Cookies policy

This cookie policy (hereinafter: Cookie Policy) has been drawn up in observance of the obligations imposed by the amendment to the Telecommunications Law of 16 July 2004 (hereinafter: Telecommunications Law) that entered into force on 22 March 2013.
The aforementioned obligations are of similar nature throughout Europe, as they stem from the implementation of a European Union directive.

This Cookie Policy describes various types of cookie files and other technologies that are used by the website owned and operated by Bank Gospodarstwa Krajowego (hereinafter: Portal). We also provide explanations as to what the cookie files are used for.
We wish to draw your attention to the fact that without relying on cookies and/or similar technologies that interact with the end user’s device, we are not able to ensure your use of our Portal. In consideration of the above, by accepting the default settings of your web browser, you allow us to rely on cookie files while using the website (pursuant to Article 173(2) of the Telecommunications Law).

You may decide, at any time, not to use this type of files any longer by configuring your web browser settings accordingly.
By using the website, you agree to the use of cookies in accordance with this Cookie Policy.

This Cookie Policy comprises the following chapters:
1. What are cookie files?
2. What do we use cookie files for?
3. What types of cookie files do we use?
4. How long is data stored in cookie files for?
5. Can cookie files be managed?
6. How to delete cookie files?

What are cookie files?

Cookies are small text files which are placed in a specific folder of your web browser, or saved and stored on your computer, tablet or smartphone when you visit various websites. When you browse a specific website, a cookie file stored in the device will send specific information to the browser. Cookies are very common and are used by virtually all websites, as they are extremely useful. They allow the website administrator, inter alia, to determine whether a given computer (and most likely its user) has already visited the website in the past. A cookie usually contains the name of the website of its origin, the "lifespan" of the cookie (its expiry date) and a randomly generated, unique number allowing to identify the browser used to connect with the website. Cookies are used to facilitate the operation of websites and to make them more attractive for the user. They may also be used for advertising purposes (as explained below).

What do we use cookie files for?

We use cookies to ensure that the Portal is more user friendly, that it may be used in an intuitive manner, that is better matched to your needs and interests, and to ensure that the forms available via the Portal operate properly (e.g. search engines, etc.).

Cookies are also used for analytical compilations, statistical purposes and to verify how often the individual pages of our Portal are visited. These data allow us to better understand the manner in which our Portal is used by visitors and enable us to improve its structure and content. No personal data are collected in connection with the above.

Cookie files may be also relied upon to improve the efficiency of our Portal in your browser, and allow multimedia content (videos, maps, some Flash animations) to operate and be presented in the correct manner. Cookie files are also required to properly integrate the website with social media sites, such as or

We also use cookie files for advertising purposes, to ensure that the ads presented match the users’ preferences. They are also used in ads provided by external partners. Information of this type is anonymous and does not contain any personal data.

What kinds of cookies are used at

BGK uses several types of cookie files:

  • First party cookies - files stored in and read from the user’s device by the Portal’s ICT system.
  • Third party cookies - files stored in and read from the user’s device by the ICT systems of outside Portals.

BGK cooperates with outside Portals that may place cookie files on the user’s devices. These include, inter alia, Google Analytics (statistical purposes), Facebook, YouTube (advertising purposes).

  • Session cookies - temporary cookie files that are stored on your device until you leave the Portal. These files are stored in and read from the user’s device by the Portal or by external websites during a single session established by a given device.
  • Permanent cookies - cookies that are stored on your device for much longer, or until they are deleted manually. These files are not deleted automatically after the session with a given device ends, unless the browser is configured to “delete cookies after the end of the session”. The period of time over which a given cookie file will be stored on your device depends on the “lifespan” of that cookie and on the settings of your web browser. Permanent cookies allow us to identify new and returning users, therefore enabling us to analyze statistical data concerning our Portal.
  • Some websites that you visit may also collect information via pixel tags (also known as clear gifs) that may be made available to third parties that directly support us in conducting our promotional campaigns and in developing our Portal. For example, information about the manner in which a website is used by those visiting the Portal may be made available to third parties, e.g. advertising agencies, to improve the positioning of advertising banners used on our Portal. 
How long is data stored in cookie files for?

