Open a Bank Account in Poland

Opening a Bank Account in Poland

Radical changes in the global economy only strengthen international integration. Today, not only large corporations but also small and medium-sized businesses have branches across Europe. Poland is no exception — it is attractive due to the simplicity, speed, and transparency of company registration. That’s why many entrepreneurs are interested in how to open a bank account in Poland.

Why Opening an Account in Poland is Beneficial

• Most institutions offer remote account management through online or mobile banking.
• Opening an account in Poland is carried out under a high level of confidentiality.
• Major world currencies are supported.
• Fast account opening (from 3 days), with an individual approach to each client.
• Competitive rates for corporate account services.

What to Consider Before Opening a Bank Account in Poland

The key factor is choosing the right financial institution. It’s best to select a large, technologically advanced bank with a wide range of services. This ensures smooth corporate account operations. Before opening a bank account in Poland, you should also consider:

• bank service conditions;
• timeframe and procedure for opening accounts.

To open a bank account in Poland, you need to clarify in advance which documents are required by the chosen institution. The minimum package usually includes:

• company charter and other founding documents;
• identification documents of directors, shareholders, beneficiaries;
• proof of the company’s legal address, as well as other documents requested individually.

Where Can You Open a Bank Account in Poland

Poland’s banking system is well-developed — it includes both local payment service providers and branches of major financial corporations. Let’s highlight banks with a strong reputation whose terms attract both local and foreign businesses.

• Santander. Founded in 2001, offers personal or corporate accounts in Poland with no minimum balance requirement.
• mBank. Established in 1986, specializes in credit and debit cards. Opens personal and corporate accounts with online banking support.
• PKO Bank Polski. Founded in 2004, no minimum balance requirement, opens savings, personal, or corporate accounts managed via online banking.
• Getin Noble Bank. Founded in 1919, offers personal, corporate, settlement, and savings accounts. No minimum balance required.
• Millennium Bank. Established in 1989. Accounts can be opened without a minimum deposit. Provides personal, corporate, and savings accounts accessible via online banking.
• ING Bank. Offers personal, corporate, or savings accounts with a minimum balance of €5. Operating since 1989.
• Pekao Bank. Founded in 1929, provides personal, corporate, or savings accounts. Requires a minimum balance of €120. Accounts managed through online banking.

Required Documents for Opening a Bank Account in Poland

Depending on the bank and the specifics of your business, requirements may vary. Generally, Polish banks require:

• company registration certificate;
• list of incorporation documents;
• copy of the corporate structure;
• proof that directors were duly appointed to their positions;
• proof of the company’s registered address;
• notarized annual financial report (required by some banks).

To maximize your chances of successfully opening a bank account in Poland, contact Incluence specialists. They will answer your questions and recommend the bank best suited to your business.

Bank Account in Poland: Common Challenges

Banks often refuse to open accounts due to insufficient documentation or improper paperwork. That’s why many entrepreneurs rely on professional specialists to manage this process.

How does the account opening process in Poland work? How to choose a financial institution based on your business needs and goals, and prepare the required documents? The optimal solution is to contact our experts at Incluence Limited. We will help you choose the bank with the most favorable conditions, prepare a full set of documents in line with specific requirements, and provide guidance. You can also explore detailed information about leading Polish banks on our website.

You can discuss all questions at any convenient time — fill out the online form or contact our experts through the details provided on the site.