Methodology

This is how we compare brokers in Poland: the same rules for everyone, with no influence from partners.

Version 1.0.0, 29 September 2026

Independence

We calculate costs and scores from data, the same way for every broker. Partnerships and ads don't change the order, the scores or the calculated costs, and there are no paid places in the ranking results.

Annual cost

We calculate what you'd pay the broker in the first year for a specific way of investing: order commissions, currency conversion, custody and account fees. We apply the fee schedule in force on the day, including minimum commissions and thresholds.

To score the cost we use typical scenarios:

Starter

1,000 zł a month · foreign ETFs · regular account

Active on the GPW

2,000 zł a month · GPW shares · regular account

Lump sum

50,000 zł one-off · foreign ETFs · regular account

The cost score depends on how much of the money paid in during the year goes on fees: the smaller the share, the more points. The bands are fixed, so a new broker in the comparison doesn’t change anyone else’s score. A scenario on a market the broker doesn’t offer doesn’t apply to it.

A scenario with an unknown cost earns nothing for that scenario only: when no scenario’s cost is known, the cost block reads “No data” and names the fee we’re missing, when only some are unknown it says how many next to the block’s score.

Every broker shows how many of its facts are confirmed, and its profile also shows how many of its score answers are.

When a broker doesn’t exchange currency and you fund the account in a foreign currency from your own bank, we show its fees marked “excluding currency exchange”: such a cost earns no points and takes no place in the cost order, because we don’t know the exchange at your bank.

We treat two other cases the same way, always for currency exchange only. When we find no exchange price in a broker’s documents, we calculate the cost from the other fees and mark it “excluding currency exchange”. When a broker publishes only the lowest exchange price, we count that price and mark the cost “at least”. In both cases the cost earns no points and takes no place in the cost order. When a commission, a custody fee or an account fee is missing, we still don’t calculate the cost.

In the ranking you can set your own scenario: amount, deposit currency, frequency and instruments. We then calculate the cost the same way.

What makes up the Broksy Score

The Broksy Score is one score for everyone. It is made of blocks with fixed weights, and each block asks simple questions every broker has an answer to. Only an answer confirmed by a source earns points.

Cost: Yearly cost in typical scenarios: commissions, currency conversion, custody and account fees.; 35%
Taxes: Whether the broker issues PIT-8C, gives an annual report or a trade export, and lets you sign W-8BEN online.; 25%
IKE and IKZE: Whether there is an IKE, an IKZE, and whether they can hold foreign ETFs.; 20%
Markets and convenience: Access to GPW and foreign exchanges, an account in złoty, support in Polish, fast deposits, a regular investing plan, fractional shares.; 15%
Safety: Guarantee of the cash on the account. The licence and investor protection are a condition for a score, not points.; 5%

Themed rankings are the same score: you filter brokers or sort by one block, for example by IKE and IKZE.

What the score means

Outstanding: from 8.5
Very good: from 7.0
Good: from 5.0
Basic: below 5.0

Data rules

A broker gets a score when a source confirms both its licence from an EU supervisor and its investor compensation scheme. The others are shown separately.
No data isn’t “no”. When we don’t know something, we say “no data”. In the score such a question earns no points until a source confirms it. Every broker shows how many of its facts are confirmed, and its profile also shows how many of its score answers are.
Every value has a source and a check date. Data checked more than 90 days ago is flagged and re-checked.
Today 1,548 of 2,674 facts about brokers have a stated source and a current check date. The rest are unknown or waiting to be confirmed or re-checked, and are marked as such.
We use brokers' own documents (fee schedules, terms), regulators' registers, legal acts and public sources such as NBP, the Minister of Finance and banks' own websites; closing prices come from a market data provider. For every fact about a broker that rests on a document we keep a copy of that document in our archive. Where a fee schedule names no currency conversion cost and we hold an account with the broker, we check it in the broker's app: we record only the buy and sell rate and the time we read them, and the cost is half the gap between the two rates relative to their midpoint. We also check some features in the broker's app, for example BLIK deposits or fractional shares: we record only "yes" or "no" and the time we checked. Such values are marked "checked by hand in the broker's app" with the date they were read, and are flagged as out of date only 180 days after that reading, since only we can check them again.
Spotted an error? Write to us and we'll fix the data and log the change.

Loan overpayment calculator

The calculator "Prepay the loan or invest?" compares prepaying a loan with investing the same money at equal outflow from your pocket: on both paths you pay the same amount every month, and at the end we compare net worth, that is, investments after tax and costs less the debt left. The money a prepayment frees (the instalment after the loan is repaid, a fee refund) is invested in the same account as in the comparison, within its yearly limit; what is over the limit goes to an ordinary account. The chart shows how much each path gives over the money lying idle at no interest, and investing as a band from the methodology's cautious to bold earning. The calculator doesn't take a safety cushion off: under the result it reminds you that guides usually advise first setting aside 6 months of expenses. Statutory constants and limits come from the facts' publication, NBP, GUS and BGK indicators from dated reads; an unknown rule gives "check the contract", never zero. We describe the result in one of three states against the break-even earning and the risk premium (5 percentage points), without a recommendation.

Changelog

1.0.029 September 2026First version of the methodology of the ranking and of the calculator "Prepay the loan or invest?". The calculator compares prepaying with investing the same money at once, shows what each path gains year by year, investing as a band from a cautious to a bold earning, and the break-even earning with monthly payments; it doesn't take a cushion off, it only reminds you of one. It opens with the one-off sum alone, without monthly payments: a monthly payment is added in the assumptions. A broker that doesn't exchange currency earns no points for the cost of a scenario in a foreign currency, and such a cost takes no place in the cost order: we don't know the exchange at the client's bank. We calculate the cost the same way when we don't know a broker's price of currency exchange or when the broker publishes only the lowest price: the cost is shown, but it earns no points and takes no place in the cost order. The assumptions of the review "OKI in numbers" (the typical plan, the assumed returns, the plan lengths and the stylised losing year) have their first version here too.