🇵🇱 Opening a Bank Account in Poland
Honest assessment of business banking for foreign founders in Poland.
Polish banks (PKO BP, mBank, ING Bank Śląski, Santander Poland) have modernised their onboarding, and many offer partial digital processes for EU residents. However, non-resident directors — particularly from outside the EU — often face extended KYC timelines and may be asked to visit a branch in person. Fintech options like Wise Business and Revolut Business can serve as interim solutions but may not fulfil all Polish regulatory requirements for a corporate account. Having KRS registration, NIP, REGON, and the articles of association ready in Polish before approaching banks is essential.
Tips for Success
- Have all company formation documents ready before applying — trade licence, articles of association, certificate of incorporation.
- Prepare a clear business plan or description of your business activities, even if the bank doesn't explicitly ask for one.
- Consider digital/neo-banks as your first account — they typically have faster onboarding for new companies.
- Apply to multiple banks simultaneously rather than sequentially — rejection at one doesn't affect others.
This content is educational and does not constitute legal or tax advice. Always consult a qualified professional for your specific situation. Data last verified March 2026.