Personal banking facilities are provided by a large number of Polish Banks and several foreign banks with branches in Poland, including Citibank and ING Barings.

Internet banking services are becoming increasingly popular, with several virtual banks including MBank (operated by BRE Bank), Inteligo (operated by Poland's largest retail bank PKO BP), and Volkswagen Bank. Several other Polish banks also offer internet banking facilities. There are many ATM facilities in all cities and towns.

It is possible to open either a Polish currency or foreign currency bank account in Poland. To open an account foreign nationals will normally be required to show their passport and evidence of residence in Poland. Some banks require a minimum deposit.

Normal banking hours are from 9 a.m. to 4 p.m. Mondays to Fridays, and 9 a.m. to 1 p.m. on Saturdays. Opening hours are often shorter in smaller towns and rural areas.

Foreign currency can be easily exchanged at banks, travel agencies and some hotels. It is difficult to change traveller's cheques in Poland.

Credit cards are not widely used in Poland, but the major cards will normally be accepted in large hotels, restaurants and shops in the main cities.