In Polish: Produkty dodatkowe
This is the word you will see in bank documents.
Definition
Additional products are an account, a card, insurance and other services the bank offers with the loan in exchange for a lower margin or commission. Such bundling is allowed if the same loan is also available without the package. The bank must then also give you the information form for the offer without products.
What it means for you
A package lowers the instalment, but only as long as you meet its conditions. It pays off when the reduction in the instalment is greater than the cost of the products. An account and a card you use anyway usually pay off, while an expensive policy can eat up the whole reduction.
Full entry in Polish, with a worked example and sources Work out your instalment
Frequently asked questions
Are additional products worth taking with a mortgage?
They are when the reduction in the instalment exceeds their cost. An account and a card you use anyway usually are. A life policy only if the premium is lower than the reduction, or if you want such cover anyway.
What happens if I give up the additional products?
The bank raises the margin as set out in the agreement, but it may not terminate the loan for this reason. Ask for a calculation of the new instalment before you cancel.
Can the bank require an account with a mortgage?
It may require a free account used only to repay and service the loan. It may not impose an account with your salary paid in as a condition of the loan, but it may offer a lower margin for it.
Related terms
Definitions are simplified and reflect Polish law and bank practice as of October 2026. Where every word matters, the Act and your loan agreement decide. Figures in examples are indicative and are not a bank offer. The Polish version of each entry has worked examples and sources.
Other terms in “Loan costs and insurance”