3b, kt\u00f3re ceni\u0105 p\u0142ynno\u015b\u0107 finansow\u0105. W wi\u0119kszo\u015bci bank\u00f3w tylko pierwszy przelew z konta oszcz\u0119dno\u015bciowego w miesi\u0105cu jest darmowy \u2013 tutaj mo\u017cesz przelewa\u0107 \u015brodki na swoje g\u0142\u00f3wne VeloKonto dowoln\u0105 ilo\u015b\u0107 razy, nie trac\u0105c ani grosza z wypracowanych odsetek. To idealny &#8222;magazyn&#8221; na poduszk\u0119 finansow\u0105.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Przeczytaj pe\u0142n\u0105 recenzj\u0119 VeloKonta<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Miejsce 2. Nest Konto Oszcz\u0119dno\u015bciowe<\/h3>\n\n\n\n<div class=\"wp-block-group has-small-font-size\" style=\"border-width:1px;margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50);padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-container-core-group-is-layout-ac091e9d wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-f054619f wp-block-columns-is-layout-flex\" style=\"margin-bottom:0px;padding-right:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"is-style-default wp-block-paragraph\" style=\"font-size:1.3rem\"><a href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/1562\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Nest Konto<\/strong><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-gutena-star-ratings gutena-star-ratings-block gutena-star-ratings-block-ad4c8e-b3 align-right\" style=\"margin-top:0;margin-right:0;margin-bottom:-30px;margin-left:0;padding-bottom:0px;padding-left:0\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><\/div>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\" style=\"font-size:12px\">Ocena 4.9<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns has-small-font-size is-layout-flex wp-container-core-columns-is-layout-cb38399c wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-d822ebe3 wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-1024x683.jpg\" alt=\"Nest Bank logo\" class=\"wp-image-139\" title=\"\" srcset=\"https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-1024x683.jpg 1024w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-300x200.jpg 300w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-768x512.jpg 768w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-332x221.jpg 332w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-664x443.jpg 664w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-688x459.jpg 688w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto-1044x696.jpg 1044w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2023\/10\/nest-konto.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-4b491eed wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:40%\">\n<ul class=\"wp-block-list\">\n<li>0 z\u0142 za prowadzenie!<\/li>\n\n\n\n<li>0 z\u0142 za kart\u0119!<\/li>\n\n\n\n<li>0 z\u0142 za wyp\u0142aty z Bankomat\u00f3w Euronet<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-buttons-is-layout-82e8b811 wp-block-buttons-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-small-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/mdkm.produktyfinansowe.pl\/e\/lead\/1562\/label=breaker?source=lt\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">OTW\u00d3RZ KONTO<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-292e1549 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Szczeg\u00f3\u0142y konta<\/summary>\n<p class=\"wp-block-paragraph\">Nest Konto to klasyczny rachunek oszcz\u0119dno\u015bciowo-rozliczeniowy (ROR) prowadzony przez Nest Bank SA.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Plusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li>Bezwarunkowy brak op\u0142at za prowadzenie<\/li>\n\n\n\n<li>Bezwarunkowy brak op\u0142at za kart\u0119<\/li>\n\n\n\n<li>Darmowe bankomaty Euronet<\/li>\n\n\n\n<li>Darmowe wp\u0142atomaty Euronet i Planet Cash<\/li>\n\n\n\n<li>Przejrzysta aplikacja<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Minusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Brak czatu z konsultantem<\/li>\n\n\n\n<li>Znikoma liczba plac\u00f3wek banku<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-table is-style-regular\" style=\"font-size:14px\"><table><thead><tr><th>Us\u0142uga<\/th><th>Koszt<\/th><\/tr><\/thead><tbody><tr><td>Za\u0142o\u017cenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Prowadzenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Op\u0142ata za kart\u0119<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Wyp\u0142aty z bankomat\u00f3w Euronet<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Wp\u0142aty we wp\u0142atomatach Euronet  i Planet Cash<\/td><td>0 z\u0142<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/nestbank.pl\/Wspolne\/Dokumenty-aktualne\/Tabela-Oplat-i-Prowizji-oferta-Rachunkow-i-Kart.