Can a foreigner open a bank account in Poland without having a residence permit in Poland?

Can a foreigner open a bank account in Poland without having a residence permit in Poland?

We are often asked this question. Here’s what we can say on this topic.

Yes, a foreigner can open a bank account in Poland without having a residence permit, but it depends on the specific bank and its requirements. In this case, there may be some restrictions. These may include:

• Some banks may charge higher account maintenance fees for non-residents.
• You may be required to provide additional documents proving the source of your income and the purpose of using the account.
• You might have to visit the bank branch in person for certain operations (such as depositing or withdrawing large amounts).

To open a bank account in Poland for a foreign citizen without a residence permit, you will need the following documents and information:

1. Identification document – this can be a passport or another official ID.
2. Visa or residence permit: if you are not an EU citizen, you may need a visa or a permit to stay in Poland.
3. Proof of address in Poland (e.g., rental agreement, utility bill).
4. PESEL or NIP number: some banks may require a PESEL number (Polish resident identification number) or NIP (tax identification number). If you are not a resident, this number may not be required.
5. Proof of employment or income source.
6. The purpose of opening the account.
7. A recommendation letter from another bank (if available).

Procedure:

1. Choose a bank that offers accounts for non-residents.
2. Visit the bank branch with the required documents.
3. Fill out an account opening application.
4. The bank may ask for additional information or documents to verify your identity and address.
5. After the application is approved, you will be given your account number and possibly a card to access the account.

Recommended banks:

• PKO Bank Polski
• ING Bank Śląski
• mBank
• Santander Bank Polska

Please note that requirements and procedures may vary depending on the bank. It is recommended to contact your chosen bank for detailed information regarding its policies for non-residents.

If you have any questions or would like further consultation on this topic, feel free to contact us at office@progressholding.pl.