
How to open a bank account in Poland as a foreigner?
For foreigners wishing to open a bank account in Poland, there are several requirements. Let’s examine them in more detail.
Conditions, documents, and permits required for a foreigner to open a bank account:
- Foreign passport
- Proof of residence in Poland – rental agreement or property purchase agreement, utility bills (e.g., for electricity, water, or gas)
- Proof of income – employment contract or a certificate from the workplace, a bank statement from another bank may be required
- Polish tax identification number (NIP) – required if you plan to receive income in Poland
- Residence or work permit in Poland – if you are an EU/EEA/Swiss citizen, proof of registration in Poland (e.g., residence card or stamp in the passport); if you are not an EU/EEA/Swiss citizen, a valid residence and work permit (e.g., national visa type D or temporary residence and work permit)
- Additional documents may also be required – bank statements from your country of residence, recommendation letters from other banks
IMPORTANT! All documents submitted to Polish banks must be translated into Polish by a sworn translator. Requirements may vary depending on the bank and individual circumstances. It is recommended to contact the chosen bank for up-to-date information on the necessary documents and permits.
The process of opening a bank account for a foreigner in a Polish bank will be as follows:
- Choose a bank: Familiarize yourself with different banks in Poland and their offers to choose the one that best suits your needs.
- Gather the necessary documents (required documents may vary depending on the bank) – passport, proof of residence, proof of income.
- Visit the bank branch: You need to personally visit the bank branch to open the account. Bring all the necessary documents with you.
- Fill out the application form: You will be provided with an account opening application form. Fill it out carefully and correctly.
- Submit the documents: Present all necessary documents to the bank employee. The bank may request additional documents if needed.
- Pay the initial deposit: Usually, an initial deposit is required when opening the account. The amount of the initial deposit varies depending on the bank.
- Receive the account number: After processing your application, you will be provided with the account number.
Additional tips:
- Some banks may charge a fee for opening and maintaining the account. Check this before submitting your application.
- You may need to provide translated documents into Polish by a sworn translator.
- Some banks offer accounts for non-residents, which may have specific requirements and restrictions.
- You may need to provide a Polish tax identification number (NIP) if you plan to receive income in Poland.
Recommended banks for foreigners in Poland:
- Bank Pekao
- PKO Bank Polski
- mBank
- ING Bank Śląski
- Santander Bank Polska
If you have any questions on this topic or would like to clarify any information, please write to us at office@progressholding.pl.
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