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Cennik us\u0142ug Nest Bank<\/a><\/figcaption><\/figure>\n<\/details>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\"><a href=\"https:\/\/forgemag.pl\/nest-konto-recenzja-opinie\/\" target=\"_blank\" rel=\"noreferrer noopener\">Przeczytaj recenzj\u0119<\/a><\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Nest Bank oferuje najwy\u017csze oprocentowanie w naszym zestawieniu, cho\u0107 skierowane do os\u00f3b z nieco mniejszym kapita\u0142em.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Oprocentowanie:<\/strong> 6,6% w skali roku.<\/li>\n\n\n\n<li><strong>Kwota maksymalna:<\/strong> do 25 000 z\u0142.<\/li>\n\n\n\n<li><strong>Czas trwania:<\/strong> 90 dni.<\/li>\n\n\n\n<li><strong>Darmowe wyp\u0142aty:<\/strong> Bez limitu na w\u0142asny ROR w Nest Banku.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Naszym zdaniem:<\/strong> Je\u015bli dysponujesz kwot\u0105 do 25 tys. z\u0142, Nest Bank jest bezkonkurencyjny. Co wa\u017cne, Nest Konto (ROR) jest bezwarunkowo darmowe, wi\u0119c nie musisz si\u0119 martwi\u0107, \u017ce op\u0142aty za prowadzenie rachunku &#8222;zjedz\u0105&#8221; Twoje odsetki. Pami\u0119taj jednak, \u017ce aby otrzyma\u0107 6,6%, musisz zapewni\u0107 wp\u0142yw na konto (min. 2000 z\u0142) i by\u0107 aktywnym u\u017cytkownikiem karty.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/forgemag.pl\/money\/nest-konto-recenzja-opinie\/\" data-type=\"post\" data-id=\"178284\">Przeczytaj nasz\u0105 opini\u0119 o Nest Koncie<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Miejsce 3. Otwarte Konto Oszcz\u0119dno\u015bciowe (OKO) od ING<\/h3>\n\n\n\n<div class=\"wp-block-group has-small-font-size\" style=\"border-width:1px;margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50);padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-container-core-group-is-layout-ac091e9d wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-f054619f wp-block-columns-is-layout-flex\" style=\"margin-bottom:0px;padding-right:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"is-style-default wp-block-paragraph\" style=\"font-size:1.3rem\"><strong>Konto Direct<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-gutena-star-ratings gutena-star-ratings-block gutena-star-ratings-block-45055d-de align-right\" style=\"margin-top:0;margin-right:0;margin-bottom:-30px;margin-left:0;padding-bottom:0px;padding-left:0\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-full-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7z\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" style=\"fill:#0077ed\" class=\"gutena-empty-rating\" aria-hidden=\"true\"><path fill=\"none\" d=\"M0 0h24v24H0z\"><\/path><path d=\"M12 17l-5.878 3.59 1.598-6.7-5.23-4.48 6.865-.55L12 2.5l2.645 6.36 6.866.55-5.231 4.48 1.598 6.7L12 17zm0-2.344l2.817 1.72-.766-3.21 2.507-2.147-3.29-.264L12 7.708l-1.268 3.047-3.29.264 2.507 2.147-.766 3.21L12 14.657z\"><\/path><\/svg><\/div>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\" style=\"font-size:12px\">Ocena 4.0<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns has-small-font-size is-layout-flex wp-container-core-columns-is-layout-cb38399c wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-d822ebe3 wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:30%\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/Logo-ING-1024x683.jpg\" alt=\"Logo ING\" class=\"wp-image-178563\" title=\"\" srcset=\"https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/Logo-ING-1024x683.jpg 1024w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/Logo-ING-300x200.jpg 300w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/Logo-ING-768x512.jpg 768w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/Logo-ING-332x221.jpg 332w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/Logo-ING-664x443.jpg 664w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/Logo-ING-688x459.jpg 688w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/Logo-ING-1044x696.jpg 1044w, https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2026\/02\/Logo-ING.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-4b491eed wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-left:0;flex-basis:40%\">\n<ul class=\"wp-block-list\">\n<li>0 z\u0142 za prowadzenie<\/li>\n\n\n\n<li>0 z\u0142* \/ 10 z\u0142 za kart\u0119<\/li>\n\n\n\n<li>0 z\u0142 za przelewy<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-buttons-is-layout-82e8b811 wp-block-buttons-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-small-font-size has-custom-font-size wp-element-button\">OTW\u00d3RZ KONTO<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-292e1549 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Szczeg\u00f3\u0142y konta<\/summary>\n<p class=\"wp-block-paragraph\">Konto Direct w ING Bank \u015al\u0105ski to klasyczny rachunek oszcz\u0119dno\u015bciowo-rozliczeniowy (ROR) adresowany do klient\u00f3w indywidualnych.