Banking
Poland — Banking: Best Banks
Main options for newcomers are PKO, Pekao, Bank Millennium and mBank; non-residents may find it hard to open accounts and monthly fees of PLN 15-20 are common.
VerifiedProfessional tax guide — not a government sourceWise – Opening a bank account in Poland (commercial source)Last reviewed: 2026-10-26
Why this matters
Relocating to Poland may require opening a local bank account for convenience and cost savings, but choosing the best bank can be confusing.
Key facts
- Bank Pekao offers personal accounts, cards, investment management and loans; its English website coverage is described as patchy.
- PKO is one of Poland's largest banks; some accounts open via its app, but verification without a branch visit may need a local ID.
- Bank Millennium offers app applications and the Millennium 360 account with cash back and no maintenance fee; digital onboarding may not be available depending on residency status.
- mBank is an internet and phone bank with deposit accounts, cards and relationship managers.
- A monthly account fee of PLN 15-20 is common, sometimes waived for the first six months or year; other-bank ATM and currency conversion fees also apply.
- Accepted documents are a passport or ID card plus proof of residence (a residence card or a rental contract); some banks do not offer products to non-residents.