Bank Account

To receive your salary or scholarship at IBB PAN – and to manage everyday expenses like rent, phone top-ups, or online payments – you’ll need a Polish bank account. The process is straightforward, but there are a few things worth knowing before you go.

What to keep in mind when opening an account

• Fees and conditions – Opening an account is usually free, but some banks charge monthly maintenance fees unless you meet simple conditions – like using your card regularly or receiving a minimum deposit.
  Also, check whether ATM withdrawals are free, and if so, from which machines – fees may vary depending on the bank and card type.
• Online banking & language support – Digital banking is widely used in Poland, and most banks offer mobile apps for everyday use – from checking your balance and making payments, to topping up your phone or managing your card. Not all banks offer online banking or mobile apps in English. Make sure to check this before opening your account.
• Location – It’s a good idea to choose a bank with a branch or ATM near your home or workplace. There are several options close IBB, including: ING, Santander, Millennium, Alior, and PKO Bank Polski.
  All of them provide services for foreigners, but specific procedures may vary depending on the provider.
• Polish phone number – Most banks require a Polish mobile number to activate online banking and confirm operations such as transfers or login. That’s why it’s best to get your SIM card first.

What documents do you need?

Requirements differ between banks, so make sure to check the exact list before your visit. You will usually need:

• Passport or national ID
• Proof of address in Poland (e.g. hotel confirmation or rental agreement)
• Visa or residence permit (if applicable)
• Employment or scholarship confirmation
• PESEL number

Once your account is ready, don’t forget to inform the HR department – it’s needed for salary or scholarship transfers