Personal Accounts — Ranking & Comparison 2026

What is a personal bank account?

A personal bank account (current account) is the basic banking product used for everyday financial transactions — receiving your salary, paying bills, making transfers, and paying by card. Every bank in Poland offers personal accounts with varying levels of services and fees. Account maintenance is often free when certain conditions are met, such as regular incoming transfers.

How much does a personal account cost?

Many banks offer personal accounts with free maintenance, provided you receive regular incoming transfers (usually between PLN 500 and PLN 2,000 per month). Without meeting those conditions, the fee is typically PLN 5 to PLN 15 per month. It is also worth checking the costs of the debit card, ATM withdrawals, and transfers.

Which personal account is the best?

The best personal account depends on your needs — how often you use ATMs, whether you use mobile payments, and what you expect from online banking. Best offer in August 2026: Erste Bank Polska with a bonus of 800 zł. Compare offers in our ranking to find an account suited to your lifestyle.

How do I open a personal account online?

Opening an account online usually takes 10–15 minutes. You need a valid ID and a phone number. Identity verification is typically done via a verification transfer from another bank, a video call, or an e-ID. The account is usually active within 24 hours of verification.

Can I have more than one personal account?

Yes, there is no legal limit on the number of personal accounts you can hold. You can have accounts at several banks simultaneously. Many people use multiple accounts to take advantage of different promotions, sign-up bonuses, or free ATM withdrawals. Just remember to keep track of the free-maintenance conditions for each account.