Cookies policy

The Cookies Policy (hereinafter: "the Cookies Policy") has been prepared in accordance with the obligations under the Act of 16 July 2004 (Telecommunications Law) (hereinafter: “Telecommunications Law”).

These obligations are similarly carried out throughout Europe as a result of the implementation of Directive 2009/136/EC of the European Parliament and of the Council of 25 November 2009 amending Directive 2002/22/EC on universal service and users' rights related to electronic communications networks and services, the Directive 2002/58/EC on the processing of personal data and the protection of privacy in the electronic communications sector and Regulation (EC) No 2006/2004 on cooperation between national authorities responsible for the enforcement of consumer protection laws.

In the Cookies Policy, we describe the types of cookies and other technologies used on (hereinafter: "Portal"), owned by Bank Gospodarstwa Krajowego (hereinafter: "BGK" or "Bank"). We also explain  the purpose of these files.

Please note that without  cookies or similar technologies on the user's device, you cannot  use the Portal. Therefore you consent to our use of cookies while browsing by means of the default browser settings (in accordance with Article 173 sec. 2 of the Telecommunications Law).

You may renounce the use of  such files at any time by configuring your browser settings.

By using the website, you consent to the use of cookies in accordance with this Cookies Policy.

This Cookies Policy consists of the following parts:

  1. What are cookies?
  2. What do we use cookies for?
  3. What kind of cookies do we use?
  4. How long is the data stored in cookies?
  5. Can I control cookies?
  6. How to delete cookies?

What are cookies files ?

Cookies are small text files placed in a selected folder of your browser, saved and stored on your computer, tablet or smartphone when you visit various websites on the Internet. While browsing the website, this type of file  on the device will send some information to the browser. Cookies are very common and used on almost all websites because they are very useful. They enable the website manager, among others, to determine whether the user has connected to the website from a given computer. A cookie file usually contains the name of the website it comes from, the "lifetime" of the cookie (i.e. its time of existence) and a randomly generated unique number used to identify the browser from which the website is connected. Cookies are used to improve operation of the website and to make it more attractive to the user, and may also be used for advertising purposes (as explained below).

What do we use cookies for?

We use cookies to better adjust the Portal to your interests and needs, to make it friendlier and more intuitive to use, and to enable the correct handling of the forms available on the Portal (e.g. search engines, etc.).

We also use cookies for analytical compilations, statistical purposes to check how often individual pages of our Portal are visited. These data help us understand how visitors use our Portal and help us improve its structure and content. We do not collect any personal data for this purpose.

Cookies can also be used to improve the performance of the Portal in your browser, enable correct operation and presentation of multimedia content (video, maps, some Flash animations). Cookies are also necessary for the proper integration of the website with social network services such as or

We also use cookies for advertising purposes to match the advertising message to the preferences of users, also for advertisements broadcast by external partners. Such information is anonymous and does not contain any personal information.

What cookies are used by

BGK uses several types of cookies:
Internal cookies - files placed and read from the user's device by the Portal's IT system.
External cookies - files placed and read from the user's device by the ICT systems of external portals.
BGK cooperates with external portals that may place cookies on user's devices. These are, for example, Google Analytics (statistical purposes), Facebook, YouTube (advertising purposes).
Session cookies - temporary cookies that remain on your device until you leave the Portal. These are files uploaded and read from the user's device by the Portal or external services during one session of a given device.
Persistent cookies - files that remain on your device for much longer, e.g. until they are manually deleted. These files are not deleted automatically after the end of the device session, unless the configuration of the user's device is set to the "deleting cookies after the end of the device session" mode. How long a cookie will remain on your device depends on the cookie's "lifetime" and your browser settings. Persistent files allow us, for example, to determine a new and returning user, thus enabling us to analyze the statistics of our Portal.
Some websites that you visit may also collect information using pixel tags (also known as clear gifs), which may also be made available to third parties who directly support our promotional campaigns and the development of the Portal. For example, information on the use of the website by visitors to the Portal may be made available to third parties, i.e. advertising agencies, in order to better position web advertising banners on our Portal.