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Plusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li>Bezwarunkowy brak op\u0142at za prowadzenie<\/li>\n\n\n\n<li>Mnogo\u015b\u0107 bankomat\u00f3w Planet Cash i ING<\/li>\n\n\n\n<li>Rozbudowana aplikacja mobilna<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Minusy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li>Op\u0142ata za kart\u0119  (warunki)<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Us\u0142uga<\/th><th>Koszt<\/th><\/tr><\/thead><tbody><tr><td>Za\u0142o\u017cenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Prowadzenie<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Op\u0142ata za kart\u0119<\/td><td>0 z\u0142* \/ <strong>10 z\u0142<\/strong><\/td><\/tr><tr><td>Wyp\u0142aty z bankomat\u00f3w ING i Planet Cash<\/td><td>0 z\u0142<\/td><\/tr><tr><td>Wp\u0142aty we wp\u0142atomatach mBank i Planet Cash<\/td><td>0 z\u0142<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/www.ing.pl\/_fileserver\/item\/1000192\" target=\"_blank\" rel=\"noreferrer noopener\">Cennik us\u0142ug ING<\/a><\/figcaption><\/figure>\n<\/details>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Przeczytaj recenzj\u0119<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">ING to propozycja dla os\u00f3b, kt\u00f3re szukaj\u0105 z\u0142otego \u015brodka mi\u0119dzy wysokim zyskiem a nowoczesn\u0105 technologi\u0105 i pe\u0142n\u0105 swobod\u0105 w zarz\u0105dzaniu pieni\u0119dzmi.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Oprocentowanie:<\/strong> <strong>5,0%<\/strong> w skali roku (w ofercie \u201eBonus na start\u201d).<\/li>\n\n\n\n<li><strong>Kwota maksymalna:<\/strong> do <strong>200 000 z\u0142<\/strong>.<\/li>\n\n\n\n<li><strong>Czas trwania:<\/strong> <strong>3 miesi\u0105ce<\/strong> (92 dni).<\/li>\n\n\n\n<li><strong>Darmowe wyp\u0142aty:<\/strong> <strong>Bez limitu<\/strong> \u2013 wszystkie przelewy z OKO na Tw\u00f3j ROR w ING s\u0105 darmowe.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Naszym zdaniem:<\/strong> Konto oszcz\u0119dno\u015bciowe ING wraz z ROR w ING to dobry wyb\u00f3r, je\u015bli cenisz p\u0142ynno\u015b\u0107 i masz wi\u0119ksze oszcz\u0119dno\u015bci. Bank nie limituje liczby darmowych przelew\u00f3w mi\u0119dzy kontem oszcz\u0119dno\u015bciowym a ROR-em, wi\u0119c wycofujesz \u015brodki kiedy chcesz, bez op\u0142at i utraty odsetek. Du\u017cym plusem jest wysoki limit kwoty obj\u0119tej promocj\u0105 (a\u017c 200 000 z\u0142), co przy tej stawce czyni ofert\u0119 jedn\u0105 z najbardziej konkretnych na rynku.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 id=\"jak-powstaje-ranking-kont-bankowych-money-breaker\" class=\"wp-block-heading\">Jak wybieramy najlepsze konta bankowe? (metodologia rankingu)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Proces wyboru najlepszych kont bankowych opieramy na jasnej i konsekwentnie stosowanej metodologii, kt\u00f3rej celem jest rzetelna ocena realnych ofert dost\u0119pnych na rynku. Analizuj\u0105c konta osobiste oferowane przez krajowe instytucje finansowe, skupiamy si\u0119 na kilku kluczowych obszarach, kt\u00f3re maj\u0105 bezpo\u015bredni wp\u0142yw na codzienne korzystanie z rachunku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Czynniki rankingowe<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Koszty prowadzenia konta osobistego<\/li>\n\n\n\n<li>Op\u0142aty za kart\u0119 p\u0142atnicz\u0105<\/li>\n\n\n\n<li>Przelewy i operacje bankowe<\/li>\n\n\n\n<li>Wyp\u0142aty z bankomat\u00f3w<\/li>\n\n\n\n<li>Funkcjonalno\u015b\u0107 konta osobistego<\/li>\n\n\n\n<li>Aplikacja mobilna i bankowo\u015b\u0107 internetowa<\/li>\n\n\n\n<li>Us\u0142ugi dodatkowe i benefity<\/li>\n\n\n\n<li>Transparentno\u015b\u0107 warunk\u00f3w i regulamin\u00f3w<\/li>\n\n\n\n<li>Jako\u015b\u0107 obs\u0142ugi klienta<\/li>\n\n\n\n<li>Bezpiecze\u0144stwo \u015brodk\u00f3w i danych<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">W pierwszej kolejno\u015bci przygl\u0105damy si\u0119 kosztom zwi\u0105zanym z prowadzeniem konta osobistego, a w idealnym scenariuszu \u2013 ich ca\u0142kowitemu braku. Pod uwag\u0119 bierzemy nie tylko ewentualn\u0105 op\u0142at\u0119 miesi\u0119czn\u0105 za rachunek, lecz tak\u017ce koszty wydania i u\u017cytkowania karty p\u0142atniczej, op\u0142aty za przelewy, w tym standardowe przelewy krajowe, oraz prowizje pobierane przy wyp\u0142atach z bankomat\u00f3w. Tylko pe\u0142na analiza wszystkich tych element\u00f3w pozwala uczciwie oceni\u0107, kt\u00f3re konta bankowe rzeczywi\u015bcie s\u0105 tanie w codziennym u\u017cytkowaniu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">R\u00f3wnie istotnym aspektem jest funkcjonalno\u015b\u0107 konta osobistego i dost\u0119pno\u015b\u0107 us\u0142ug dodatkowych. Sprawdzamy m.in. liczb\u0119 bankomat\u00f3w dost\u0119pnych bez prowizji, mo\u017cliwo\u015bci oferowane przez aplikacj\u0119 mobiln\u0105 oraz intuicyjno\u015b\u0107 systemu transakcyjnego. Wiemy z do\u015bwiadczenia, \u017ce wygoda korzystania z bankowo\u015bci elektronicznej ma dzi\u015b kluczowe znaczenie, dlatego ten obszar odgrywa wa\u017cn\u0105 rol\u0119 w tworzeniu rankingu najlepszych kont osobistych.