Debit payment cards

Debit payment cards

Which payment card you choose?

  • Virtual card or
  • Debit card with Poczta Polska logo
Order a card

Virtual card

A virtual card does not have a physical, plastic counterpart. The details of your virtual card will be available in the online banking service immediately after you have applied for one.

To start enjoying it, simply set a PIN for it online, and it will be ready for use! As your online security and satisfaction are our top priorities, the card comes with a free-of-charge online purchase protection plan and a membership in the Mastercard Priceless Specials benefits programme.

Your gains from a virtual card


No issuance fee is charged


It is issued and ready for use immediately after we receive your virtual card application


You can use it for secure online payments

  • It is easy to add to the Google Pay, Apple Pay, Garmin Pay, or Xiaomi Pay digital wallet on your phone, tablet, or watch
  • It enables quick and convenient contactless POS payments
  • You can use it to withdraw cash form any ATM in the world with a contactless withdrawal option
  • The monthly virtual card fee is PLN 4.99 only.

Free-of-charge online purchase protection plan

  • Up to PLN 6,000 coverage of items lost or damaged due to theft, fire or flooding within 30 days of purchase
  • One-year warranty extension for all household appliances and consumer electronics (e.g. your smartphone) worth up to PLN 6,000
  • Best price guarantee – an up to PLN 2,000 refund of the equivalent of the difference between the price paid for an item and the price of an identical item, if lower, within 30 days of purchase. In order for you to be eligible to claim the refund, the price difference must be PLN 200 or higher
  • For more information on the online purchase protection, visit this website.

Remember! To enjoy the free-of-charge purchase protection plan, register your card here. Your plan needs to be renewed every 12 months. You will be reminded by email to extend your protection for another year.

Debit card with Poczta Polska logo

A Mastercard payment card issued in partnership with Poczta Polska provides convenient access to your bank account. It is issued free of charge and enables secure payments in Poland and across the world. You can use it to withdraw cash or make deposits at a cash deposit machine at your convenience.

Your gains from Poczta Polska logo-bearing Mastercard® debit card


No issuance fee is charged


Convenient 24/7 access to your account, including free-of-charge cash withdrawals from selected ATMs


Free-of-charge cash withdrawals at any Bank Pocztowy branch or Poczta Polska outlet as well as from any ATM in Poland and abroad under a paid-for ATM service subscription


Contactless cash withdrawals from Euronet ATMs

  • Quick and convenient contactless POS payments
  • Cashback service enabling up to PLN 1,000 free-of-charge cash withdrawal when making a POS payment at a store, petrol station, or Poczta Polska outlet
  • Secure online payments
  • Optional Text Message Notification Service to enhance your control over your account, including any payment card transactions.

Debit card daily transaction limits:

Check the daily transaction limits applicable to your card. To change your transaction limits, sign into the online banking service, call our Helpline, or visit one of the Bank branches.

Go to the transaction limits schedule

How to order a card


Sign into the online banking service and submit a payment card application

What are Priceless Specials

Mastercard® Priceless® Specials is a loyalty programme for Mastercard cardholders.

Under the programme, you are rewarded points for any payment transaction you make using your Mastercard payment card (including for online payment transactions) on a daily basis. If the payee is a Mastercard® Priceless® Specials partner, you also earn extra points! Once your card is registered with the programme, points accrue automatically – you don’t have to do anything. 

When you have earned enough points, you can redeem them for attractive prizes listed in the Programme’s prize catalogue, including cinema tickets, event passes, shopping vouchers, in-kind prizes, or online streaming platform subscriptions. 

To learn more about the programme, click here

How can I activate my card?

You can activate your card in the Pocztowy24 online banking service.

To complete the activation process, you must enter your PIN on your first card transaction (your first card transaction cannot be an online or contactless transaction).