How long is the data stored in cookies?

Session files remain on the user's device until logging out of the website or leaving the Bank's website. Persistent cookies are installed for a different period of time. They can be active for several days, months or years so that information, about e.g. how users have used the website, is not lost.

Can cookies be controlled?

Most web browsers are initially set to automatically enable cookies. You can change the settings so that cookies are blocked or that you are informed that they are being sent to your devices. There are many ways to manage cookies. Detailed information on how to adjust or change browser settings related to cookies can be found in the instructions of each web browser (or by displaying "help" in the browser).

If you block the cookies we use, it may degrade the quality of our Portal, for example, you may not be able to visit certain areas of the Portal or not receive personalized information while browsing. If you use different devices to browse the Portal (e.g. computer, tablet or smartphone), you must make sure that each browser on each device is properly adjusted to your preferences.

You can also delete any cookies saved so far at any time using the browser tools through which you use the Portal.

How to delete cookies?

  • Firefox:
  1. In the upper-right corner of the Firefox window, click Open menu (three horizontal lines) and select Options.
  2. Then select the Privacy tab.
  3. From the drop-down menu in the History section, select: Firefox: use user settings.
  4. Check Accept cookies to enable, uncheck to disable cookies.
  5. Select the storage period of cookies:
    Store: until they expire -  cookies will be deleted upon reaching the expiry date, which is determined by the website sending the cookie.
    Store: until Firefox is closed - cookies stored on your computer will be deleted when Firefox is closed.
    Store: ask me every time - each time a site tries to send a cookie, the browser will prompt you to decide whether to store the cookie.
  6. Close the options window to save the settings.
  • Google Chrome:
  1. In the upper right corner of the Google Chrome address bar, select Customize and control Google Chrome (three horizontal lines).
  2. Select Settings.
  3. Scroll to the bottom of the window and click Show Advanced Settings.
  4. In the Privacy section, click the Content Settings button.
  5. In the Cookies section you can change the following cookie settings:

Block attempts to put data from websites on your computer.
Block cookies and data from third-party sites: select the Ignore exceptions check box and block the creation of third-party cookies. Remember that this setting prevents most sites that require logging in from working.

  • Internet Explorer 9:
  1. In the browser window, click the Tools button, and then select Internet Options.
  2. Click the Privacy tab, then under Settings, move the slider to the highest position to block all cookies, or to the lowest position to allow all cookies, and then click OK.
  • Safari:

Choose Safari> Preferences, click Privacy, then do any of the following:
Change how you accept cookies and site data: Select one of the options next to Cookies and site data:
Always block: Safari doesn't allow websites, third parties, and advertisers to store cookies and other data on your Mac. This may prevent some websites from working properly.
From the current website only: Safari accepts cookies and website data only from the website you are currently viewing. Websites often contain embedded elements from other sources. Safari does not allow these third parties to store and access cookies and other data.
From websites you visit: Safari accepts cookies and website data only from websites you visit. Safari uses existing cookies to determine if the website has been visited before. Selecting this check box helps prevent your Mac from storing cookies and other data for sites that have embedded material from other sites.
Always allow: Safari allows all websites, third parties, and advertisers to store cookies and other data on your Mac.
Blocking cookies in the Safari browser on  iPhone, iPad or iPod touch.

  • Opera:

Cookie settings Settings> Preferences> Advanced> Cookies.
The cookie settings allow you to control the way cookies are handled. By default, all cookies are accepted.
The following options are available in Opera:
Accept cookies - all cookies are accepted (option set by default).
Accept cookies only from the website I visit - all cookies from domains other than the domain visited are rejected.
Never accept cookies - All cookies are rejected.

Please be advised that:
The Administrator reserves the right to change this Cookies Policy at any time without informing the users about it.
The changes made to the Cookies Policy will always be published on this subpage of the Portal.
The introduced changes enter into force on the date of publication of the Cookies Policy.