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zwracamy tak\u017ce szczeg\u00f3ln\u0105 uwag\u0119 na transparentno\u015b\u0107 warunk\u00f3w. Analizujemy, czy zasady prowadzenia konta, op\u0142aty i promocje s\u0105 jasno opisane, a regulaminy nie zawieraj\u0105 nieczytelnych lub wprowadzaj\u0105cych w b\u0142\u0105d zapis\u00f3w. Przejrzysto\u015b\u0107 oferty jest dla nas r\u00f3wnie wa\u017cna jak jej cena, poniewa\u017c tylko uczciwe i zrozumia\u0142e warunki daj\u0105 klientowi realne poczucie bezpiecze\u0144stwa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nie bez znaczenia pozostaje r\u00f3wnie\u017c jako\u015b\u0107 obs\u0142ugi klienta, kt\u00f3ra stanowi jeden z kluczowych element\u00f3w ko\u0144cowej oceny. Oczekujemy, \u017ce bankowo\u015b\u0107 b\u0119dzie nie tylko tania i funkcjonalna, ale tak\u017ce bezpieczna, a w razie problem\u00f3w klient otrzyma szybkie i kompetentne wsparcie. To w\u0142a\u015bnie po\u0142\u0105czenie koszt\u00f3w, funkcjonalno\u015bci, transparentnych warunk\u00f3w i poziomu obs\u0142ugi decyduje o tym, kt\u00f3re konto bankowe trafia na czo\u0142owe miejsca w naszym rankingu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><strong>Pami\u0119taj! <\/strong>\u017baden z bank\u00f3w, ani jakakolwiek inna firma nie maj\u0105 wp\u0142ywu na nasze decyzje i miejsce w rankingu! I cho\u0107 otrzymujemy prowizj\u0119 za polecenie to polecamy wy\u0142\u0105cznie te produkty i oferty, z kt\u00f3rych sami chcieliby\u015bmy korzysta\u0107.<\/em><\/p>\n\n\n\n<h2 id=\"na-co-zwrocic-uwage-przy-wyborze-konta-bankowego\" class=\"wp-block-heading\">Na co zwr\u00f3ci\u0107 uwag\u0119 przy wyborze konta bankowego?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mimo \u017ce sprawdzili\u015bmy wszystkie rachunki bankowe dla klient\u00f3w detalicznych prowadzone przez <a href=\"https:\/\/forgemag.pl\/money\/banki-w-polsce-lista\/\" data-type=\"post\" data-id=\"12052\">banki dzia\u0142aj\u0105ce w Polsce<\/a> i wybrali\u015bmy kilka tych, kt\u00f3re warto za\u0142o\u017cy\u0107, to nasze czynniki rankingowe mog\u0105 nie by\u0107 dla Ciebie wystarczaj\u0105ce.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je\u015bli chcesz wybra\u0107 najlepsze konto bankowe, zwr\u00f3\u0107 uwag\u0119, \u017ce sporym atutem, na kt\u00f3ry sami stawiamy, jest bezwarunkowy brak op\u0142at za rachunek. Ten czynnik mo\u017ce nie by\u0107 jednak najwa\u017cniejszy dla Ciebie, cho\u0107 wiemy, \u017ce do codziennych operacji finansowych, to w\u0142a\u015bnie brak op\u0142at jest niezwykle istotny. Zastan\u00f3w si\u0119, po co p\u0142aci\u0107 za konto bankowe w banku X, skoro bank Y posiada podobne rozwi\u0105zania, ale jest ca\u0142kowicie darmowy?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je\u015bli potrzebujesz us\u0142ug dodatkowych, prawdopodobnie b\u0119dziesz m\u00f3g\u0142 je zdoby\u0107 tak\u017ce w banku, kt\u00f3ry nie pobiera op\u0142at za prowadzenie konta. Niekt\u00f3re banki mog\u0105 oferowa\u0107 np. kart\u0119 wielowalutow\u0105, jednak wy\u0142\u0105cznie w przypadku rachunk\u00f3w p\u0142atnych. Ten czynnik mo\u017ce mie\u0107 dla Ciebie du\u017ce znaczenie, co tak\u017ce mo\u017cesz wzi\u0105\u0107 pod uwag\u0119.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Innym czynnikiem, na kt\u00f3ry powiniene\u015b zwr\u00f3ci\u0107 uwag\u0119, przed wyborem najlepszego dla ciebie konta bankowego, jest op\u0142ata za kart\u0119 lub mo\u017cliwo\u015b\u0107 rezygnacji z jej posiadania. Nie ka\u017cdy bank oferuje darmowe karty p\u0142atnicze i nie ka\u017cdy umo\u017cliwia rezygnacj\u0119 z niej np. na poczet karty wirtualnej.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Je\u015bli chcesz wybra\u0107 najlepsze konto bankowe, zwr\u00f3ci\u0107 uwag\u0119 przede wszystkim na:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>op\u0142aty za prowadzenie rachunku<\/li>\n\n\n\n<li>op\u0142aty za wydanie i u\u017cytkowanie karty p\u0142atniczej<\/li>\n\n\n\n<li>dost\u0119p do us\u0142ug dodatkowych, na kt\u00f3rych Ci zale\u017cy, w ramach umowy<\/li>\n\n\n\n<li>ilo\u015b\u0107 darmowych bankomat\u00f3w i wp\u0142atomat\u00f3w<\/li>\n\n\n\n<li>ilo\u015b\u0107 plac\u00f3wek oraz \u0142atwo\u015b\u0107 kontaktu z infolini\u0105<\/li>\n\n\n\n<li>funkcjonalno\u015b\u0107 aplikacji oraz serwisu transakcyjnego<\/li>\n\n\n\n<li>opinie innych klient\u00f3w!