PKO Junior

PKO Junior is an engaging mobile app designed for children up to 12 years old who have a PKO Children's Account at PKO Bank Polski. It empowers kids to learn money management under their parents' supervision through features like convenient login with PIN, fingerprint, or face recognition; contactless payments by phone; and a talking robot that offers financial tips.

Children can initiate transfers and phone top-ups requiring parental approval, create and manage virtual piggy banks for saving toward specific goals, and utilize a savings calculator to project potential earnings based on amount, frequency, and interest rates. The app rewards kids with badges for completing parental tasks and allows customization like changing backgrounds. PKO Junior provides a safe, educational, and user-friendly environment to build financial literacy from an early age, while parents maintain control via the iPKO website.