WhatsApp: +48 729 308 990Open a Bank account in Poland for non-resident
Moving to Poland? Study in Poland ThinkNew has developed international banking alliances to help you stay connected to banking channels when you’re on the move. With our experience with helping students, professionals and families relocate across the world, we can help you structure and organize your finances to keep your peace of mind and stay connected to your bank with minimal disruption.
Open a bank account in Poland for non-resident
- Opening an account takes 1 day
- Convenient online banking and mobile applications
- Accounts in PLN, EUR, USD, GBP
- Multicurrency VISA cards
Do you want to open an account in a Polish bank?
Our company will help you to open an account in a bank in Poland and provide all needed support at all stages. We work with each client individually. Based on the wishes of the customer, we will help to choose the most suitable bank and open a bank account in Poland. It is possible to open an account for almost every non-resident, except citizens of sanctioned countries.
Polish banks and banking fees
| Bank name, logo, website and brief information |
Basic fees | Cost of our services |
|
ING Bank — https://www.ing.pl Account Currencies: PLN, USD, EUR, GBP Multi-currency VISA card with PayPass, Apple pay, Google Pay functions Internet banking, an app for smartphone and tablet |
Account maintenance – free of charge. bank card service – 1.68 euros per month receiving transfers – no fee Cash withdrawal on hand – € 2.20 per withdrawal Cash withdrawals at ATMs – 3% of the amount Transfer in EURO currency – 2.5 euro/transfer Transfer in USD currency – 9.6 euro/transfer |
With a personal arrival: 200 euros remotely: not possible |
|
Bank Pekao – https://www.pekao.com.pl Account Currencies: PLN, USD, EUR, CHF, GBP Multi-currency Mastercard card with PayPass, Apple pay, Google Pay functions Possibility of ordering VISA cards separately for each currency Internet banking, an app for smartphone and tablet |
Account maintenance – 1.40 euro per month. bank card service – 0.70 euro per month receiving payments – no fee Cash withdrawal on hand – no fee Cash withdrawals at ATMs – 2% of the amount Transfer in EURO currency – 2.30 euro/transfer Transfer in USD currency – 0.50% min 7 EUR max 59 EUR |
With a personal arrival: 200 euros remotely: not possible |
|
Millennium bank — https://www.bankmillennium.pl/ Account Currencies: PLN, USD, EUR, GBP VISA card with PayPass and Apple pay functions in PLN currency Separate Mastercard for EUR currency Internet banking, an app for smartphone and tablet |
Account maintenance – 1.90 euro per month. bank card service – 1.70 euro per month when you receive at least 240 euros per month and do at least 1 card payment per month, the above fees are not charged Cash withdrawals at ATMs – 2.5% of the amount receiving transfers – no fee Cash withdrawal on hand – no fee Transfer in EURO currency – 1.20 euro/transfer Transfer in USD currency – 0.5% min 4.70 euro max 30 euro |
With a personal arrival: 200 euros
remotely: not possible |
BANK BNP PARIBAS — https://www.bnpparibas.pl/ Account Currencies: PLN, USD, EUR, GBP Multi-currency MasterCard with PayPass function Internet banking, app for smartphone and tablet |
Account maintenance – free of charge bank card service – 1.70 euro per month Cash withdrawals at ATMs – 3% of the amount receiving transfers – no fee Cash withdrawal at the cash desk – 2.20 euros per withdrawal SEPA Transfer in EURO currency – 2.50 euro/transfer Transfer in USD currency – 0.20% of the amount, min. 7 EUR, max. 45 EUR |
With a personal arrival: 200 euros remotely: not possible |
|
PKO Bank Polski Account Currencies: PLN, USD, EUR, GBP, CHF, and others. Multi-currency VISA card with PayPass function Internet banking, an app for smartphone and tablet |
Account maintenance – free of charge. bank card service – 1.80 euros per month, or free of charge – if payments are made with the card for at least 66 euros per month. Cash withdrawals at ATMs – 3% of the amount receiving transfers – no fee Cash withdrawal at the cash desk – no fee SEPA Transfer in EURO currency – 0.25 Transfer in USD currency – 5.50 EUR per transfer |
With a personal arrival: 200 euros
remotely: not possible |
Bank account
Although you can use your card without any problems in Poland, it would be advised to create a Polish bank account. Using a foreign account for your reimbursement will result in additional costs because of the currency conversion.
If you decide to open a bank account in Poland, you should go to a bank with all the required documents. To avoid going to a bank a couple of times and extending the whole process, you can call a chosen bank’s helpline and explain your status (resident/non-resident) and ask about required documents, if the PESEL number is required, if there is an online banking system in English, if in all branches there is a possibility to speak to a consultant in English, and if you will be able to use all additional banking services.
