In Polish: Rekompensata za wcześniejszą spłatę
This is the word you will see in bank documents.
Definition
Early repayment compensation (rekompensata) is a fee the bank may charge when you repay a mortgage in full or in part before the due date. With a variable rate it is allowed only within 36 months of signing the agreement and up to 3% of the amount repaid. With a periodically fixed rate, the rules in the agreement apply, limited to the bank's costs.
What it means for you
Compensation can be the largest cost of an overpayment, sale or refinancing in the first years of the loan. If you can, plan a large repayment after 36 months of a variable-rate agreement or after the fixed period ends. Before signing, check whether the agreement provides for compensation at all.
Full entry in Polish, with a worked example and sources
Frequently asked questions
How much is early repayment compensation on a mortgage?
With a variable rate, at most 3% of the amount repaid and only within 36 months of signing. With a periodically fixed rate, as set out in the agreement, but no more than the bank's costs related to the repayment.
Is overpaying free after 3 years?
With a variable rate, yes, by law. With a periodically fixed rate, compensation is possible throughout the fixed period if the agreement provides for it.
Must the bank tell me the cost of early repayment?
Yes. At your request within 7 business days, on a durable medium. But it may not make accepting the repayment conditional on such a request.
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 “Repayment, overpayment and changes”