Banking Services for International Students
Learn how to open a bank account, manage your finances, and navigate banking services in Poland
The Polish Banking System: An Overview
Poland has a modern and well-developed banking system, making it easy for international students to manage their finances securely.
Types of Banks
- Large national banks with extensive branch networks
- International banks with Polish operations
- Smaller cooperative banks in local areas
- Online-only banks with competitive fees
Banking Security
- Regulated by the Polish Financial Supervision Authority
- Deposit guarantee up to €100,000 (Bank Guarantee Fund)
- Advanced electronic banking security measures
- Multi-factor authentication for online transactions
International Services
- Multi-currency accounts available
- International wire transfer services
- Customer service in English at major banks
- Mobile apps with language options
Polish Banking Facts
Poland's Currency
The official currency is the Polish Złoty (PLN). Poland is in the European Union but does not use the Euro. ATMs will typically offer withdrawals in PLN.
Banking Hours
Most banks operate Monday to Friday, 9:00 AM to 5:00 PM. Some branches in shopping malls may be open on weekends with limited services.
Cash vs. Cashless
Poland has widely embraced cashless payments. Credit/debit cards, mobile payments, and contactless transactions are accepted almost everywhere.
PESEL Number
A PESEL number (national identification number) is helpful but not always required for international students to open a basic bank account.
How to Open a Bank Account in Poland
Opening a bank account is one of the first financial steps you should take when arriving in Poland. Follow this guide to make the process smooth.
Required Documents
Gather the following documents before visiting a bank branch:
- Valid passport or national ID card (for EU citizens)
- Student ID card or university acceptance letter
- Temporary residence permit or visa (for non-EU students)
- Polish address proof (rental agreement or dormitory confirmation)
- PESEL number (if you have one, not always required)
Choosing a Bank
Research and select a bank that best meets your needs:
- Compare fees, especially for international transfers
- Check for English-language services and support
- Look for student-specific account options
- Consider ATM network and branch locations near your university
Visit the Bank Branch
When visiting the bank in person:
- Request an English-speaking assistant if needed
- Complete the account application form
- Provide all required identification documents
- Ask about online banking setup and mobile app access
After Opening Your Account
Once your account is active:
- Set up your online banking and download the mobile app
- Activate your debit/ATM card and set a secure PIN
- Note your account number for receiving funds from abroad
- Set up automatic alerts for transactions and balance updates
Important Notes
- !Some banks allow online account opening, but in-person verification is typically required for international students.
- !Consider scheduling an appointment in advance, especially if you need English-language assistance.
- !Students from some countries may face additional verification procedures due to international banking regulations.
Comparing Banking Options in Poland
Poland offers various banking options for international students. Here's a comparison of some popular banks to help you make an informed choice.
| Bank Name | Student Benefits | International Features | Digital Banking | English Support |
|---|---|---|---|---|
| PKO Bank Polski |
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| mBank |
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| Santander Bank Polska |
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| ING Bank Śląski |
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| Millennium Bank |
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Digital Banking in Poland
Poland has one of the most innovative digital banking systems in Europe, with several features that make managing your finances easier:
BLIK Mobile Payments
A unique Polish mobile payment system that allows payments via generated codes, without using a card.
Instant Transfers
Many Polish banks offer immediate transfers between accounts, even at different banks.
Virtual Cards
Digital versions of payment cards for online shopping without exposing your physical card details.
Biometric Authentication
Many banking apps support fingerprint and face recognition for secure access.
Ready to Set Up Your Banking in Poland?
Having a local bank account will simplify your financial life as an international student in Poland. Start planning early to ensure a smooth transition.