<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">To absolutne minima, aby\u015b m\u00f3g\u0142 dokona\u0107 odpowiedzialnego wyboru i finalnie za\u0142o\u017cy\u0107 najlepsze konto bankowe &#8211; takie, kt\u00f3re spe\u0142ni Twoje oczekiwania.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Czy na pewno potrzebujesz konta w banku?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Zanim wybierzesz najlepsze dla siebie konto bankowe, zastan\u00f3w si\u0119, po co w og\u00f3le chcesz za\u0142o\u017cy\u0107 rachunek osobisty i czy jest on Ci niezb\u0119dny. Je\u015bli robisz to, aby mie\u0107 \u0142atwy dost\u0119p do swoich \u015brodk\u00f3w i zale\u017cy Ci na szybkich p\u0142atno\u015bciach online oraz kart\u0105 lub BLIK, faktycznie konto bankowe to strza\u0142 w dziesi\u0105tk\u0119.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je\u015bli jednak powodem, dla kt\u00f3rego chcesz za\u0142o\u017cy\u0107 konto w banku, jest jedynie otrzymywanie wynagrodzenia za prac\u0119, to w takiej sytuacji mo\u017cesz po prostu z\u0142o\u017cy\u0107 u pracodawcy wniosek o wyp\u0142at\u0119 w got\u00f3wce i konto osobiste nie b\u0119dzie Ci realnie potrzebne. Pami\u0119taj, \u017ce w Polsce nie ma obowi\u0105zku posiada konta bankowego, wi\u0119c  nie musisz robi\u0107 tego na si\u0142\u0119.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Konto bankowe faktycznie u\u0142atwia codziennie p\u0142atno\u015bci za zakupy, dokonywanie przelew\u00f3w czy monitorowanie wydatk\u00f3w, jednak mo\u017ce stanowi\u0107 tak\u017ce pewne zagro\u017cenia, jak podatno\u015b\u0107 na cyberataki czy zbyt u\u0142atwiony dost\u0119p do kredyt\u00f3w, kt\u00f3re za pomoc\u0105 aplikacji mo\u017cesz zaci\u0105ga\u0107 w kilka minut. To w\u0142a\u015bnie niezwykle prosty dost\u0119p do zad\u0142u\u017cenia jest najwi\u0119kszym minusem posiadania konta w banku i musisz o tym pami\u0119ta\u0107.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Rodzaje kont bankowych \u2013 kt\u00f3ry rachunek wybra\u0107?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cho\u0107 mo\u017ce si\u0119 wydawa\u0107, \u017ce istniej\u0105 dwa g\u0142\u00f3wne rodzaje kont bankowych, jak konto osobiste i konto firmowe, to w praktyce wyb\u00f3r pomi\u0119dzy rachunkami jest znacznie szerszy, a wszystko zale\u017cy od Twoich potrzeb i preferencji. Do wyboru masz m.in.: klasyczne konto osobiste, konto studenckie, konto dla dziecka, konto walutowe, konto wsp\u00f3lne, konto oszcz\u0119dno\u015bciowe czy konto VIP (Private Banking).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Konto osobiste (ROR)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ROR, czyli rachunek oszcz\u0119dno\u015bciowo-rozliczeniowy, to podstawowy rachunek dla os\u00f3b prywatnych \u2013 s\u0142u\u017cy do otrzymywania wynagrodzenia, wykonywania przelew\u00f3w, p\u0142atno\u015bci kart\u0105, BLIKIEM czy wyp\u0142at z bankomat\u00f3w. I cho\u0107 w nazwie ma s\u0142owo &#8222;oszcz\u0119dno\u015bciowe&#8221; to w praktyce \u015brodki na nim przechowywane nie s\u0105 oprocentowane, jak np. na koncie oszcz\u0119dno\u015bciowym.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Konto studenckie<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Konto studenckie to rachunek ROR przeznaczony dla os\u00f3b w wieku 18\u201326 lat. Zwykle oferuje brak op\u0142at za prowadzenie i kart\u0119 bez konieczno\u015bci spe\u0142niania warunk\u00f3w wp\u0142yw\u00f3w. Trzeba jednak sprawdzi\u0107, co dzieje si\u0119 po przekroczeniu limitu wieku \u2013 banki zwykle automatycznie przekszta\u0142caj\u0105 konto studenckie w standardowe, co mo\u017ce wi\u0105za\u0107 si\u0119 z miesi\u0119cznymi kosztami.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Konto dla dzieci i m\u0142odzie\u017cy<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Konto dla dziecka \/ konto dla m\u0142odych to rachunek bankowy zak\u0142adany przez rodzica dla dziecka (cz\u0119sto od 6 lub 13 roku \u017cycia). Pozwala uczy\u0107 zarz\u0105dzania pieni\u0119dzmi, korzystania z karty czy aplikacji mobilnej pod kontrol\u0105 opiekuna. Zakres funkcji jest ograniczony, a dost\u0119p do \u015brodk\u00f3w zwykle wymaga zgody rodzica.