Opening a bank account in Poland is one of the first practical steps for any foreigner settling here. You need it for salary payments, rent, and everyday life.
Here's a straightforward guide to the best options in 2026.
Why You Need a Polish Bank Account
Your employer requires a Polish IBAN for salary. Your landlord wants bank transfers for rent. Without a local account, daily life gets complicated and expensive.
Best Banks for Foreigners in 2026
🥇 Revolut — Best for Getting Started Fast
- No PESEL required to open
- App in English and Russian
- Free international transfers
- Virtual card issued instantly
- Perfect temporary solution while getting your documents
🥈 mBank — Best Traditional Bank
- Free account, no monthly fee
- App available in English
- Requires: passport + PESEL
- Accepts foreigners with Karta Pobytu
🥉 PKO BP — Most Common in Poland
- Largest bank in Poland — branches everywhere
- Best for cash withdrawals nationwide
- Requires: passport + PESEL + Karta Pobytu
Santander & ING
Both reliable options. Santander has English-language support. ING has a solid multi-language mobile app.
What Documents Do You Need?
💡 Revolut is the fastest way to get a working account — open it in 10 minutes from your phone while waiting for your PESEL.
How to Open an Account
Online (Revolut, mBank, ING)
- Download the app
- Enter your personal details
- Upload a photo of your passport
- Complete video verification
- Account activated — usually within a few hours
In-Branch (PKO BP, Santander)
- Book an appointment or walk in
- Bring all documents (originals)
- Fill in the application form
- Receive your card within 5–7 business days
Tips to Save Money
- Avoid airport currency exchange — rates are terrible. Use Revolut or Wise.
- Avoid ATM fees — Revolut gives free withdrawals up to a monthly limit.
- Check employer benefits — some Polish companies offer free bank accounts.
Frequently Asked Questions
Can I open a bank account without PESEL?
Yes — Revolut doesn't require it. Most traditional banks do. PESEL speeds things up significantly.
Can I receive salary without a Polish bank account?
Some employers can pay to a foreign IBAN, but most prefer a local account.
What if I'm refused?
Try Revolut first — fewest restrictions. If a traditional bank refuses you, it's usually a missing documents issue. Contact Legal Solution for help.
We Help Sort Out Your Documents
Getting PESEL, Karta Pobytu, and registered address — all the documents banks need — is what we do every day. Contact Legal Solution on WhatsApp.