MyNomadWorld MyNomadWorld
Home › Poland › Banks

Banking in Poland

Best banks in Poland for expats & digital nomads

Opening a bank account is one of the first things you do after moving to Poland. Here are the accounts that work for newcomers and non-residents, plus the fintech we would set up before you fly.

How to open a bank account in Poland

A passport or ID and a Polish address are the basics; a PESEL number helps but is not always required. Some banks let non-residents open online, while others ask for in-branch verification.

Our top pick

Wise multi-currency account

Wise is the option we recommend for almost anyone moving to Poland: hold and convert 40+ currencies, get local account details to be paid like a local, and send money at the real exchange rate with low, transparent fees. It works before you even arrive, so you can receive income and pay deposits while your local account is still being set up.

Open a free Wise account →

Affiliate link: we may earn a commission at no cost to you. Wise is a fintech, not a bank; balances are safeguarded, not covered by deposit insurance.

Top banks in Poland

PKO Bank Polski

traditional
Largest bank, widest reach

State-controlled market leader with the biggest branch and ATM network.

Bank Pekao

traditional
Full-service traditional banking

One of Poland's oldest and largest banks; broad retail offering.

mBank

digital
English-speaking expats

Mobile-first bank with an English app and interface; popular with newcomers.

Santander Bank Polska

traditional
English support and international ties

Part of Santander group; English-language service available.

ING Bank Śląski

traditional
Strong online banking

Dutch-owned; well-regarded app and everyday accounts.

Bank Millennium

traditional
Everyday retail banking

Portuguese-owned retail bank with modern digital tools.

International accounts & neobanks

Revolut

Available EEA-wide; very widely used in Poland.

N26

N26 lists Poland as a supported country; euro account with a German IBAN.

Payoneer

Receiving accounts for freelancers in USD/EUR/GBP.

Bunq

Listed by bunq as a supported EEA country, though testers report signups are sometimes blocked.

Availability changes; confirm on each provider's site.

Next steps in Poland

See the full Poland tax, cost and visa profile, or compare Poland with other destinations. Not sure where to go yet? Take the finder quiz.