Crédit Agricole Bank Polska, part of the French Crédit Agricole group, serves 1.7 million customers in Poland. It offers cash loans, mortgages for citizens earning in EUR/GBP/CHF, personal accounts and English-language mobile banking — headquartered in Wrocław.
Why choose Crédit Agricole?
- Part of the French Crédit Agricole group — recognised brand in France and Belgium
- English-language CA24 Mobile app and web banking
- Polish mortgages available to citizens earning in EUR, GBP, CHF
- SEPA Credit Transfer support to Crédit Agricole regional banks in France
- Strong in-store instalment loan offer
- Specialised service for the agricultural sector
- Attractive personal accounts with welcome promotions
- Good retail banking service through branches
Editorial rating
- Offers 4.3
- Service 4.1
- Online banking 4.2
- Costs 4.3
About the bank Crédit Agricole
Crédit Agricole Bank Polska took its current form in 2001, absorbing the Wrocław-based Lukas Bank. The bank belongs to the French Crédit Agricole group — one of the largest banking groups in the world, with more than 50 million customers in Europe and a strong retail banking footprint. The Polish head office remains in Wrocław, which sets it apart from its Warsaw-centric competitors.
Crédit Agricole Bank Polska serves 1.7 million retail, business and agricultural customers. Thanks to its French-group heritage, it has a strong position in serving the agri sector and in instalment loans. The offer covers cash loans, mortgages, personal accounts, deposits, credit cards and specialised products for farmers and microbusinesses. The bank is also active in in-store instalment loans via partnerships with retailers.
For Polish residents in France or Belgium, Crédit Agricole Bank Polska offers a recognisable brand from one of the largest French banking groups, with SEPA Credit Transfer support between the Polish entity and Crédit Agricole regional banks in France. The CA24 Mobile app and credit-agricole.pl web banking offer English interfaces. EU residence documents are accepted in the verification flow alongside Polish ID, and customer service handles English inquiries by phone and chat during Polish business hours.
Crédit Agricole Bank Polska also serves the broader Polish diaspora in Germany, the United Kingdom and other EU countries. Polish citizens earning in EUR, GBP or CHF can use the bank for Polish-property mortgages, with foreign-currency income accepted in creditworthiness calculations alongside documented employment contracts and tax returns. The Wrocław headquarters and branch presence in major Polish cities make in-person service accessible during visits home. For daily eurozone multi-currency spending, fintech alternatives typically offer tighter FX; Crédit Agricole's role is the Polish banking relationship with BIK history, Polish mortgages, ZUS and Urząd Skarbowy integration, and KNF-regulated products.
Active offers
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Personal accounts
View all offers →Konto dla Ciebie
Crédit Agricole
- Monthly fee
- 0 – 10 PLN
Business accounts
View all offers →Promocja „Nawet 3260 zł premii z Kontem Biznes”
Crédit Agricole
- Monthly fee
- Free
Pros and cons
Pros
- Stable French parent group with G-SIB classification
- English-language mobile app and web banking
- Polish mortgages for citizens earning in foreign currency
- Attractive instalment loan offers
- Strong position in farmer banking
- Competitive welcome promotions
Cons
- Mobile app lags behind segment leaders (mBank, Santander)
- PLN-to-EUR FX spread wider than dedicated fintech FX providers
- Smaller branch network than universal banks
- Narrower product range than PKO BP or mBank
How to apply — Crédit Agricole
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.
- 1
Choose a product
Check Crédit Agricole Bank Polska offers in our loan and account ranking.
- 2
Go to the bank
Click the CTA to go directly to the application page.
- 3
Fill in the application
Use credit-agricole.pl or the mobile app. Prepare your ID.
- 4
Receive a decision
For existing customers, a decision within hours. New customers — within 1–2 business days.
Frequently Asked Questions
Is Crédit Agricole Bank Polska a French bank?
Yes — Crédit Agricole Bank Polska is fully owned by the French Crédit Agricole group, one of the largest banking groups in the world. The bank has operated in Poland since 2001 and is headquartered in Wrocław (formerly Lukas Bank).
Can I open a Crédit Agricole account from France or another EU country?
Yes. Crédit Agricole Bank Polska supports remote account opening via mObywatel verification or selfie identity check. EU residence documents are accepted alongside Polish ID. The CA24 Mobile app and web banking offer English interfaces, and customer service handles English inquiries during Polish business hours.
Does Crédit Agricole Polska coordinate with Crédit Agricole regional banks in France?
They are separate legal entities within the same global group. SEPA transfers between them follow standard SEPA Credit Transfer rules and complete same-day. Polish citizens with accounts at Crédit Agricole in France often choose Crédit Agricole Bank Polska for brand and process familiarity.
Can I get a Polish mortgage from Crédit Agricole while working in France?
Yes. Crédit Agricole Bank Polska accepts foreign-currency income (EUR, GBP, CHF) in mortgage creditworthiness calculations. Polish citizens earning in France, Belgium or other EU countries commonly use the bank for property purchases in Poland, with documented employment contracts and tax returns.
What loans does Crédit Agricole offer?
Crédit Agricole Bank Polska offers cash, consolidation, mortgage, car and in-store instalment loans (available in many retail chains). Farmers can access special agricultural loans and farm equipment leasing.
How much does a personal account at Crédit Agricole cost?
A personal account at Crédit Agricole is free when you meet deposit or card activity conditions. The bank regularly runs welcome promotions for new customers, including cash bonuses for active use.
How do I open a Crédit Agricole account online?
You can open an account via credit-agricole.pl or the mobile app, using mObywatel, selfie verification or a verification transfer. The card arrives by post within a few business days.
Is Crédit Agricole Bank Polska safe?
Yes. The bank is supervised by KNF and is a BFG member, which guarantees deposits up to EUR 100,000. It belongs to the French Crédit Agricole group, which has global systemically important bank (G-SIB) status.
What is the maximum cash loan amount at Crédit Agricole?
Crédit Agricole offers cash loans up to PLN 200,000 with repayment up to 120 months. The exact maximum depends on creditworthiness and BIK history.
Does Crédit Agricole offer mortgages?
Yes. The bank offers mortgages in variable and 5-year temporarily fixed rate options, with repayment up to 30 years. Subsidised farmer mortgages are also available.
Other banks
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