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Poland – Banking

Poland has a well-developed banking system, with a mix of local and international banks operating in the country. In this article, we will answer some key questions about banking in Poland.

Local Banks in Poland

The main local banks in Poland include:

  • Bank Pekao SA – Bank Pekao is one of Poland’s leading banks with a wide range of financial services.
  • PKO Bank Polski – PKO Bank Polski is one of the largest and oldest banks in Poland.
  • mBank – mBank is a digital bank in Poland known for its modern banking solutions.
  • Santander Bank Polska – Santander Bank Polska offers a wide range of banking products and services.

Major UK and USA Banks in Poland

There are several major UK and USA banks that have a presence in Poland, including:

  • Citibank – Citibank operates in Poland and offers a variety of financial services.
  • HSBC – HSBC serves customers in Poland with its international banking services.
  • Barclays Bank – Barclays Bank in Poland provides banking solutions for both individuals and businesses.

Accounts and Services for Expats

Many banks in Poland offer accounts and services specifically aimed at expats, including:

  • Multicurrency accounts: These accounts allow you to hold multiple currencies in a single account, which can be useful for international transactions.
  • Online banking: Most banks in Poland offer online banking services, making it convenient to manage your finances remotely.
  • English-speaking staff: Some banks have English-speaking staff who can assist expats in navigating the banking system.

Bank Opening Hours

Typical bank opening hours in Poland are from 9:00 am to 5:00 pm on weekdays, although some banks may have extended hours or be open on Saturdays.

Areas of Concern for Expats

Expats should be aware of the following areas of concern regarding the banking system in Poland:


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  • Language barrier: While many banks have English-speaking staff, not all do. It can be helpful to bring a translator or someone who speaks Polish when opening an account.
  • Fees: Some banks may charge fees for certain services, such as ATM withdrawals or currency exchange. Understand the fees associated with your account.

Opening a Bank Account

If you are an expat looking to open a bank account in Poland, follow these steps:

Step 1: Choose a Bank

Research different banks in Poland and select one that best meets your needs.

Step 2: Gather Required Documents

To open a bank account in Poland, you will need the following documents:

  • Passport or national ID card
  • Proof of address (e.g., utility bill)
  • Proof of income (e.g., pay stub or tax return)

Step 3: Visit the Bank

Visit the bank in person to open your account. Bring all the required documents with you.

Step 4: Fill Out Application

Complete the application for your chosen account type. You may need to provide additional information about your employment, residency status, or financial history.

Step 5: Wait for Approval

Wait for the bank to approve your application. The approval process may take several days to weeks.

Step 6: Activate Your Account

Once your account is approved, activate it by making an initial deposit.

Banking in Poland can be straightforward for expats if they conduct research and arrive prepared with the necessary documents. Be mindful of potential fees and language barriers, and consider choosing a bank with English-speaking staff for a smoother experience.


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