PKO Bank Polski API
🇵🇱 Poland
Independent reference page. BankSnipe is not PKO Bank Polski and is not affiliated with or endorsed by it. We don't collect logins, passwords or account details. The URLs below are listed as plain text (not clickable) — copy and paste them into your browser to reach PKO Bank Polski's official domains.
PKO Bank Polski exposes an open banking API built on the PolishAPI standard, covering account information (AIS), payment initiation (PIS) and confirmation of funds (CBPII). Beyond the regulated PSD2 baseline it also offers 4 premium API categories: real-time balances, statement reporting, bulk payments and direct debits & mandates.
Access uses OAuth 2.0 with redirect SCA, over a REST interface. A sandbox is available, though access is not self-service.
The API serves Poland. BankSnipe rates PKO Bank Polski's API maturity 5/5 (Mature), last reviewed 11 Jun 2026.
Overview
- API standard
- PolishAPI
- API style
- REST
- Authentication
- OAuth 2.0 · SCA: redirect
- Sandbox
- Available
- Last reviewed
- 11 Jun 2026 · 2 months ago
Products
Premium APIs
Maturity signals
- Account info (AIS)
- Payment initiation (PIS)
- Confirmation of funds (CBPII)
- Premium / beyond-PSD2 APIs
Links
- Website
- https://www.pkobp.pl
- Developer portal
- https://developers.pkobp.pl/en
Notes
Poland's largest bank implements the national PolishAPI standard, exposing Account Information, Payment Initiation and Confirmation of Availability of Funds via its developer portal, with a sandbox.
PKO Bank Polski API: frequently asked questions
Does PKO Bank Polski have a public API?
Yes. PKO Bank Polski publishes regulated PSD2 open banking APIs covering account information (AIS), payment initiation (PIS) and confirmation of funds (CBPII), plus premium APIs beyond that baseline. Registration and documentation live on its developer portal at https://developers.pkobp.pl/en.
Does PKO Bank Polski offer an API sandbox?
Yes. Sandbox access is available but not self-service, so you go through the bank to get in.
Which open banking standard does the PKO Bank Polski API use?
PolishAPI: Poland’s national open-banking API standard. Two banks on the same standard can still differ in the details, so read the bank's own documentation before you build.
How do you authenticate with the PKO Bank Polski API?
OAuth 2.0, with redirect SCA for the customer consent step. Production access to the regulated endpoints also means registering as a licensed third-party provider with the bank.
Does PKO Bank Polski offer premium APIs beyond PSD2?
Yes. We have recorded 4 premium categories on PKO Bank Polski: real-time balances, statement reporting, bulk payments and direct debits & mandates. These sit above the regulated PSD2 baseline and are the ones corporate treasury teams tend to care about.
Which countries does the PKO Bank Polski API cover?
Poland.
Is the PKO Bank Polski API free to use?
Banks generally do not charge licensed third-party providers for the regulated open banking endpoints, which is the point of the mandate. Premium APIs above that baseline are commercial products priced by the bank. BankSnipe does not track pricing, so confirm it with the bank.
How mature is the PKO Bank Polski API?
BankSnipe scores it 5 out of 5 (Mature). The score counts how many of the four product signals are live: AIS, PIS, CBPII and premium APIs beyond the regulated PSD2 baseline.