Best bank accounts in Poland for 2026
We compared the leading personal accounts on fees, apps and perks. Here's how they stack up.
autor: Anna Kowalska1 maja 20268 min czytania
Choosing a bank account in Poland in 2026 means weighing monthly fees, card costs, the quality of the mobile app, and the perks that actually matter to you. We tested the leading personal accounts so you don't have to.
What makes a great account in 2026
The best accounts share a few traits: a genuinely free monthly plan (or one that's easy to keep free), zero card fees with light activity, instant payments via BLIK, and support for Apple Pay and Google Pay. Increasingly, a polished mobile app is the deciding factor.
Fees are only part of the story
A "free" account that nickel-and-dimes you on ATM withdrawals or currency conversion can cost more than a transparent account with a small fee. Always look at the full fee table, not just the headline number.
Our top picks
We rated each account on fees, usability, support and benefits:
- mBank eKonto — the all-rounder, free for active users with an excellent app.
- ING Konto Direct — simple, transparent and genuinely free.
- Santander Konto Jakie Chcę — best if you want cashback.
How to switch accounts
Switching is easier than most people expect. Open the new account online, move your standing orders and direct debits, then close the old one once everything has cleared. Most banks can do this in under 30 minutes.
The bottom line
For most people in Poland, a free digital-first account with BLIK and mobile payments covers everything they need. Use the comparison tool to filter by the features you care about and apply in minutes.