Banks in Poland 2026 — full directory and offer comparison
Explore profiles of the largest banks operating in Poland. Each profile includes current loan, account and deposit offers, the bank's history, pros and cons, and answers to the most common customer questions.
On kreddo.pl you will find profiles of 15 of the largest commercial banks operating in Poland — from PKO Bank Polski and mBank to Nest Bank and VeloBank. Each profile includes live loan, account and deposit offers pulled in real time from bank APIs, the bank's history, pros and cons and answers to the most common customer questions.
15 banks
Alior Bank
A young, ambitious challenger — accessible to Polish residents abroad
Alior Bank is a modern Polish bank (founded 2008) with competitive cash loans, mortgages and an English app — widely used by Poles in Germany and the UK.
Bank Pekao
Founded in 1929 to serve the Polish diaspora — still does
Bank Pekao SA, founded in 1929 to serve Polish émigrés abroad, is Poland's second-largest bank with multi-currency accounts and English PeoPay app.
PKO Bank Polski
Poland's largest bank — the default choice for the Polish diaspora
PKO Bank Polski is Poland's largest bank (11M+ customers), with Konto bez Granic — a multi-currency account for Poles abroad in the UK and Germany.
Bank Millennium
Portuguese-owned, award-winning English mobile app
Bank Millennium is owned by Portugal's Banco Comercial Português group, with an award-winning English mobile app and SEPA — handy for Poles abroad.
BNP Paribas Bank Polska
A French giant — natural fit for Polish residents in France and Benelux
BNP Paribas Bank Polska is part of the global BNP Paribas group — a familiar brand for Poles in France, Belgium, the Netherlands and Luxembourg.
Citi Handlowy
The oldest bank in Poland — global Citi network for international Polish customers
Citi Handlowy, Poland's oldest commercial bank (1870), is part of Citigroup. Citigold benefits from the global Citi network — useful in the US and UK.
Crédit Agricole
A French group with Wrocław roots — natural for Polish residents in France and Belgium
Crédit Agricole Bank Polska is part of one of France's largest banking groups — familiar for Poles in France and Belgium, with English app and SEPA.
Inbank
An Estonian digital bank — EU deposit guarantee, BNPL specialist
Inbank is an Estonian digital bank operating across Poland, the Baltics and other EU countries — competitive PLN deposits backed by Estonia's EU guarantee.
mBank
Pioneer of digital banking — used by the Polish diaspora across the EU
mBank was Poland's first fully online bank, with operations in Czechia and Slovakia. English app used widely by Poles in Germany and the UK.
Nest Bank
The bank for microbusinesses
Nest Bank is a young, niche bank established in 2016, specialising in microbusinesses, sole proprietors and retail customers.
Raiffeisen Digital Bank
An Austrian digital bank — EU-wide deposit guarantee
Raiffeisen Digital Bank is the digital bank of Austria's RBI group, offering consumer loans and savings deposits across Europe with EU deposit guarantees.
Santander Bank Polska
Third-largest Polish bank — now controlled by Austria's Erste Group
Santander Bank Polska is Poland's third-largest bank. In 2026 Austria's Erste Group acquired a 49% controlling stake from Banco Santander.
Santander Consumer Bank
Consumer finance specialist
Santander Consumer Bank is a Polish bank specialising in consumer, car and instalment loans, belonging to the Spanish Santander group.
UniCredit
An Italian giant of European banking
UniCredit is one of the largest banking groups in Europe, present in Poland mainly through corporate banking and selected retail products.
VeloBank
A new bank born from Polish restructuring
VeloBank is a new bank created in 2022 through the forced restructuring of Getin Noble Bank, now growing dynamically under new ownership.