Opening a bank account is one of the first practical steps for any foreigner settling in Poland. Polish banks have become increasingly accommodating to non-Polish speakers, with several offering full English-language services and simplified account opening for foreign residents.
Best Banks for Foreigners
mBank is widely considered the most foreigner-friendly bank, with a fully English-language mobile app and online banking, no monthly fees for basic accounts, and the ability to open an account with just a passport. ING Bank Śląski offers similar services with excellent English support and a user-friendly app.
PKO Bank Polski, Poland’s largest bank, has the widest branch and ATM network but more limited English support. Millennium Bank offers competitive exchange rates for multi-currency accounts, making it popular with expats who receive income in foreign currencies.
Required Documents
Most banks require a valid passport, PESEL number, and proof of address in Poland. Some banks can open accounts without PESEL using a passport and residence card. Students may need a university enrollment certificate. The account opening process typically takes 15-30 minutes at a branch.