Everything About PESEL
Your complete guide to understanding and obtaining a Polish PESEL number
What is PESEL?
PESEL (Powszechny Elektroniczny System Ewidencji Ludności) is Poland's national identification number, similar to a Social Security Number in the US or National Insurance Number in the UK. It's an 11-digit number that serves as your unique identifier in Poland's administrative system.
Example: 92022912345 (where each digit represents birth date, gender, and verification)
Why PESEL Matters for Banking
Faster Account Opening
With PESEL, banks like mBank and VeloBank can open accounts online in 15-30 minutes
More Bank Options
Most Polish banks strongly prefer or require PESEL for account opening
Better Interest Rates
High-yield savings accounts typically require PESEL to access best rates
Access to Credit
Loans, credit cards, and mortgages almost always require PESEL
Who Can Get PESEL?
How to Apply for PESEL
Required Documents:
- Valid passport or EU ID card
- Proof of residence in Poland (rental contract, zameldowanie, or utility bill)
- Residence permit (karta pobytu) if non-EU
- Completed application form (available at office)
Application Process:
- 1Visit Local PESEL OfficeGo to your local town/city hall (Urząd Miasta/Gminy)
- 2Submit DocumentsBring all required documents and fill out form
- 3Receive PESEL ImmediatelyYour number is usually issued on the spot (free of charge)
Banks That Can Help
PKO Bank Polski offers a unique service where you can apply for both a bank account and PESEL simultaneously. This can save time and simplify the process for newcomers.
How it works:
- 1. Visit a PKO Bank branch with all required documents
- 2. Bank representative will help you apply for PESEL
- 3. Once PESEL is issued, your account opening proceeds immediately
- 4. Total process: 1-2 days instead of separate visits
Opening Account Without PESEL
While challenging, it's not impossible. Here are your best options:
Millennium Bank
One of the few that accepts accounts without PESEL. Requires higher documentation and in-branch application.
Revolut PL
Digital-only option. No PESEL required. Can open in 10 minutes online. Great as temporary solution.
BNP Paribas
Sometimes accepts without PESEL, but policies vary by branch. Best for EU citizens.