If you’re moving to Poland for work, study, or a new adventure, opening a local bank account will make everyday life much easier. From paying rent and receiving your salary to using mobile payments and avoiding foreign transaction fees, having a Polish bank account is essential for a smooth stay.

This guide covers everything you need to know, from understanding the local currency and banking system to choosing the right bank, preparing your documents, and helpful tips for newcomers.

Currency in Poland

Poland’s official currency is the Polish Złoty (PLN), symbolized as “zł.”
While the country is part of the EU, it has not adopted the Euro. Therefore, opening a local PLN account helps you avoid constant conversion fees and makes daily transactions much simpler.

Poland’s banking system is highly modern and integrated with the SEPA (Single Euro Payments Area) network. This means that you can still send or receive Euro payments efficiently across Europe, but having a local account ensures cheaper, faster domestic transfers and easy access to Polish financial services.

Best Banks in Poland for Newcomers

Poland has a mix of traditional banks with physical branches and newer digital banks with excellent online platforms. Here are some top picks for expats, students, and remote workers in 2026:

PKO Bank Polski

The largest and most established bank in Poland, PKO BP has an extensive branch and ATM network.

• Perk for newcomers: Offers multilingual customer service and a dedicated app in English.

• Why choose it? Reliable for both residents and non-residents, and excellent for those who prefer in-person banking.

mBank

Known for being one of Poland’s most digital-forward banks with smooth online services.

• Perk for newcomers: Fast account setup and English-language interface on the mobile app.

• Why choose it? Ideal if you want to manage your money entirely online and enjoy modern features like instant transfers.

Santander Bank Polska

A trusted European brand with strong local presence and English-speaking staff.

• Perk for newcomers: Easy-to-understand expat packages and integrated online banking tools.

• Why choose it? Perfect for professionals, international students, and anyone receiving money from abroad.

ING Bank Śląski

Highly regarded for its user-friendly digital tools and transparent fees.

• Perk for newcomers: English-language app and clear online guides for non-residents.

• Why choose it? Great for digital-savvy customers who prefer managing everything via smartphone or laptop.

Revolut / N26 (Digital Banks)

Although based outside Poland, both Revolut and N26 operate freely within the EU and are compatible with local payment systems.

• Perk for newcomers: Instant account setup and low-cost international transfers.

• Why choose it? Perfect for freelancers, digital nomads, or those staying short-term without needing a Polish address right away.

Documentation Needed

Requirements vary slightly by bank, but here’s what you’ll generally need to open a bank account in Poland:

1. Valid Passport or National ID – Essential for identification.

2. PESEL (Polish Identification Number) – Not always required, but helps with tax and local services.

3. Proof of Address in Poland – A rental contract, utility bill, or official residency registration (meldunek).

4. Visa or Residence Card (for non-EU citizens) – Confirms your right to stay in the country.

5. Proof of Employment or Income (optional) – Sometimes requested for salary or premium accounts.

6. Initial Deposit – Usually between 20–100 PLN to activate the account.

If you don’t yet have a PESEL or permanent address, some banks (like mBank or Revolut) offer non-resident or simplified accounts that can be upgraded later.

Tips for Opening a Bank Account in Poland as a Foreigner

• Check English support: While most online systems have English versions, in-branch staff may not always speak fluent English. Bring translated documents if possible.

• Start with an online bank: It’s faster and requires less paperwork while you’re settling in.

• Avoid unnecessary fees: Compare maintenance fees and card withdrawal costs — many banks offer free accounts if you make regular transactions or deposits.

• Bring printed copies: Banks often need physical copies of your ID, visa, and address proof.

• Register your address early: If you plan to stay long-term, obtaining a meldunek (residence registration) will simplify your banking and official paperwork.

• Visit during weekday mornings: Bank hours are typically 9 AM to 4 PM (Monday–Friday); mornings are less crowded.

• Use BLIK: Once you have your account, en1ish mobile payment system widely used for quick and secure transactions without a card.

Final Thoughts

Opening a bank account in Poland is an important step in establishing your financial independence while living there. The process has become much simpler in recent years, especially with the rise of digital banking.

Traditional banks like PKO, Santander, and ING offer strong local support, while mBank, Revolut, and N26 provide flexible, mobile-first solutions.

With the right documents and a little preparation, you can have your Polish bank account up and running in no time by making everyday life, payments, and transfers much smoother.