Session files remain on the user's device until the visitor logs out from the website or leaves the Bank’s website. Permanent cookie files are installed for varying periods of time. They may remain active for several days, months or years, ensuring that information about the manner in which the website was used by the visitors is not lost.

Can cookie files be managed?

The majority of web browsers are set up, by default, to automatically enable the use of cookies. You may change the settings of your browser, requiring it to block cookies or to inform you that cookie files are stored on your device. Cookie files may be managed in a variety of ways. Detailed information on changing or adapting cookie-related settings of your browser is available in the operating manual of each web browser (or under the browser’s “Help” tab).

If you decide to block the cookies we use, the quality of our Portal may deteriorate. For instance, you may be refused access to certain portions of the Portal, or you will not be able to receive personalized information while visiting these. If you use various devices to view the Portal (e.g. computer, tablet or smartphone), you need to make sure that all browsers on all of your devices are configured according to your personal preferences.

You may also delete all cookie files stored in your browser, at any time, by changing the relevant settings of the browser you rely upon while using the Portal.

How to delete cookie files?

 Tips for Firefox users:

1. Open the menu in the upper right corner of the browser screen (three horizontal dashes) and select Options.
2. Then choose the Privacy tab.
3. From the drop-down menu of the History section, select: Firefox will: use custom settings.
4. Check or uncheck the Accept cookies box to turn cookie support on or off, respectively.
5. Choose the cookie retention period:

  • Keep: until they expire - cookies will be deleted after its expiry date determined by the website generating the cookie has been reached.
  • Keep: until I close Firefox - cookies stored in the computer will be deleted after Firefox shuts down.
  • Keep: ask me every time - whenever a website attempts to store a cookie, the browser will display a window requesting the user to decide whether it should be accepted.

6. Close the options window to store the settings.

Tips for Google Chrome users:

1. In the upper right corner of Google Chrome window, next to the address bar, select Google Chrome adjustments and settings (three horizontal lines).
2. Select Settings.
3. Scroll to the bottom of the window and click Show advanced settings.
4. In the Privacy section, select Content settings.
5. The following settings may be changed in the Cookies section:

  • Block sites from placing data on the computer.
  • Block third party cookies and data: check the box labeled Ignore exceptions and block the creation of third party cookies. Remember that this setting will prevent you from using the majority of sites that require you to log in.

Tips for Internet Explorer 9 users
1. Click Tools, and then select Internet settings.
2. Click the Privacy tab, and then in the Settings area move the slide to its uppermost position to block all cookies, or to its lowermost position to accept all cookies. Then click OK.

Tips for Safari users

Click the Safari menu > Preferences, then select Privacy and perform one of the activities described below:
Changing preferences concerning cookies and website data: Select one of the options available next to Cookies and website data:

  • Block all cookies: Safari does not allow websites, third parties of advertisers to store cookie files and other data on your Mac. This may prevent some websites from operating properly.
  • Only from current website: Safari will accept cookies and website data from the website that is currently displayed only. Websites often contain embedded elements originating from other sources. Safari does not allow thirds parties to store or access cookies and other types of data.
  • From visited websites: Safari accepts cookie files and website data only from those websites that you visit. Safari uses the existing cookies to determine whether a given website has already been visited by you. By checking this box, you prevent Safari form storing cookies and other data originating from websites that contain embedded content from other websites.
  • Always allow: Safari allows all websites, third parties and advertisers to store cookies and other data on your Mac.

Blocking cookies in Safari on iPhone, iPad or iPod touch

Tips for Opera users
Cookie settings: Settings > Preferences > Advanced > Cookies.
Cookie settings allow you to control the manner in which cookies are handled. By default, all cookies are accepted.
Opera offers the following options:
Accept cookies - all cookies are accepted (default option).
Accept only cookies from the site that I visit - all cookies originating from domains other than the one that is visited are rejected.
Never accept cookies - all cookies are rejected. 


The administrator reserves the right to amend this Cookie Policy at any time, without the need to communicate that fact to the users.

Any amendments introduced to this Cookie Policy will always be published on this website.

The amendments shall enter into force on the date of publication of the Cookie Policy.