Best Banks in Poland (2025)
We compared the best banks and neobanks available in Poland for 2025 — evaluating savings rates, fees, deposit protection, and digital features. All institutions are covered by the EU Deposit Guarantee Scheme up to €100,000.
ℹ️ Note: Savings rates change frequently. Always verify current rates directly with the bank. Deposit guarantee covers up to €100,000 per depositor per institution under EU Directive 2014/49/EU.
🏆 Top Best Banks in Poland 2025
1
Revolut
⭐ Editor's Choice
2
N26
#2 Best EU Neobank
3
Wise
#3 Best for International Transfers
4
Bunq
#4 Best for Sustainable Banking
Comparison Table
Re
⭐ Editor's Choice
⭐ Editor's Choice
Revolut
Neobank · e-money institution · EU regulated
Min. Deposit
€0
Monthly Fee
€0 (basic)
IBAN
Yes (EU)
Insurance
Up to €100k (deposit guarantee)
✓ Pros
- Multi-currency account — hold and exchange 30+ currencies
- Free stock and crypto trading built in
- Instant spending notifications and budgeting tools
- European banking licence (Revolut Bank UAB, Lithuania)
- Available across all EU countries
✕ Cons
- Metal/Premium features require paid subscription
- Customer support can be slow via chat
- Full banking licence features vary by country
* Affiliate link. Capital at risk.
N2
#2 Best EU Neobank
N26
Digital bank · BaFin regulated · EU passported
Min. Deposit
€0
Monthly Fee
€0 (Standard)
IBAN
Yes (DE/ES)
Insurance
€100k deposit guarantee
✓ Pros
- Full German banking licence — proper bank, not just e-money
- IBAN from Germany or Spain depending on country
- Free card with contactless payments
- Up to 8 free ATM withdrawals/month (Metal)
- Regulated by BaFin and ECB
✕ Cons
- No cash deposits
- Savings rates lower than dedicated savings accounts
- Limited investment features compared to Revolut
* Affiliate link. Capital at risk.
Wi
#3 Best for International Transfers
Wise
Money transfer & multi-currency account
Min. Deposit
€0
Fee
Low, transparent
Currencies
50+
IBAN
Yes (BE-based)
✓ Pros
- Best exchange rates in Europe — real mid-market rate
- Hold and manage 50+ currencies in one account
- Local account details for EUR, GBP, USD, etc.
- Transparent fee structure — no hidden costs
- Regulated by multiple EU financial authorities
✕ Cons
- Not a full bank — no deposit guarantee on most balances
- No overdraft or credit products
- Interest rates lower than dedicated savings accounts
* Affiliate link. Capital at risk.
Bu
#4 Best for Sustainable Banking
Bunq
Digital bank · DNB regulated · EU passported
Min. Deposit
€0
Monthly Fee
From €2.99
IBAN
Yes (NL)
Insurance
€100k deposit guarantee
✓ Pros
- Full Dutch banking licence with EU deposit protection
- Unique budgeting and savings features
- Carbon footprint tracking for all transactions
- Multiple IBANs available
- Regulated by De Nederlandsche Bank (DNB)
✕ Cons
- Monthly fee required for most features (€2.99–€17.99)
- No investment products
- Available in limited EU countries
* Affiliate link. Capital at risk.
Frequently Asked Questions
Are bank deposits safe in Poland? +
Yes. All banks listed for Poland are covered by the EU Deposit Guarantee Scheme, which protects deposits up to €100,000 per depositor, per bank. This applies to all EU member states under Directive 2014/49/EU.
What is the best savings account in Poland? +
As of 2025, Revolut and N26 offer competitive savings rates for Poland residents. Revolut's savings account offers competitive variable rates, while N26 offers savings spaces with instant access. Always compare current rates before opening an account.
Can I open a bank account in Poland as a foreigner? +
Yes. Neobanks like Revolut, N26, and Wise are particularly easy to open for foreigners living in Poland — they accept EU ID documents and offer full digital account opening. Traditional banks may require proof of residency.