PKO Junior vs Moje ING mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PKO Junior
This app teaches children under 12 about managing their money with parental supervision. It offers interactive financial lessons, budgeting tools, and the ability to initiate transfers and set savings goals.
- PIN, fingerprint, or face recognition login
- Financial lessons with robot guidance
- Initiate transfers and phone top-ups (parental approval)
- Virtual piggy banks with savings goals
- Savings calculator with interest rates
- Rewards and badges for completing tasks
- Customizable app background
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Aplikacja PKO Junior jest stworzona dla dzieci do 12. roku życia, które mają PKO Konto Dziecka w PKO Banku Polskim. Uczy dzieci zarządzania budżetem w telefonie pod kontrolą rodziców. Dziecko z aplikacją: - loguje się wygodnie PIN-em, przez odcisk palca lub rozpoznawanie twarzy - uczy się o finansach z pomocą mówiącego robota, który daje mu wskazówki - inicjuje przelewy i doładowania telefonu, rodzic akceptuje je w swoim serwisie internetowym iPKO - może poprosić rodzica o zasilenie karty płatniczej - założy wirtualne skarbonki i określi cel, na jaki zbiera pieniądze, może je w dowolnym momencie doładować, edytować lub rozbić - skorzysta z kalkulatora oszczędności, który pozwala obliczyć, ile potencjalnie można zaoszczędzić z uwzględnieniem wysokości i regularności wpłat oraz aktualnego oprocentowania - otrzymuje nagrody i odznaki – może je dostać za wykonywanie zadań od rodziców - zmienia tło aplikacji i dostosowuje ją do siebie - łatwo się odnajdzie dzięki intuicyjnemu menu i stronie głównej Jeśli chcesz obsługiwać swoje konto i finanse w PKO Banku Polskim, pobierz aplikację mobilną IKO dla dorosłych – więcej na pkobp.pl
Moje ING mobile
Manage all your banking needs from your mobile device, including checking balances, making transfers, paying bills, and applying for loans. Features include biometric login, mobile payments, and a dedicated section for kids to learn about finance.
- Check account balance and history
- Biometric login (fingerprint, face recognition)
- Mobile payments and transfers (BLIK)
- Pay bills and set up standing orders
- Apply for loans and bank products
- Child accounts with parental supervision
- Savings goals and progress tracking
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Moje ING mobile received the Silver Laurel in the „Banking App 2025” category in the Invest Cuffs competition. With our Moje ING mobile app, you can do everything you would usually do in online banking on a computer – there’s no need to choose where to log in. All features are available in the app. What can you do in Moje ING mobile? • Check your account balance and transaction history, • Log in using a fingerprint, facial recognition, or a PIN, • Pay for purchases with your card stored in your phone, • Handle official matters using a trusted profile, • Top up your mobile phone, • Buy top-ups for Netflix, Spotify, and other multimedia platforms. You’ll find everything you expect from a bank: • Make transfers, pay bills, repay your credit card, and set up standing orders, • Set savings goals and track your progress, • Open accounts and deposits, apply for loans or other banking products, • Change card transaction limits. Moje ING means simple payments, deposits, and withdrawals: • BLIK code – pay for online and in-store purchases. You can also withdraw cash from ATMs and deposit cash at our deposit machines, including to your savings account (from age 13). • BLIK phone transfers – no need to enter the recipient’s account number; just provide their phone number. • Requests for BLIK phone transfers and bill splitting, making settlements easy (from age 13). Features available only in the app: • Dark mode – adjust the app’s appearance to your preferences (dark or light mode), • Account balance before login – display the amount or a percentage value, • Pre-login shortcuts – choose the functions that matter most to you and access them quickly, • Push notifications for payments, • Account balance preview on Apple Watch, • Parking payments – pay conveniently for parking in the app without looking for parking meters and only for the actual parking time, • Public transport tickets – buy tickets conveniently, anytime, and without waiting in queues. Security in the Moje ING mobile app Access to the app is protected by an individual 4-digit PIN, and entering the wrong PIN three times will block access to the app. Data related to accounts and other banking products are not stored in the phone’s memory, which increases data security in case the device is lost. Communication between the app and the bank’s systems is encrypted. ING is also a bank for children. Moje ING is available from the age of 6. With your supervision, your child will take their first steps in the world of finance and achieve their goals. To start using Moje ING for children, open an account for your child or order a prepaid card for them. With Moje ING, a child can: • Send a request to a parent for a standard transfer, a BLIK phone transfer, a transfer to a prepaid card or savings account – each request can be approved or rejected by the parent, • Send a money request to a parent, which the parent can approve or reject, • Learn how to save and manage their money, • Use Savings Goals to make their dreams easier to achieve, • Ask a parent to top up their account or prepaid card. Learn more about the Moje ING app at: https://www.ing.pl/aplikacja
Screenshots
Verdict
The clearest difference is review sentiment: PKO Junior at 100% against Moje ING mobile's 75%. Moje ING mobile's advantage is update cadence (fortnightly vs every 5 weeks). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
PKO Junior ships an update every 5 weeks, Moje ING mobile fortnightly. The most recent releases landed on November 2, 2026 and November 6, 2026 respectively.
| Parameter | PKO Junior | Moje ING mobile |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.8 (2.1K ratings) — better |
| Positive reviews | 100.0% of reviews — better | 75.1% of reviews |
| Number of ratings | — | 2.1K — better |
| Update frequency | Every 5 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Requires iOS | 15.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 108 MB | 224 MB |
| Age rating | 4+ | 4+ |
| Developer | PKO BP S.A. | ING Bank Slaski S.A. |
Customer experience
PKO Junior
Moje ING mobile
Bugs and requests
PKO Junior
Not enough reviews yet to summarise bugs or requests.
Moje ING mobile
Reported bugs
4 issues- Login issues
- Failed to retrieve data
- Compatibility problems with newer iOS versions
- Scrolling issues and unintended interactions
Requested features
5 requests- Add support for more languages
- Improve English translation
- Simplify navigation and layout
- Reduce advertising/promotional content
- Enhance transaction history and account overview
In-app purchases
PKO Junior
No in-app purchases
Moje ING mobile
No in-app purchases