Documents required by the selected banks in Poland (documents may change so it is best to consult with the helpline before going to a bank).
| Bank | Required documents |
| Alior Bank | EU citizens: passport / residence card (permanent/temporary) / identity card
Non-EU citizens: passport + residence card (permanent/temporary) |
| BGŻ BNP Paribas | EU citizens: identity card / passport Non-EU citizens: identity card/passport + residence card |
| BOŚ Bank | passport / identity card |
| Credit Agricole | EU citizens: identity card / passport
Non-EU citizens: residence card |
| eurobank | residence card (with photo, PESEL, and address) |
| Getin Bank | EU citizens: identity card/passport + residence card/certificate of registration of residence of an EU citizen
Non-EU citizens: passport + residence card |
| Idea Bank | passport / residence card |
| mBank | passport + residence card/certificate of registration of residence of an EU citizen
PESEL is required |
| Millennium | passport |
| Nest Bank | passport/identity card issued by an EU country PESEL is required |
| Raiffeisen Polbank | passport + residence card |
| Santander Bank Polska | EU identity card / passport / residence card |
| T-Mobile Usługi Bankowe | passport/residence / certificate of registration of residence of an EU citizen / identity card PESEL is required |
How to open a bank account in Poland for a non-resident?
Opening an account in a Polish bank remotely was recently possible and very convenient for foreigners. However, today it is necessary to come in person to Warsaw (Poland) in order to open an account. So, it is not possible to open an account remotely.
Each client can receive a multi-currency bank card, with which you can make purchases and pay for services offline and online, as well as use the card to work with different payment systems like PayPal, for instance. In the Polish bank, you can open an account in the national Polish currency, and also in the US dollars, Euros, British pounds, etc. Contact us to know more about needed documents and the whole procedure!
To open an account you must come in person to Warsaw, Poland. If you want to open it in one business day, you must come directly to the bank and open it on the spot. We will arrange a meeting with a bank manager on a specific date and time which you choose, and assist you during the process of account opening. It will take approximately 4 hours. After the meeting in a bank, you will receive login information and the bank accounts will be already active and ready to receive/execute money transfers. The bank card will arrive 7-10 days later if you do not have a postal address in Poland we are able to provide you with ours and send you a card by courier mail when we receive it.
How to choose a bank in Poland?
It is up to you which bank to open an account with. Each of the banks below has a wide network of branches in the country and is considered one of the largest and most reliable in Poland.
For greater convenience in managing your money, the use of the Internet banking service and special applications for mobile devices (phones, tablets, etc.) are suggested.
Mobile and tablet applications are enhanced and well protected so that customers can manage money anywhere in the world. Each outgoing money transfer must be confirmed with an SMS code that comes to a client’s mobile phone number.
Our company works with the five biggest Polish banks: ING Bank Śląski, Millennium bank, Bank BNP Paribas, Pekao Bank, PKO Bank Polski.
PKO Bank Polski – the oldest and largest bank in Poland, which was opened in 1919. It has the widest network of branches, ATMs in the country and at the same time does not lag behind other banks in terms of technology.
ING Bank Śląski is one of the largest commercial banks in Poland and a member of a huge Dutch financial group. It has been operating since 1989 and has about 400 branches. Since 1994, it has been listed on the Warsaw Stock Exchange. It participates in the deposit insurance system, works with pension savings. In terms of its significance, ING Bank ranks fourth in Poland.
Limits established by ING Bank for individuals’ personal bank accounts in Poland
There are restrictions when withdrawing cash from an ATM: no more than 10,000 zlotys can be withdrawn per day, which is about 2,300 euros.
ING clients can withdraw any amount from the account on hand, but by prior order. If the amount of the transaction will exceed 50,000 euros at a time, it makes sense to notify employees at the bank by phone.
Millennium bank
Works since 1989. Included in the structure of the huge financial holding of Portugal. It has a large number of ATMs and branches in every city in Poland. Foreigners will not be difficult to open an account in the Millennium bank, Poland. Limits of withdrawal are similar to the previous bank’s ones.
Pekao Bank
Formed in 1929 and is one of the oldest. On the territory of the country, there are 1000 branches.
In Poland, Pekao Bank is the first to start trading in the stock market. In terms of assets, it takes second place.
Each of the Polish banks represented is categorized as reliable. You can open bank accounts in any of them. Each of them works with foreigners (non-residents) and provides Internet banking services.
Attention should be paid to the conditions for opening accounts and cards, and the conditions for their further maintenance. Each bank in Poland has different conditions. It is also necessary to know that the concepts of an account and a card in a bank in Poland have a strict distinction.
First, you need to open an account, and then get a card as a possible way to access it. When transferring money, you must specify the account number, not the card number.
Opening a bank account in Poland means putting your capital in a safe place! Being anywhere in the world, freely manage your money through Internet banking and mobile applications.