How to analyze your Bank Pekao statement and find the leaks

Where money quietly leaks at Bank Pekao

Pekao is a full-service bank, and like every full-service bank its pricing is conditional. Most of the fees on a personal account are not fixed costs — they are what happens when a condition is not met. That is good news, because conditions can be met deliberately once you know which ones apply to you.

The pattern worth checking on your own statement, rather than in a table someone else wrote:

• The account or card fee that reappears. Most Polish current accounts waive the monthly fee if you receive an income transfer above a threshold, or pay by card a certain number of times a month. If the fee shows up in some months and not others, you are close to the threshold and missing it occasionally.
• Cash withdrawals outside the network. A single withdrawal from a machine belonging to another operator is a small amount. Repeated weekly, it becomes a subscription you never signed up for.
• Currency conversion. Any payment in a currency other than złoty carries a conversion cost, and paying in złoty abroad through the merchant's own conversion usually costs more than letting your bank do it.
• Standing orders that outlived their purpose. Insurance on an item you no longer own, a gym near an address you moved away from, a service you switched providers on but never cancelled.
• Card subscriptions on an account you rarely check. These are the most common single finding, and the easiest to fix.

Notice what this list does not contain: specific amounts. Fees change, and the ones that apply depend on which account package you hold and when you opened it. The reliable number is the one on your own statement, not an average.

What FLOW finds in a Pekao statement

Upload the CSV and FLOW does the reading. It groups every transaction into categories, then looks for the things a human eye slides past in a list of several hundred rows:

• Every recurring charge, sorted by what it costs you per year rather than per month — because 39 złoty a month is a different decision when you see it as an annual figure.
• Bank fees separated out from your actual spending, so the cost of holding the account is a visible number instead of noise mixed into the total.
• Subscriptions you have forgotten, including the ones charged under a payment-processor name rather than the brand you would recognise.
• Your fixed costs against your income, which is what determines how much room you actually have each month.
• How many months you could cover from your current reserve if the income stopped.

You get one report with the numbers ranked by size, and the first three actions worth taking. No bank connection to configure, nothing to install, no open-banking consent to sign.

Turning the report into recovered money

1. Cancel what you no longer use. Start at the top of the ranked list. Forgotten subscriptions are almost always the fastest win, and cancelling one takes minutes.
2. Meet the fee waiver conditions on purpose. If an account or card fee appears, find the income or card-payment threshold that removes it and decide whether meeting it is worth it for you.
3. Change your cash habits. If out-of-network withdrawal fees appear, use Pekao machines, withdraw larger amounts less often, and always let your own bank handle currency conversion.
4. Redirect what you recovered. Send the freed-up money straight to savings or your reserve, before it quietly leaks somewhere else.

FLOW is in early access, so you are ahead of the crowd, and your first report is free. Upload one statement and get one clear answer: what your Pekao account actually costs you.

See where your money is leaking, free ›