SETTING UP A BANK ACCOUNT
Establishing a Polish bank account allows you to avoid unfavorable currency conversion when receiving your salary, shopping in Poland and makes it easier to obtain a trusted profile (which will be an advantage when filing a PIT declaration).
As you can see, no bank requires a PESEL number but in any case a visit to the branch is required. It is best to contact the bank's hotline directly (every bank offers a conversation in English but you have to wait on line until the voiceover reads an option for English) ask what documents are required in addition to, for example, a passport, and make an appointment for such a visit to the branch so as not to wait in queues.
When you get a PESEL number you must immediately notify your bank to update your data.
Below you can find some examples of Polish banks where you can open a bank account.
|
No. |
Name |
Handling Costs |
PESEL required |
Helpline |
|
1 |
Bank Millennium |
PLN 0 if you make 1 card or Blik transaction (people aged 18-26) otherwise 5 PLN or 5 transactions with a payment card or Blik (people over 26 years old) otherwise PLN 11 |
No |
801 331 331 from landlines and cell phones (+48) 22 598 40 40 from cell phones and from abroad 24/7 |
|
2 |
Bank Pekao SA |
PLN 0, if: you provide monthly inflows to your account in the amount of min. PLN 500 and you will perform min. 1 card transaction (or PeoPay, Apple Pay) per month or you are under 26 years of age. |
No |
24/7 |
|
3 |
BNP Paribas |
the discount depends on the selected card to the account. The monthly fee for the card may be: PLN 0 for the "Karta Otwarta na Dzisiaj", if you are under 26 years of age or have made at least 3 non-cash transactions with the card (or Google Pay / Apple Pay), otherwise a fee of PLN 5. The commission for the “Karta Otwarta na Świat” is fixed and amounts to PLN 6, and the commission for the “Karta Otwarta na Świat Mastercard” is PLN 10. |
No |
+48 500 990 500 +48 22 134 00 00 24/7
|
|
4 |
Credit Agricole
|
FOR THE CARD: PLN 0 if: you will ensure monthly inflows to your account in the amount of min. PLN 1,000 and you will do min. 1 card transaction (or BLIK, Apple Pay, Google Pay) per month, otherwise PLN 9 FOR THE ACCOUNT: PLN 0 if: you will ensure monthly inflows to your account in the amount of min. PLN 1,000 and you will do min. 1 card transaction (or BLIK, Apple Pay, Google Pay) per month, otherwise PLN 7 In total PLN 0 or PLN 16.
|
No |
19 019 from abroad and from cells +48 71 35 49 009 weekdays 8 am - 8 pm.
|
|
5 |
Alior Bank |
PLN 0 if you make transactions with the card (or Apple Pay, Google Pay) in a given month for the amount of at least PLN 300. |
No |
19 502 (+48) 12 370 70 00 (+48) 799 608 502 Monday to Friday between 9.00 and 17.00
|
|
6 |
Santander |
FOR THE CARD: In order for the card to be for PLN 0, you must ensure that the account is credited with min. PLN 500 and make 1 transaction by card or BLIK. Otherwise, the fee for the account card will be PLN 8 FOR THE ACCOUNT: In order for the account to be for PLN 0, you must ensure that the account is credited with min. PLN 500 and make 1 transaction by card or BLIK. Otherwise, the account fee will be PLN 6. In total PLN 0 or PLN 14.
|
No |
1 9999 in Poland +48 61 81 1 9999 from abroad Monday to Friday between 8.00 and 20.00
|
|
7 |
mBank |
The fee will not be charged if you make non-cash transactions in each month with a value of at least PLN 350, otherwise PLN 7 |
Yes |
783 300 800 (+48) 42 6 300 800 24/7 |
|
8 |
City handlowy |
ATM withdrawals: PLN 0 for withdrawals from Citibank's own ATMs PLN 0 for the first 4 withdrawals from foreign ATMs in a month PLN 8 for other withdrawals from foreign ATMs in the month |
No |
+48 22 692 24 84 Monday to Friday between 8.00 and 21.00
|
|
9 |
|
You will not be charged if you make min. 5 card transactions (or BLIK, Apple Pay) otherwise PLN 10. |
No |
+48 800 302 302 Monday to Friday between 8.00 and 20.00 |
|
10 |
ING Bank Śląski |
PLN 0 if you make transactions with the card (or Apple Pay, Google Pay) in a given month for the amount of at least PLN 300 or PLN 200 if you are under 26 years of age. |
No |
+48 32 357 00 69 English daily 8:00-22:00 |