How to open a bank account in Poland without a PESEL

Moving to Poland and don't have a PESEL number yet? You can still open a bank account. Here's exactly how to do it, step by step.

Do you really need a PESEL?

Many traditional Polish banks ask for a PESEL, but it isn't always mandatory. Several banks and fintechs accept a passport or national ID instead, which is ideal if you've just arrived.

Documents you'll typically need

• A valid passport or EU national ID
• Proof of address (sometimes optional)
• A phone number for verification

Best options without a PESEL

Digital banks are usually the fastest route. Revolut lets you open an account in minutes with just a passport, hold EUR alongside PLN, and spend abroad at great rates — perfect for newcomers.

Step-by-step

1. Download the bank's app or open its website.
2. Enter your details and upload your ID.
3. Complete identity verification (often via a short video).
4. Start using your virtual card immediately.

After you get your PESEL

Once you receive your PESEL, you can upgrade to a traditional account if you want features like a mortgage or local credit. Until then, a foreigner-friendly account covers everyday banking comfortably.