This article explores how to open a bank account in Poland, provides practical steps for online banking in Czechia, and explains the process of how to open a bank account in Spain.
📌 This article is part of a financial guide for EU residents and expats. It expands on our main piece: How to Open a Bank Account in the EU in 2025: Step-by-Step Guide for Expats.
Table of Contents
- How to Open an Account in Poland
- Opening a Bank Account in Czechia
- Opening a Bank Account in Spain
- Comparison of Conditions
- Example of Personal Experience
- FAQ
- Sources
How to Open a Bank Account in Poland
Opening a bank account in Polandcan be done either at a branch or online. Most banks require a PESEL (personal ID number), but some fintechs (like Revolut) allow remote verification.
Advantages:
- Option for a multi-currency account
- Support for PLN and EUR
- Access via mobile app
Disadvantages:
- Polish address or PESEL required
- Online setup is limited to residents
- Currency exchange fees may apply
Popular banks: mBank, PKO BP, ING Polska.
Opening a Bank Account in Czechia
Online banking in Czechia is available through several banks, but often still requires a branch visit. Required documents include a passport, proof of address, and sometimes a residence permit.
Advantages:
- Reliable deposit protection system
- Online banking in English and Czech
- Access to local payment systems
Disadvantages:
- Proof of residence is required
- May be difficult without a residence permit
Popular banks: Česká spořitelna, ČSOB, Air Bank.
Opening a Bank Account in Spain
How to open a bank account in Spain depends on your residency status. Non-residents need an NIE (tax ID number), passport, and proof of address.
Advantages:
- Support for SEPA transfers and IBAN
- Special accounts for non-residents
- Can be opened before relocation
Disadvantages:
- Taxation depends on residency
- Some banks charge non-resident fees
Popular choices: Banco Santander, CaixaBank, BBVA.
Comparison of Conditions
| Country | Main Bank | Opening Time | Currency | Highlights |
|---|---|---|---|---|
| Poland | PKO BP | 1–2 days | EUR, PLN | Online appointment, multi-currency options |
| Czechia | ČSOB | 3–5 days | CZK, EUR | Requires address confirmation |
| Spain | Banco Santander | 2–3 days | EUR | NIE is mandatory |
Example of Personal Experience
Used online banking in Czechia in 2024. The process took place in Prague. It started with an appointment at ČSOB, followed by mobile app registration. Within 48 hours, the card and IBAN were activated. Salary was credited within three days. All services are accessible via the mobile app, including instant transfers.
FAQ
How can a foreigner open a bank account in Poland?
You’ll need a passport, PESEL, and proof of address. Some fintechs allow account opening without PESEL, entirely online.
What documents are required to open a bank account in Czechia?
A passport, proof of address (rental agreement or registration), and sometimes a visa or residence permit.
What are the account maintenance fees in Spain?
Typically €5–15/month for non-residents, depending on the bank and card terms.
Can I open a bank account remotely in Poland?
Yes, if you’re a resident and have a PESEL. Fintechs like Revolut and Wise also allow remote setup.
How quickly can I start using my EU bank account?
On average, accounts become active within 1–3 business days after document submission and ID verification.
📚 Related Reading:
How to Open a Bank Account in the EU in 2025 — Step-by-Step Guide for New Residents and Expats.
