Guides 9 min
Belka Tax and OKI Accounts: What Changes for Investors in Poland
Poland is not scrapping the 19% Belka tax. The new OKI account exempts up to 100,000 PLN per person from 2027, if the president signs the law.
Piotr Nowak
Knowledge Base
Financial guides and practical advice for foreigners living in Poland
31 guides in 5 categories
Banking 8 min
BLIK changes September 2026: gambling block and iPhone payments
From 1 September 2026 BLIK blocks payments to illegal gambling sites; contactless BLIK is being piloted on iPhone. A guide for expats banking in Poland.
Piotr Nowak
Mortgage 9 min
WIBOR to POLSTR: what the switch means for your Polish mortgage
Poland is phasing out WIBOR for POLSTR. Timeline, current rates, the draft conversion law and what foreigners with Polish mortgages should do.
Piotr Nowak
Banking 8 min
Where to Get 6% on Savings in Poland: August 2026 Expat Guide
Where foreigners can get 6% on PLN savings in August 2026: VeloBank, Alior, Nest and BOS rates, limits, conditions and deposit guarantees.
Piotr Nowak
Mortgage 9 min
Housing Prices in Poland, Mid-2026: Warsaw Tops 20,000 PLN/m2
Gdansk up 21% and Warsaw above 20,000 PLN/m2 in asking prices, while NBP transaction data stays flat. H1 2026 Polish housing data explained for expats.
Piotr Nowak
Banking 8 min
ZEN cash deposits in EUR: Ria Money Transfer partnership in Poland
ZEN.COM partners with Ria Money Transfer: EUR cash deposits in Poland, 22,000 points across Europe, money credited in about 15 minutes.
Piotr Nowak
Guides 8 min
Will Poland cut interest rates in September 2026? Expat guide
RPP decides on Polish rates on 8-9 September 2026. Reference rate 3.75%, July CPI 3.0%. Analysts see a cut to 3.50%. What it means for expats in Poland.
Piotr Nowak
Banking 9 min
Revolut vs ZEN in Poland 2026: Fees, Safety, Which to Pick
Revolut vs ZEN in Poland 2026: bank vs e-money institution, plan prices, FX and ATM fees, deposit protection and which one suits an expat.
Piotr Nowak
Guides 9 min
Polish Bond ETFs: How Expats Can Invest via GPW in 2026
Two PZU Treasury bond ETFs debuted on the GPW on 3 August 2026. Fees, duration, Belka tax and how they compare with retail bonds for expats.
Piotr Nowak
Guides 9 min
Send Money from Poland to Ukraine 2026: Fees, Limits, Best Options
Real 2026 fees for sending money from Poland to Ukraine: Wise, TransferGo, Paysend, Western Union, bank SWIFT, plus the 10,000 EUR cash declaration rule.
Piotr Nowak
Banking 9 min
ZEN Business Account in Poland: Fees and Review
SMART 0 PLN and ENTERPRISE 9.99 PLN plans, IBAN in 28 currencies, SEPA/SWIFT costs, cashback cards, and what the EMI licence means for your company.
Piotr Nowak
Mortgage 13 min
Mortgage 500,000 PLN as a Foreigner in Poland
500k PLN mortgage for foreigners: banks, income requirements, documents, monthly payment, foreigner-friendly options 2026.
Anna Kowalska
Guides 13 min
Polish PPK Explained: Should Foreigners Participate?
PPK employee pension scheme for foreigners: employer + state co-contributions, withdrawal rules, opt-out procedure.
Piotr Nowak
Banking 12 min
EUR/USD Currency Accounts in Poland: When Foreigners Benefit
Multi-currency accounts in Polish banks: best banks 2026, costs, exchange spreads, BFG insurance, vs Revolut/Wise.
Anna Kowalska
Banking 11 min
Hidden Bank Fees in Poland: What UOKiK Protects You From
Legal vs illegal fees, how to identify and complain, UOKiK protections, refund procedures for foreigners.
Michał Wiśniewski
Banking 11 min
Short-term Savings in Poland (3-12 months): 2026 Guide
Best savings accounts, time deposits, government bonds 2026. Maximize returns with BFG protection.
Michał Wiśniewski
Banking 9 min
How to Open a Bank Account in Poland as a Foreigner
Requirements, best banks for expats, documents needed, and step-by-step process.
Anna Kowalska
Guides 8 min
PESEL Number in Poland: What It Is and How to Get One
Why banks require PESEL, how to obtain it, and special rules for Ukrainians.
Piotr Nowak
Loans 9 min
How to Get a Loan in Poland as a Foreigner
Bank loans vs non-bank options, requirements, and tips for building credit history.
Anna Kowalska
Guides 9 min
Polish Credit System Explained: BIK, KRD, and Your Credit Score
How BIK works, scoring scale, building credit from scratch, and checking your report.
Piotr Nowak
Banking 8 min
Best Bank Accounts for Foreigners in Poland (2026)
Comparison of mBank, ING, PKO BP, Santander: fees, English apps, debit cards.
Michał Wiśniewski
Mortgage 9 min
Understanding Polish Mortgages for Non-Citizens
Can foreigners buy property? Permits, banks, down payment, WIBOR impact.
Anna Kowalska
Banking 8 min
How to Send Money Home from Poland: Best Options
Comparing bank transfers, Wise, Western Union: fees, speed, and limits.
Michał Wiśniewski
Guides 9 min
Polish Tax System for Foreigners: PIT, Tax Returns, and Deductions
Tax residency, PIT-37, brackets, filing deadlines, and double taxation treaties.
Piotr Nowak
Insurance 8 min
Insurance in Poland: What Foreigners Need to Know
ZUS health insurance, NFZ, private options, mandatory car insurance OC.
Anna Kowalska
Guides 8 min
How to Build Credit History in Poland from Scratch
First steps, starter credit products, positive BIK record, and timeline expectations.
Michał Wiśniewski
Loans 8 min
Payday Loans in Poland: What You Should Know Before Borrowing
What chwilówki are, RRSO explained, risks, legal protections, and alternatives.
Piotr Nowak
Guides 9 min
Understanding RRSO: Poland's True Cost of Credit Indicator
What RRSO means, how it differs from APR, and how to compare loans using it.
Anna Kowalska
Guides 9 min
Karta Pobytu and Banking: Documents You Need in Poland
Types of residence permits, which ones banks accept, and Ukrainian special rules.
Piotr Nowak
Loans 9 min
How to Compare Loans in Poland: A Beginner's Guide
RRSO vs oprocentowanie, total cost, comparison tools, and negotiation tips.
Michał Wiśniewski
Guides 10 min
Financial Rights of Ukrainian Refugees in Poland (2026)
Special PESEL rules, bank account access, work permits, ZUS/NFZ, loan eligibility.
Anna Kowalska
