Starting legal employment in Poland requires having a bank account where your employer can transfer your salary. Below you’ll find practical information that will help you open a bank account smoothly and without unnecessary stress.
Choosing a Bank
There are many banks operating in Poland — both nationwide institutions (such as PKO BP, mBank, Santander, ING, BNP Paribas) and smaller local banks. Our coordinator will be happy to help you choose the bank that best suits your needs. The right choice usually depends on:
- availability of branches and ATMs,
- access to online banking and a mobile app,
- costs of account maintenance and transfers.
Many banks offer accounts dedicated specifically to foreigners, with simplified procedures and customer service available in English. Currently, the most recommended banks for foreigners are:
1. Millennium Bank — easy account opening with a passport, English-language service, and clear, transparent fees. A great option for people who are just starting their life in Poland.
2. Santander Bank Polska — a wide network of branches across the country, English-speaking support, and solid international banking solutions. A good choice for longer stays in Poland.
3. mBank — a modern mobile app and online banking available in English. The account is often free of charge if simple conditions are met. Ideal for people who prefer digital financial management.
Documents Required to Open a Bank Account
To open a bank account in Poland, you usually need:
- a passport or an EU national ID card,
- occasionally: a PESEL number, an employment contract, or another document confirming your source of income (sometimes required).
For foreigners, the first visit to a bank branch is mandatory. Most formalities can be completed online, but you will still need to visit the branch in person to activate your account.
Account Opening Process
- Choose a bank and the type of account (usually a personal account for employees).
- Make an appointment at a branch or try applying online.
- Present the required documents.
- Sign the account agreement.
- Receive your debit card and access to online banking and the mobile app.
Account Maintenance Costs
Many banks offer free accounts, provided certain conditions are met (for example, a monthly salary transfer or active card usage). It’s worth asking about:
- monthly account fees,
- debit card fees,
- costs of domestic and international transfers,
- ATM withdrawal fees when using machines from other banks.
Online Banking and Mobile Apps
After opening your account, you will be able to use:
- online transfers — convenient payments and money transfers,
- a mobile app — quick access to your balance, transaction history, and cards,
- standing orders and direct debits — automatic bill payments.
Practical Tips
- If you do not speak Polish well, ask for the agreement in English.
- Your debit card works immediately after activation — you can withdraw cash and pay in stores.
- Always check transaction limits and fees in the bank’s terms and conditions.
Having a bank account in Poland makes everyday life much easier — receiving your salary, paying bills, shopping online, and managing daily expenses. It’s an important first step toward full financial integration in Poland.