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Konto walutowe<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Konto walutowe to rachunek bankowy przeznaczony do przechowywania i rozliczania \u015brodk\u00f3w w obcej walucie (np. EUR, USD, GBP). Przydatne dla os\u00f3b pracuj\u0105cych za granic\u0105, podr\u00f3\u017cuj\u0105cych lub dokonuj\u0105cych zakup\u00f3w w zagranicznych sklepach internetowych. Bardzo istotne s\u0105 tu spready walutowe, koszty przewalutowania, op\u0142aty za kart\u0119 oraz prowizja za wyp\u0142at\u0119 \u015brodk\u00f3w z bankomat\u00f3w.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Konto wsp\u00f3lne<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Konto wsp\u00f3lne to rachunek bankowy prowadzony dla dw\u00f3ch os\u00f3b (np. ma\u0142\u017conk\u00f3w lub partner\u00f3w). Obie strony maj\u0105 r\u00f3wny dost\u0119p do \u015brodk\u00f3w i historii transakcji. To dobre rozwi\u0105zanie do zarz\u0105dzania wsp\u00f3lnym bud\u017cetem domowym, ale wymaga zaufania \u2013 ka\u017cda ze stron mo\u017ce swobodnie dysponowa\u0107 pieni\u0119dzmi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Konto oszcz\u0119dno\u015bciowe<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Konto oszcz\u0119dno\u015bciowe nie s\u0142u\u017cy do codziennych p\u0142atno\u015bci, lecz do odk\u0142adania pieni\u0119dzy i generowania odsetek. Cz\u0119sto powi\u0105zane z kontem osobistym w tym samym banku. Najwa\u017cniejsze s\u0105 tu: realne oprocentowanie, limit kwoty obj\u0119tej promocj\u0105 oraz liczba darmowych przelew\u00f3w w miesi\u0105cu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Konto VIP \/ Private Banking<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Oferta skierowana do zamo\u017cniejszych klient\u00f3w, zwykle wymagaj\u0105ca wysokich wp\u0142yw\u00f3w lub du\u017cych aktyw\u00f3w w banku. W zamian klient otrzymuje indywidualnego opiekuna, lepsze warunki finansowe i dost\u0119p do dodatkowych us\u0142ug inwestycyjnych. Dla wi\u0119kszo\u015bci os\u00f3b to rozwi\u0105zanie zb\u0119dne, drogie i cz\u0119sto niedost\u0119pne z uwagi na wysokie limity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cz\u0119ste pytania o konta bankowe<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1698882376440\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Czy mo\u017cna mie\u0107 kilka kont bankowych?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Zdecydowanie TAK! Nie ma w Polsce przepisu, kt\u00f3ry uniemo\u017cliwia\u0142by posiadania 2, 5, a nawet 15 rachunk\u00f3w osobistych. Pami\u0119taj jednak, \u017ce aktywne korzystanie z kilku rachunk\u00f3w b\u0119dzie niezwykle trudne, a to oznacza, \u017ce realnie nie ma potrzeby posiadania kilku kont w r\u00f3\u017cnych bankach. Optymalnym rozwi\u0105zaniem, je\u015bli tego potrzebujesz, b\u0119d\u0105 2, maksymalnie 3 r\u00f3\u017cne konta bankowe.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1698882466017\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Czy ROR to to samo, co konto bankowe?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Tak! ROR to skr\u00f3t od rachunku oszcz\u0119dno\u015bciowo-rozliczeniowego. Ka\u017cdorazowo, gdy mowa o ROR, chodzi w\u0142a\u015bnie o klasyczne konto bankowe, prowadzone na potrzeby otrzymywania p\u0142atno\u015bci, dokonywania przelew\u00f3w, wp\u0142at i wyp\u0142at z bankomat\u00f3w oraz p\u0142atno\u015bci kart\u0105 lub BLIK-iem.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1698882562590\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Kt\u00f3re konto bankowe jest najlepsze?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Nie ma odpowiedzi na to pytanie! Bez wzgl\u0119du na rankingi, kt\u00f3re mo\u017cesz znale\u017a\u0107 w sieci, nie ma jednego najlepszego konta bankowego dla wszystkich. Rankingi, takie jak ranking kont bankowych od The Forge, s\u0105 obiektywnym spojrzeniem redaktor\u00f3w lub os\u00f3b tworz\u0105cych te zestawienia na konkretne produkty i us\u0142ugi oferowane przez banki oraz instytucje finansowe.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1698882671059\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Jak za\u0142o\u017cy\u0107 konto bankowe online?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Jest na to kilka sposob\u00f3w. Po pierwsze z po\u015bwiadczeniem to\u017csamo\u015bci u kuriera. Po wype\u0142nieniu wniosku na stronie banku, na Tw\u00f3j adres zamieszkania zostan\u0105 wys\u0142ane dokumenty, kt\u00f3re podpiszesz w obecno\u015bci pracownika firmy przewozowej.<\/p>\n<p>Innym sposobem jest potwierdzenie to\u017csamo\u015bci za pomoc\u0105 przelewy z innego banku. Ta metoda jest szybka, poniewa\u017c pozwoli na uruchomienie rachunki ju\u017c w kilka godzin od przes\u0142ania wniosku.<\/p>\n<p>\u015awietnym rozwi\u0105zaniem jest tak\u017ce <a href=\"https:\/\/forgemag.pl\/najlepsze-konta-na-selfie\/\">otwarcie konta bankowego na selfie<\/a>. Wystarczy wykona\u0107 zdj\u0119cie twarzy, zdj\u0119cie dowodu i uzupe\u0142ni\u0107 swoje dane. Algorytm por\u00f3wna Twoj\u0105 twarz ze zdj\u0119ciami w dowodzie, co umo\u017cliwi Ci za\u0142o\u017cenie rachunku ju\u017c w 15 minut.