Bank Pocztowy (loans) vs Erste Bank Polska (loans): which is better? Comparison 2026

By our public methodology Bank Pocztowy (loans) scores 80 out of 100 and Erste Bank Polska (loans) scores 78. Below: the factors and facts where they differ, each fact with its source.

Consumer loans in Poland 2026: licensed banks ranked How we rank

2

Bank Pocztowy (loans)

80/100
3

Erste Bank Polska (loans)

78/100

Score breakdown

Bank Pocztowy (loans)Erste Bank Polska (loans)
Licence100100
Transparency8060
Cost5964
Service6590

Pros and cons

Bank Pocztowy (loans)

  • Long licence history
  • Licence confirmed by the official list or a stated licence number
  • Fees or full loan terms are readable without login
  • Publishes how to complain
  • An arrangement fee can apply

Erste Bank Polska (loans)

  • Long licence history
  • Licence confirmed by the official list or a stated licence number
  • Publishes how to complain
  • No arrangement fee in the standard terms

Facts side by side

FactBank Pocztowy (loans)Erste Bank Polska (loans)
Licensed since1990 pocztowy.pl1989 erste.pl
Licensed by the regulatorYes knf.gov.plYes knf.gov.pl
Published rate, % of country reference82% pocztowy.pl122% erste.pl
Free early repaymentNot verifiedYes erste.pl
No arrangement feeNo pocztowy.plYes erste.pl
Fees or terms publishedYes pocztowy.plNot verified
Complaints procedureYes pocztowy.plYes erste.pl
Online application for new customersYes pocztowy.plYes erste.pl
Support hours a week82 h pocztowy.pl168 h erste.pl
Maximum amount, % of country reference100% pocztowy.pl100% erste.pl
Longest term60 mo pocztowy.pl120 mo erste.pl

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