Opening a bank account in Poland


Can foreigners open a bank account in Poland? What are the relating formalities? Find out in this article.

If you are working or you have set up a business in Poland, opening a bank account will be one of your priorities. This should not be complicated as the country hosts several national and international banks within a developed banking system. But of course, make sure to inquire on relating formalities beforehand as conditions may vary from one bank to another.

Banking system

Some banks are restricted to Pole residents only while others are open to non-residents as well. Regardless of the bank, procedures are not so complicated. In general, most banks offer the following worldwide services: withdrawal at the counter, ATM machines, debit and credit cards, checkbooks, bank transfers, etc. Note, however, that monthly fees of 15 to 20 new zloty apply.

 Good to know:

Fees also apply to transactions such as online banking, direct debit, online banking and credit cards. These usually vary from one bank to another.


To open a bank account in Poland, you are required to produce the following documents:

  • a valid identity card or passport
  • your resident card
  • proof of residence.

Other documents such as your employment contract may also be requested, depending on the bank.

European students are entitled to some facilities such as reduction of charges. Indeed, monthly fees apply at a discounted rate while online banking is free of charge, etc. In all cases, conditions differ from one bank to another.


You are likely to find some 20,000 ATMs around the country. Each bank has its own ATMs. Note that additional fees apply to withdrawals performed on other banks' ATMS.

On the other hand, you will be eligible to prepaid cards and a smart phone app which will allow you to make instant withdrawals or access to public transport and cinema halls without having to use your bank card.


The following are the most popular banks in Poland: Narodowy Bank Polski which is the National Bank of Poland, CitiBank, PKO BP, Bank PBH, ING Bank Slaski, BNP Polska and Getin Banque SA. Many international banks such as BNP Paribas also have branches in the country.

 Good to know:

Most bank forms and online banking systems are available in English. Moreover, most banks have bilingual staff who speak both Polish and English.

 Useful links:

Narodowi Bank Polski (NBP) – Poland National Bank
NBP – List of Polish Banks
Ministry of Finance – Polish Banking System

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Compared to other European countries, Poland provides many accommodation options for expats at affordable prices.
Being the second biggest Pole city, Krakow is a major economic hub, providing many opportunities for expatriates who wish to settle there.

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