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1704279754496\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">W kt\u00f3rym banku najlepiej za\u0142o\u017cy\u0107 konto?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>W naszym rankingu kont osobistych wymienili\u015bmy najlepsze konta bankowe wg. naszych redaktor\u00f3w, co powinno u\u0142atwi\u0107 Ci podj\u0119cie decyzji, w kt\u00f3rym banku najlepiej za\u0142o\u017cy\u0107 konto.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1704279909978\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Jaki bank ma najni\u017csze op\u0142aty?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Aktualnie najni\u017csze op\u0142aty maj\u0105 Nest Bank, Raiffeisen Digital Bank, Citi Handlowy, mBank. Pami\u0119taj jednak, \u017ce banki co chwil\u0119 aktualizuj\u0105 swoje cenniki, a to oznacza, \u017ce w wyborze najta\u0144szego konta osobistego pomocny b\u0119dzie aktualny ranking kont bankowych.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770650105171\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Czy jest obowi\u0105zek posiadania konta w banku?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>W Polsce nie ma prawnego obowi\u0105zku posiadania konta w banku. Je\u015bli jednak wykonujesz prac\u0119 i chcesz otrzymywa\u0107 wynagrodzenie w got\u00f3wce, musisz z\u0142o\u017cy\u0107 u pracodawcy stosowny wniosek.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<div class=\"wp-block-feedbackwp-rating-widget\">\n    <!-- FeedbackWP Plugin --><div        class=\"rmp-widgets-container rmp-wp-plugin rmp-main-container js-rmp-widgets-container js-rmp-widgets-container--8418 \"        data-post-id=\"8418\">        <!-- Rating widget -->    <div class=\"rmp-rating-widget js-rmp-rating-widget\" role=\"group\" aria-labelledby=\"rmp-title-8418\">                    <p class=\"rmp-heading rmp-heading--title\" id=\"rmp-title-8418\">                Informacje by\u0142y pomocne?            <\/p>                        <div class=\"rmp-rating-widget__icons\">            <ul class=\"rmp-rating-widget__icons-list js-rmp-rating-icons-list\" role=\"radiogroup\" aria-label=\"Rating from 1 to 5\">                                                        <li                            class=\"rmp-rating-widget__icons-list__icon js-rmp-rating-item\"                            data-descriptive-rating=\"Nieprzydany\"                            data-value=\"1\"                            role=\"radio\"                            aria-checked=\"false\"                            aria-label=\"1 out of 5: Nieprzydany\"                            tabindex=\"0\"                    >                        <i class=\"js-rmp-rating-icon rmp-icon rmp-icon--ratings rmp-icon--star rmp-icon--full-highlight\" aria-hidden=\"true\"><\/i>                    <\/li>                                                        <li                            class=\"rmp-rating-widget__icons-list__icon js-rmp-rating-item\"                            data-descriptive-rating=\"Ca\u0142kiem\"                            data-value=\"2\"                            role=\"radio\"                            aria-checked=\"false\"                            aria-label=\"2 out of 5: Ca\u0142kiem\"                            tabindex=\"-1\"                    >                        <i class=\"js-rmp-rating-icon rmp-icon rmp-icon--ratings rmp-icon--star rmp-icon--full-highlight\" aria-hidden=\"true\"><\/i>                    <\/li>                                                        <li                            class=\"rmp-rating-widget__icons-list__icon js-rmp-rating-item\"                            data-descriptive-rating=\"Pomocne\"                            data-value=\"3\"                            role=\"radio\"                            aria-checked=\"false\"                            aria-label=\"3 out of 5: Pomocne\"                            tabindex=\"-1\"                    >                        <i class=\"js-rmp-rating-icon rmp-icon rmp-icon--ratings rmp-icon--star rmp-icon--full-highlight\" aria-hidden=\"true\"><\/i>                    <\/li>                                                        <li                            class=\"rmp-rating-widget__icons-list__icon js-rmp-rating-item\"                            data-descriptive-rating=\"Do\u015b\u0107 pomocny\"                            data-value=\"4\"                            role=\"radio\"                            aria-checked=\"false\"                            aria-label=\"4 out