Opening a bank account in Poland is one of the first practical steps for anyone moving to the country, whether as an expat, student, EU worker, or migrant. Fortunately, Poland's banking sector is modern, well-developed, and includes several banks that actively cater to non-Polish speakers. This guide covers everything you need to know about banking in Poland in 2026.
Why You Need a Polish Bank Account
While you can technically get by with a foreign bank card for a while, a Polish account quickly becomes essential for:
- Receiving salary payments from a Polish employer
- Paying rent and regular bills (standing orders)
- Paying Polish taxes and social contributions (ZUS)
- Building a Polish credit history
- BLIK payments — Poland's widely used mobile payment system, only available with a Polish bank account
- Reducing currency conversion fees
Documents Required to Open an Account
Requirements vary by bank, but typically include:
For EU/EEA Citizens
- Valid passport or national ID card (dowód osobisty)
- Polish address (proof of address is sometimes required)
- PESEL number (highly recommended, though some banks allow opening without it)
For Non-EU Citizens
- Valid passport
- Residence permit (karta pobytu) or visa
- PESEL number (usually required)
- Polish address
Getting a PESEL Number
PESEL is Poland's national identification number, used in virtually all official dealings. EU citizens can apply for PESEL at any local urząd gminy/miasta (municipal office) by declaring their intention to reside in Poland. Non-EU citizens typically receive PESEL automatically with their residence permit. In 2026, PESEL applications can also be made online through the gov.pl portal for some categories of applicants.
Major Banks in Poland and Their Features
mBank
One of Poland's largest online-first banks. Excellent mobile app, competitive pricing, and good English-language interface. Personal accounts are typically free if you maintain regular incoming transfers. Offers a smooth account opening process, including an option to start online and complete verification via video call.
Best for: digitally comfortable users who want a modern, low-fee account.
Santander Bank Polska
Part of the global Santander group, which may be reassuring for expats from Spain, UK, or Latin America. Good branch network, English-speaking staff at many locations. The Konto Select offers fee waivers with a minimum income transfer.
Best for: Those who value a familiar international brand and branch access.
ING Bank Śląski
Popular for its straightforward fee structures and solid mobile banking. English-language support available. The Lion's Bank personal account has competitive terms with no monthly fee for regular incoming transfers.
Best for: Straightforward personal banking with good app functionality.
PKO Bank Polski
Poland's largest bank by assets, with the widest branch network in the country (crucial in smaller cities and rural areas). Traditionally oriented towards Polish-speaking customers, but improving English services. If you need extensive ATM access across Poland or plan to live outside major cities, PKO BP's network is unmatched.
Best for: Those living outside major cities or needing maximum physical branch access.
Pekao
The second largest Polish bank, part of the PZU Group. Strong corporate heritage. Good mobile banking capabilities. Widely available across Poland.
Best for: Customers who also need business banking or plan to start a company in Poland.
Revolut and Wise (Borderless Options)
While not traditional Polish banks, both Revolut and Wise offer Polish IBAN accounts and BLIK support in Poland. They can be opened entirely online without PESEL (in most cases). They are excellent transitional solutions while setting up formal Polish residency, or for international users who receive income in multiple currencies.
Typical Account Fees in Poland 2026
Most major Polish banks offer free current accounts provided you meet certain conditions:
- Free with minimum incoming transfer: Typically 1,000–2,000 PLN/month minimum incoming transfers (salary or other income)
- Unconditionally free: Some banks (mBank, ING) offer free accounts without minimum income requirements on selected plans
- Monthly fee if conditions not met: Typically 8–15 PLN/month
ATM withdrawals from the bank's own network are typically free; foreign ATM withdrawals may incur fees of 3–10 PLN per transaction.
Mobile Payments: BLIK
BLIK is Poland's homegrown instant mobile payment system and is ubiquitous. With BLIK you can:
- Pay in shops by entering a 6-digit code (no card needed)
- Withdraw cash from ATMs without a card
- Send money instantly to any Polish phone number
- Pay online for almost all Polish e-commerce sites
BLIK is available through virtually all major Polish banking apps. Ensuring your Polish bank supports BLIK is a significant quality-of-life factor.
Business Accounts for Sole Traders
If you are running a JDG (sole trader business), you are legally required to maintain a separate business bank account for transactions above certain thresholds, and in practice it is strongly advisable to separate personal and business finances. Most major banks offer business accounts specifically for sole traders at competitive rates. InFakt, the accounting software provider, also offers an integrated bank account for JDG users.
Tips for a Smooth Account Opening
- Get your PESEL number before approaching a bank — it dramatically simplifies the process
- Bring original documents (not copies); some banks accept photos but originals are more reliable
- Online application followed by branch verification is often the fastest route
- For non-EU citizens, bring your residence document and expect more thorough AML (anti-money laundering) checks
- Consider opening accounts at two banks initially — internet banking outages do happen
Manage your Polish finances: Once your account is set up, use the Liczbnik.pl Financial Calculators to plan budgets, compare savings accounts, and calculate loan payments — all in PLN.