If you’ve just moved to Poland, one of the first and most important tasks you’ll need to handle is opening a local bank account. Whether you’re working, studying, or settling in long-term, having a Polish bank account will make your life much easier.
In this guide, we’ll walk you through the process step-by-step, so you know exactly what to expect—even if you’re not fluent in Polish yet.
✅ Why You Need a Bank Account in Poland
A local bank account helps you:
- Get paid by your employer or receive government benefits
- Pay rent, bills, and other living expenses
- Avoid expensive foreign currency fees
- Use popular mobile apps and online services in Poland
📝 What You’ll Need to Open an Account
Here are the typical documents banks in Poland require:
- Passport or National ID
(If you’re an EU citizen, your national ID may be enough.) - Proof of Address in Poland
This can be:- A rental agreement
- Utility bill
- Registration document (zameldowanie)
- PESEL Number (optional but helpful)
Some banks may request your Polish identification number, especially for long-term residents. - Proof of Employment or Student Status
Not always required, but can help smooth the process.
🏦 Best Banks for Expats in Poland
Here are some popular banks known for being expat-friendly:
- mBank – Offers online registration and English interface
- ING Bank Śląski – Known for modern services and mobile banking
- PKO Bank Polski – Poland’s largest bank, with wide branch access
- Santander Bank Polska – Good for international transfers
- Alior Bank – Some branches have multilingual staff
Tip: Visit a central branch in a big city (Warsaw, Kraków, Wrocław) where staff are more likely to speak English.
💳 Types of Bank Accounts
- Konto osobiste (Personal Account) – For everyday use
- Konto walutowe (Currency Account) – For holding euros, USD, GBP, etc.
- Konto oszczędnościowe (Savings Account) – For saving money with interest
Start with a personal account for daily transactions, then consider a savings account if you want to build up funds.
🏁 Step-by-Step: How to Open the Account
- Choose Your Bank
Visit their website or a local branch to compare offers. - Make an Appointment (Optional)
Some banks allow walk-ins, but booking online may save you time. - Bring Required Documents
Prepare your ID, proof of address, and other documents listed above. - Sign the Paperwork
You’ll be asked to sign forms (available in Polish—ask for translation help if needed). - Receive Your Debit Card & Mobile App Access
Your card will be mailed to you or given on the spot. Most banks offer a mobile app to manage your account.
💬 Important Tips
- Ask if the bank offers English support or documentation
- Download the bank’s mobile app—it’s essential in Poland!
- If you’re under 26, some banks offer youth accounts with no fees
🎯 Final Thoughts
Opening a bank account in Poland may seem intimidating at first, but it’s actually a quick and straightforward process once you know the steps.
With the right documents and preparation, you can have your new account set up within a day—ready to use for shopping, bills, and everyday life.