Opening a bank account in Poland as a UK citizen has become a common necessity for many individuals, whether for work, study, business, or property ownership. While Poland’s banking system is modern and efficient, the process for non-residents or foreigners may involve some administrative steps. This guide provides a step-by-step overview of the requirements, procedures, and key considerations for UK nationals looking to open a bank account in Poland.
1. Choosing the Right Bank
Poland has a well-developed banking sector with both domestic and international banks. Some of the most popular banks for foreigners include:
PKO Bank Polski – One of the largest and most established banks in Poland.
mBank – Known for its digital-friendly services and ease of account management.
Santander Bank Polska – A well-recognized international banking brand.
ING Bank Śląski – Offers a user-friendly online banking experience.
Bank Millennium – Another popular option for expats.
When selecting a bank, consider factors such as English-language support, online banking facilities, fees, and accessibility of branches.
2. Types of Bank Accounts Available
Most banks in Poland offer several types of accounts, including:
Personal Current Account (Konto osobiste) – For everyday banking needs.
Savings Account (Konto oszczędnościowe) – For saving money with interest benefits.
Business Account (Konto firmowe) – Required for those running a business in Poland.
Foreign Currency Account (Konto walutowe) – Useful for transactions in GBP, EUR, or USD.
3. Required Documents
To open a bank account in Poland, UK citizens typically need to provide the following:
Passport – A valid UK passport is required for identification.
PESEL Number (Optional but Recommended) – This is the Polish national identification number, which can be obtained by registering your residence.
Proof of Address – Some banks may require proof of residence in Poland or the UK (e.g., a utility bill or rental agreement).
Employment or Income Confirmation – Some banks may request a work contract, tax return, or employer’s statement.
Minimum Deposit – Some banks may require an initial deposit to activate the account.
4. The Account Opening Process
The process varies slightly by bank, but typically follows these steps:
Visit a Branch or Apply Online – Some banks allow online applications, while others require a visit to a branch.
Submit Required Documents – Ensure all necessary documents are provided in the correct format.
Identity Verification – Some banks may require an in-person visit for verification, while others may allow video verification.
Sign the Agreement – After approval, you’ll need to sign the contract and agree to the bank’s terms and conditions.
Receive Your Bank Card – Once the account is active, you will receive a debit card, which can be collected in person or mailed to your address.
5. Online Banking and Mobile Apps
Most Polish banks offer comprehensive online banking services and mobile apps, allowing users to:
Transfer money between accounts
Pay bills and manage direct debits
Convert currencies
Access customer support
Set up international payments
6. Banking Fees and Charges
It’s important to be aware of potential fees, including:
Monthly Account Fees – Some banks charge maintenance fees, which can often be waived if certain conditions are met.
ATM Withdrawal Fees – Using ATMs outside your bank’s network may incur fees.
Foreign Currency Exchange Fees – If you frequently transfer GBP to PLN, consider using a multi-currency account or fintech services like Revolut or Wise.
International Transfer Fees – Banks charge fees for international transfers, so it’s worth comparing costs with specialized services.
7. Can a UK Citizen Open a Bank Account Remotely?
Some banks allow non-residents to open an account remotely, particularly if they already have ties to Poland (such as property ownership or employment). However, in most cases, an in-person visit to a branch is required.
8. Conclusion
Opening a bank account in Poland as a UK citizen is a relatively straightforward process, provided you have the necessary documents and choose the right bank. For those planning to live or conduct business in Poland, having a local bank account will make financial transactions much more convenient.
For legal assistance or further guidance, consulting Consul Law Firm can help ensure a smooth banking experience.
