How to Open a Bank Account in Poland: Step-by-Step for Ukrainians

If you hold temporary protection status, most Polish banks will open a basic account for you with a passport and your PESEL number. You do not need a Polish ID card.

Start with a bank that has English-speaking staff or Ukrainian-language support. PKO BP and mBank handle Ukrainian documents every day, while smaller branches may need extra time to check your temporary protection certificate.

Documents and steps

Collect these items before you go:

• Valid Ukrainian passport or ID card
• PESEL number printed on the temporary protection decision
• Proof of Polish address if you have it (rental contract or employer letter)

1. Pick a branch near you and check opening hours online. Many banks in larger cities keep Saturday hours.
2. Arrive with the documents listed above. The employee will photocopy your passport and enter your PESEL.
3. Fill out a short application form. You can ask for the English version or have them explain each line.
4. Receive your account number and debit card on the spot at most branches, or within five working days by post.
5. Activate internet banking the same day using the PIN sent by SMS.

Expect the whole visit to take 30 to 45 minutes once staff confirm your temporary protection status.