of 5: Do\u015b\u0107 pomocny\"                            tabindex=\"-1\"                    >                        <i class=\"js-rmp-rating-icon rmp-icon rmp-icon--ratings rmp-icon--star rmp-icon--full-highlight\" aria-hidden=\"true\"><\/i>                    <\/li>                                                        <li                            class=\"rmp-rating-widget__icons-list__icon js-rmp-rating-item\"                            data-descriptive-rating=\"Bardzo pomocne\"                            data-value=\"5\"                            role=\"radio\"                            aria-checked=\"false\"                            aria-label=\"5 out of 5: Bardzo pomocne\"                            tabindex=\"-1\"                    >                        <i class=\"js-rmp-rating-icon rmp-icon rmp-icon--ratings rmp-icon--star rmp-icon--full-highlight\" aria-hidden=\"true\"><\/i>                    <\/li>                            <\/ul>        <\/div>        <p class=\"rmp-rating-widget__hover-text js-rmp-hover-text\" aria-live=\"polite\"><\/p>                <button class=\"rmp-rating-widget__submit-btn rmp-btn js-submit-rating-btn\">            Wy\u015blij        <\/button>        <div aria-live=\"polite\" aria-atomic=\"true\">            <p class=\"rmp-rating-widget__results js-rmp-results \">                \u015arednia ocena <span class=\"rmp-rating-widget__results__rating js-rmp-avg-rating\">4.9<\/span> \/ 5. Liczba g\u0142os\u00f3w: <span class=\"rmp-rating-widget__results__votes js-rmp-vote-count\">74<\/span>            <\/p>            <p class=\"rmp-rating-widget__not-rated js-rmp-not-rated rmp-rating-widget__not-rated--hidden\">                Oce\u0144 wpis jako pierwszy            <\/p>            <p class=\"rmp-rating-widget__msg js-rmp-msg\" role=\"status\"><\/p>        <\/div>    <\/div>    <!--Structured data -->    <script type=\"application\/ld+json\">{\"@context\":\"http:\/\/schema.org\",\"@type\":\"CreativeWorkSeries\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"bestRating\":\"5\",\"ratingCount\":\"74\",\"ratingValue\":\"4.9\"},\"image\":\"https:\/\/forgemag.pl\/money\/wp-content\/uploads\/sites\/8\/2024\/10\/najlepsze-konta-bankowe-decider.jpg\",\"name\":\"Najlepsze konta bankowe w Polsce. Ranking kont osobistych wrzesie\\u0144 2026\",\"description\":\"Najlepsze konta bankowe w Polsce. Ranking kont osobistych wrzesie\\u0144 2026\"}<\/script>            <\/div><\/div>\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em>Ranking kont bankowych przygotowa\u0142 zesp\u00f3\u0142 redakcyjny The Forge. Pami\u0119taj, \u017ce w\u00a0<a href=\"https:\/\/forgemag.pl\/money\/\" data-type=\"page\" data-id=\"8840\">The Forge Money<\/a>\u00a0robimy wszystko, aby dostarcza\u0107 Ci tre\u015bci pomocnych w podejmowaniu najlepszych decyzji, a nasze artyku\u0142y, recenzje i analizy nigdy nie maj\u0105 charakteru reklamowego! I cho\u0107 mo\u017cemy otrzyma\u0107 prowizj\u0119 za polecenie, nie ma ona \u017cadnego znaczenia w dokonywanych przez nas wyborach.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"Ranking kont osobistych przygotowany przez The Forge wska\u017ce Ci najlepsze konta bankowe w tym miesi\u0105cu.","protected":false},"author":1,"featured_media":11426,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"csco_display_header_overlay":false,"csco_singular_sidebar":"disabled","csco_page_header_type":"default","csco_page_load_nextpost":"default","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-8418","post","type-post","status-publish","format-standard","has-post-thumbnail","category-banking","cs-entry","cs-video-wrap"],"_links":{"self":[{"href":"https:\/\/forgemag.pl\/money\/wp-json\/wp\/v2\/posts\/8418","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/forgemag.pl\/money\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/forgemag.pl\/money\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/forgemag.pl\/money\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/forgemag.pl\/money\/wp-json\/wp\/v2\/comments?post=8418"}],"version-history":[{"count":2,"href":"https:\/\/forgemag.pl\/money\/wp-json\/wp\/v2\/posts\/8418\/revisions"}],"predecessor-version":[{"id":180213,"href":"https:\/\/forgemag.pl\/money\/wp-json\/wp\/v2\/posts\/8418\/revisions\/180213"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/forgemag.pl\/money\/wp-json\/wp\/v2\/media\/11426"}],"wp:attachment":[{"href":"https:\/\/forgemag.pl\/money\/wp-json\/wp\/v2\/media?parent=8418"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/forgemag.pl\/money\/wp-json\/wp\/v2\/categories?post=8418"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/forgemag.pl\/money\/wp-json\/wp\/v2\/tags?post=8418"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}