In Poland, many people are curious about how to register a bank account in Poland and which banks allow you to open one without a PESEL number. Even if you’re a non-resident, the process is relatively simple.
📌 This article is part of a larger financial guide: see the related publication “How to Open a Bank Account in the EU for Foreigners in 2025.”
Contents
- Required Documents
- Choosing a Bank
- Online vs Offline Procedure
- Personal Experience
- Pros and Cons
- FAQ
- Sources
1. Requirements and Documents
Before you open a bank account in Poland as a foreigner, it’s important to know what documents are typically required:
- A valid foreign passport
- Proof of address: rental agreement or confirmation from a host
- Sometimes a PESEL number or a temporary EUROPAS passport
- Tax Identification Number or similar ID (varies by bank)
- In some cases — proof of income or account purpose (e.g. for investor account conditions in Poland)
Pros:
- A clear list of documents speeds up the process
- Most banks allow account opening without a PESEL
Cons:
- Some banks require a Polish mobile number
- If you lack a fixed address, extra documentation may be needed
2. How to Choose a Bank
Choosing a bank determines your convenience and service fees. Here’s a quick comparison:
| Bank | Online account in Polish bank | Requirements | Monthly Fee |
|---|---|---|---|
| mBank | ✅ after PESEL registration | Passport + PESEL + address | €0–10 |
| ING Bank Śląski | ✅ limited (via partners) | Passport + address | €0–15 |
| PKO BP | ❌ offline only | Passport + PESEL + address | €0–12 |
| BNP Paribas | ✅ online with EU docs | Passport + address | €0–10 |
Pros:
- Free accounts under simple conditions
- Both online and offline options
Cons:
- Some banks require a minimum monthly spend
- Online option may not work for all non-residents
3. Online vs Offline Procedure
🔹 Online
- Fill out the form on the bank’s website
- Upload documents (passport, address proof, sometimes PESEL)
- Verify identity via video call
- Receive account details and bank card by mail
Pros:
- Convenient from anywhere
- Fast — usually within 3 business days
Cons:
- Not all banks support this format
- Sometimes phone or video verification is required
🔹 Offline
- Visit the bank branch in person
- Submit documents and complete forms
- Card issued on site or mailed later
Pros:
- Direct help from bank staff
- You can ask questions right away
Cons:
- Must appear in person
- Possible queues and branch hours restrictions
4. Personal Experience
Used an ING branch in Warsaw to open a Polish account without a PESEL. Brought a passport and rental agreement. After 20 minutes, a staff member helped fill out the application and issued a card. The whole process took 30 minutes, and the card arrived within 2 days. This is a real example of a non-resident opening an account for rent payments and transfers without prior registration.
5. Pros and Cons
Pros of opening a bank account in Poland as a foreigner
✅ Ability to pay rent, utilities, and internet
✅ Fast transfers across the EU and via SEPA
✅ Get a debit card for everyday use
✅ Option to invest via Polish brokers (investor account conditions in Poland)
Cons
⚠️ Difficulties if you don’t have a PESEL
⚠️ Must confirm your address
⚠️ Potential high fees for non-EU transfers
6. Frequently Asked Questions
Can I open an account in Poland without a PESEL?
Yes, most banks let you register a bank account in Poland as a non-resident with just a passport and address confirmation. ING and mBank allow online account opening even without PESEL, though video verification may be required. Processing time is usually up to 5 days.
Which banks allow foreigners to open an account online?
mBank, ING Bank Śląski, and BNP Paribas offer online services. You’ll need to upload your passport, confirm your address, and sometimes verify via video call. You can open an online account in a Polish bankwithout visiting a branch in many cases.
Do I need a residence card or is a passport enough?
For non-residents, a passport and proof of residence — like a rental contract or utility bill — are usually enough. A PESEL or residence card helps but is not mandatory. There may be minor limitations without PESEL.
How long does it take to open an account?
Usually 1 to 5 business days for the online procedure. If no video verification is needed — up to 2 weeks. In-branch visits usually activate the card within 1–3 days. The process itself takes about an hour.
What are the account maintenance fees?
Fees vary by bank: €0 to €15 per month. Often waived if minimum usage or balance requirements are met. Extra fees may apply for transfers outside SEPA.
📚 See Also
How to Open a Bank Account in the EU in 2025 — Step-by-Step Guide for New Residents and Expats
How to Open a Bank Account in Poland, Czechia, and Spain – Step-by-Step Guide for EU Expats
Sources
- How to Open a Bank Account in a Polish Bank as a Foreigner — Aksis Agency
- Opening a Bank Account in Poland — Guide by e-residence.pro
- Bank Account in Poland: Conditions for Foreigners — Unicard
In summary, to open a bank account in Poland as a foreigner in 2025, you only need a minimal set of documents, a suitable bank (online or offline), and to follow a clear process. In the end, you’ll have a full-featured account for both personal finance and investment.
