Compare the best Polish bank accounts for expats. From leading digital banks to international platforms. Updated March 2026.
Tax note for Poland: Poland taxes interest income at 19% (podatek Belki). The Polish deposit guarantee (BFG) covers up to 100,000 EUR equivalent per person per institution. Banks withhold tax on interest automatically.
Our pick for Poland
Wise — Real exchange rate, no hidden fees
Trusted by 16M+ people worldwide. Send, spend, and receive in 40+ currencies at the real mid-market rate. Multi-currency account with local bank details in 10+ countries. No monthly fees.
We evaluated banks available to expats in Poland based on monthly fees, card costs, ATM networks, foreign exchange markups, ease of account opening for non-Polish nationals, and app quality. Polish banks require a PESEL number for full access, though some can open accounts with just a passport for EU/EEA nationals.
What to look for as an expat in Poland
PESEL number -- Polish personal identity number required for most services. EU citizens can get a PESEL at the local urzad gminy (municipal office) usually within a day. Essential for banking, taxes, and healthcare.
BLIK -- Poland's popular instant payment system integrated into most Polish banking apps. Works for online payments, ATM withdrawals without a card, and person-to-person transfers. Requires a Polish bank account.
PLN vs EUR accounts -- Poland uses the zloty (PLN). If you receive salary in PLN, a local bank is essential. For EUR transactions, Wise or Revolut offer better exchange rates than traditional banks.
Cash still common -- While card payments are widespread, some smaller shops and markets still prefer cash. Choose a bank with good ATM coverage.
English-language banking -- mBank and PKO Bank offer English-language apps and customer support. N26, Wise, and Revolut are natively English-first.
Calculate your Poland salary first
Know exactly how much you take home after Polish income tax and ZUS contributions before deciding how to manage your money.