Easy guide to opening a bank account in Poland

Opening a bank account in Poland used to be a challenge but with Poland becoming ever more popular, Polish banks have taken some extra steps to offer banking in English.

Can you open a bank account in Poland, in English, without knowing any Polish?


Not only that but it’s actually quite easy and pretty much everything is done for you by the bank.

I’m going to show you step by step how to open a bank account in Poland, in English, with full support & apps all in English.

How to open a bank account in Poland

You have several choices when opening a bank account in Poland, which are as follows:

You should do your own research on which bank to choose, while we recommend Bank Millennium for being in English, this does not imply that they are necessarily better than any other bank mentioned above.

Open an account with Bank Millennium:

Bank Millennium (https://www.bankmillennium.pl/en/)

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The first thing you’ll notice from the screenshot above is that the whole website is in English.

Bank Millennium has gone to great lengths to ensure they are accessible for people from all over the world.

They are by far the best bank for people moving to Poland who hasn’t yet learned the Polish language.

Now, let’s help you open a Polish bank account.

If you’ve clicked the link above you will be on the English language homepage, from there you can either click ‘Open Account’ in the main menu or ‘Open Now’ in the slider.

direct link ( https://www.bankmillennium.pl/wniosek-o-konto-osobiste )

You should be on this screen, from this point it’s all very straightforward but if you’re wondering which is the best option to choose between:

  • Courier
  • Branch
  • Online


Bank Millennium send a courier to your address, you will be given a time that the courier will be visiting your address in Poland and you just need to make sure you’re at home when they visit.

The courier will need to see your identification and you’ll need to sign some forms, so have a pen and your ID ready next to the door.

This option is best if you’re not sure how to use smartphones and you can’t visit a branch.


The branch is where you visit the branch with all of your documents, I would advise trying one of the other methods, it can be a bit hit or miss sometimes in branches with staff being able to speak English.

If you do go to a branch, try and find a member of staff that can communicate in English or take one of your Polish friends to assist you. A lot of the staff can and will communicate in English but sometimes they might be a little nervous so be friendly and patient.

This option is best if you prefer a more personal experience and want to ask questions.


This is by far the easiest way to open a Bank Millennium account.

If you’ve ever opened an all-online bank account, like Monzo, you’ll find this the easiest and most straightforward way to get a Polish bank account set up in minutes.

The only downside to opening your bank account this way is that you’ll still need to visit a Bank Millennium branch within 90 days or your bank account will have limits imposed on it where you’ll only be able to make transactions up to a maximum of 5000zl per month.

You’ll need your ID and you’ll need to take a selfie to prove your identity.

If you’re just starting a new job and need to provide bank details to your new employer ASAP then this will be your best option.

This is the best option if you need your Polish bank account open fast or before you arrive.

Do I need a Polish ID or PESEL number?

No. You can use your passport or driving license from your country of origin as identification for your account.You will be able to use your Polish bank account without a PESEL number for the lifetime of your account with minimal restrictions, for example, you won’t be able to use any Bank Millennium credit facilities without a PESEL number.

Emma has lived and worked in Poland for over 9 years and knows Poland like the back of her hand.


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