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Services · Personal accounts

Personal accounts: Poland

An honest assessment before work starts, the quote is fixed in writing.

We assess your chances against your profile, prepare the compliance file, help you present your source of funds properly and handle communication with the bank until it decides. The final decision always rests with the bank, so no one can guarantee an opening - careful preparation simply improves the odds.

We quote the exact cost for this country after a short consultation: it depends on the bank and your residency. The quote is fixed in writing before work starts.

Fees

ServicePrice
Personal account - opening assistanceon request

Prices are indicative and cover our work on a typical case. We confirm the exact quote in writing after a short call - you know the final number before we start. Government fees and bank tariffs are billed separately unless explicitly included.

See also

Business account · Investment property · Country taxes · All country programs

FAQ

Can a foreigner open a Polish bank account without residency?
Yes, several Polish banks open accounts for foreigners on a passport, though the choice is narrower and terms vary. Ordinary current accounts have no minimum balance, and monthly fees are often waived if money regularly comes in or you use the card. With a residence card and a PESEL every bank is open to you.
Do I need a PESEL for a personal account?
Not always, but life is harder without it: online onboarding, Polish banking apps and government services are all built around the PESEL. Banks that accept foreigners without one usually ask you to come to a branch and may limit some features.
Can I open a Polish bank account remotely?
Sometimes, through video verification or a confirming transfer from an existing account in your own name. For a foreigner with no PESEL and no Polish address, remote opening is usually not available and a trip is needed.
Will a Polish bank report my account to my tax office?
Yes. Poland applies CRS as an EU member: the bank records your tax residency, asks for a tax number and reports the account for exchange. If you become a Polish tax resident, also check the local rules on declaring foreign accounts and income.

Don’t want to figure this out alone?

We handle the whole process end to end: we assess your chances with specific banks, prepare your documents and give you honest timelines. Leave your details and a personal banking expert will get back to you. The first consultation is free.

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