5+ Best Banks in Poland for Opening a Bank Account in 2024-2


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    Poland is rapidly becoming one of the most attractive markets in Europe, as businesses and investors seek new opportunities in the region. If you are someone who is looking to start a business in Poland, then one of the crucial steps that you need to follow is open a bank account there. Poland’s banking sector has been experiencing significant expansion in recent years. Selecting the best bank might be challenging with so many options available. 

    In this article, we will be giving you an extensive guide to the best banks in Poland, complete with key features and insights to help you make an informed decision.

    What are the best banks in Poland?

    This section of the article will cover some of the best banks in Poland:

    1. PKO Bank Polski

    PKO Bank Polski is the largest bank in Poland and has a wide range of products and services that cater to both individuals and businesses. The bank provides affordable rates for loans, mortgages, and deposits and has a solid reputation for providing excellent customer service. Opening a bank account in Poland‘s PKO Bank Polski provides a range of solutions to businesses that include accounts, loans, and cash management services. PKO Bank Polski has over 1,200 branches across Poland, making it incredibly convenient for customers who need to withdraw cash or make payments.

    2. Bank Pekao

    Bank Pekao is one of Poland’s oldest banks and has been operating since 1929. The bank provides services to individuals, small businesses, and corporate clients. It offers a range of products, such as loans, mortgages, credit cards, as well as investment services. Additionally, Bank Pekao offers Internet banking services so that users can access additional banking services, control their accounts, and initiate payments from any location in the globe.

    3. Santander Bank Polska

    A division of the massive Spanish banking group Banco Santander is Santander Bank Polska. The bank provides both individuals and companies with a large range of services, such as deposits, loans, mortgages, and investment products.. Santander Bank Polska has more than 500 branches and provides customers with 24/7 access to their accounts via online and mobile banking services. The bank is renowned for its dedication to providing excellent client service and its creative approach to banking.

    4. mBank

    mBank is an online bank that prioritizes giving its clients a flawless online banking experience. The bank provides a number of financial services for both individuals and businesses, such as credit cards, loans, mortgages, and accounts. mBank is known for its easy-to-use mobile app, which provides customers with instant access to their accounts, as well as features like mobile payments and money transfers.

    5. ING Bank Śląski

    ING Bank Śląski is a subsidiary of the Dutch banking giant ING Group and has a significant presence in the Polish market. The bank provides services to both individuals and businesses and offers a range of products, such as accounts, loans, mortgages, credit cards, and investment services. ING Bank Śląski also offers online banking services that provide clients with 24/7 access to their accounts.

    How to Choose Among the Best Banks in Poland?

    Selecting the best bank in Poland depends on various factors, including individual financial goals, lifestyle, and preferences. Consider the following tips to make an informed decision:

    1. Define Your Financial Goals 

    Before choosing a bank, identify your short-term and long-term financial objectives. If you’re establishing a business, saving for a big purchase, or making retirement plans, make sure the bank you choose can help you reach your objectives.

    2. Evaluate Fees and Charges

    The fees charged by various financial institutions for services like wire transfers, ATM use, and account management can vary. Be sure to review and compare these fees to avoid any surprises.

    3. Assess Technological Capabilities 

    If digital convenience is a priority, opt for a bank that offers robust online and mobile banking platforms. Functionalities like bill payment, real-time transaction alerts, and mobile check deposits can improve your banking experience.

    4. Consider Customer Service 

    A bank’s commitment to customer service is crucial. Look for reviews and testimonials to gauge the level of customer satisfaction. Your banking experience can be significantly improved by prompt and friendly customer service.


    The best banks in Poland cater to a diverse range of needs, offering stability, innovation, personalized services, and a blend of tradition and modernity. Leading companies in the sector, PKO Bank Polski, ING Bank Śląski, mBank, and Bank Millennium each bring distinct advantages to the table.

    Consider your financial priorities and aspirations carefully before making a choice. Consider factors such as fees, technological capabilities, and customer service to ensure that your chosen bank aligns with your individual needs.

    Contact OnDemand International for more information.