How to Open a Bank Account in Poland as a Foreign Temp Worker

As a temporary worker in Poland — whether you already have a PESEL number or are still getting one — opening a Polish bank account is one of the first practical steps after arriving. Salary payments from Nexflow are made by bank transfer, and without a Polish account you may experience delays. This guide explains what you need and how to do it step by step.

Why do you need a Polish bank account?

• Your salary is paid directly by bank transfer — without a Polish account, payments may be delayed or require a costly international transfer
• Pay rent, utilities, and purchases by card without extra foreign transaction fees
• Makes it easier to use public services (NFZ, ZUS) and mobile apps
• Required for sending money home to your family

What documents do you need?

Requirements vary by bank, but typically you will need:

• Valid passport or residence card — primary identity document
• PESEL number — required by most banks; if you don't have one yet, some banks will open an account based on your passport and address
• Address in Poland — your place of residence (formal registration is not always required)
• Residence permit or visa — depending on your status (e.g., temporary residence card, work visa)

Note: Ukrainian nationals with temporary protection (UKR status) can open an account at most Polish banks with a Ukrainian passport and a PESEL number issued by the local municipality.

Which banks are foreigner-friendly?

The following banks have experience with foreign clients and often offer service in English or Ukrainian:

• mBank — fully online; you can open an account through the app without visiting a branch; English-language app available
• PKO BP — Poland's largest bank, many branches; iPKO account can be opened online or in branch
• ING Bank Śląski — Moje ING mobile app available in English; Mobi account can be opened online
• Santander Bank Polska — English-language app; account online or in branch
• Alior Bank — in-branch service, accessible for foreigners with PESEL

How to open an account — step by step

Option 1: Online (most convenient)

1. Go to the chosen bank's website (e.g., mbank.pl, ing.pl)
2. Select the option to open an account online (ROR — standard current account)
3. Enter your passport details and PESEL number
4. Verify your identity via a 1 gr (penny) test transfer from another account, or through video verification
5. Download the mobile app and activate your debit card once it arrives by post

Option 2: In a branch

1. Find the nearest branch (on the bank's website or Google Maps)
2. Bring your passport and PESEL number
3. A bank employee will guide you through the form and open your account in 30–60 minutes
4. Your debit card will be issued immediately or mailed within a few days

What if you don't have a PESEL yet?

You can get a PESEL number at the local municipal office (gmina) — you only need an application and your passport. If you work through Nexflow, the agency can help you with the application. Without a PESEL, some banks will still open a limited account — mBank and ING accept a passport number in certain cases — but with restricted functionality.

Which type of account should you choose?

For a temporary worker, the best option is a basic account:

• ROR (Rachunek Oszczędnościowo-Rozliczeniowy) — a standard current account with a debit card, free or very cheap when your salary is paid in regularly
• Avoid accounts with monthly fees if you don't meet the waiver conditions (e.g., minimum turnover or number of transactions)

Tell Nexflow your account number

Once your account is open, give your IBAN number to your Nexflow coordinator or enter it in the employee system. Your salary will be redirected to the new account from the next pay cycle.

Summary

Opening a bank account in Poland is simpler than it sounds. With a passport and a PESEL number, you can do it in minutes online or in a bank branch. Ideally, do this in your first week in Poland — it speeds up salary payments and makes everyday life much easier. If you have questions or need help, contact your Nexflow coordinator.