Bank Account Wizard
Expat Essentials Poland

Compare Polish Banks

Compare all 12 major Polish banks side-by-side. Filter, sort, and find the perfect match for your needs.

Showing 12 of 12 banks

Revolut PL (Digital Only)

Digital nomads
Non-residents
10/10
Expat Score
Monthly Fee0 PLN (Standard), 29 PLN (Premium), 79 PLN (Metal)
English Support
PESEL Required
No
Online Opening
Yes
ATM NetworkPartner ATMs
Mobile App

Special Features:

  • No PESEL required (accepts non-residents)
  • 100% online opening in 10 minutes

mBank

Digital nomads
Tech-savvy users
9/10
Expat Score
Monthly Fee0 PLN
English Support
PESEL Required
Recommended
Online Opening
Yes
ATM Network7,000 ATMs
Mobile App

Special Features:

  • Award-winning mobile app
  • 100% online opening in 15 minutes (with PESEL)

Millennium Bank

High-net-worth individuals
Business owners
8/10
Expat Score
Monthly Fee0-25 PLN
English Support
PESEL Required
No
Online Opening
No
ATM Network5,000 ATMs
Mobile App

Special Features:

  • Accepts accounts without PESEL (rare)
  • Expat banking specialists

VeloBank

Digital nomads
Cashback rewards
8/10
Expat Score
Monthly Fee0 PLN (no conditions)
English Support
PESEL Required
Recommended
Online Opening
Yes
ATM NetworkPartner ATMs
Mobile App

Special Features:

  • Up to 50 PLN monthly cashback
  • No monthly fees (unconditional)

Citi Handlowy (Bank Handlowy)

U.S. expats
High-net-worth
8/10
Expat Score
Monthly Fee15-50 PLN (premium service)
English Support
PESEL Required
Recommended
Online Opening
No
ATM Network600 ATMs
Mobile App

Special Features:

  • Premium customer service
  • Historically expat-focused (U.S. citizens, Ukrainians)

ING Bank Śląski

Savers
High interest rates
7/10
Expat Score
Monthly Fee0 PLN
English Support
PESEL Required
Yes
Online Opening
No
ATM Network4,200 ATMs
Mobile App

Special Features:

  • Market-leading savings rates (7.0% APY)
  • Free SEPA transfers

Santander Bank Polska

International transfers
Business accounts
7/10
Expat Score
Monthly Fee0 PLN
English Support
PESEL Required
Recommended
Online Opening
No
ATM Network3,500 ATMs
Mobile App

Special Features:

  • Transparent currency conversion
  • Good for international businesses

PKO Bank Polski

First-time expats
Students
6/10
Expat Score
Monthly Fee0 PLN
English Support
PESEL Required
Recommended
Online Opening
No
ATM Network20,000 ATMs
Mobile App

Special Features:

  • Government-backed stability
  • Free basic account

BNP Paribas Bank Polska

Fee-free accounts
EU citizens
6/10
Expat Score
Monthly Fee0 PLN (with conditions)
English Support
PESEL Required
Recommended
Online Opening
No
ATM Network1,800 ATMs
Mobile App

Special Features:

  • 0 PLN monthly fee (with transaction activity)
  • Some video call onboarding for certain nationalities

Alior Bank

Business accounts
Innovative features
5/10
Expat Score
Monthly Fee0-10 PLN
English Support
PESEL Required
Yes
Online Opening
No
ATM Network2,500 ATMs
Mobile App

Special Features:

  • Innovative banking solutions
  • Competitive business loans

Nest Bank

Simple accounts
Fee-free banking
5/10
Expat Score
Monthly Fee0 PLN
English Support
PESEL Required
Yes
Online Opening
No
ATM NetworkPartner ATMs
Mobile App

Special Features:

  • Simple, straightforward accounts
  • No monthly fees

Bank Pekao

Large ATM network
Corporate services
4/10
Expat Score
Monthly Fee0-20 PLN
English Support
PESEL Required
Yes
Online Opening
No
ATM Network10,000 ATMs
Mobile App

Special Features:

  • Second-largest ATM network in Poland
  • Strong corporate banking