Can You Open a Bank Account Without a PESEL?
Moving to Poland and need a bank account but don’t have a PESEL number? Don’t worry! Many banks in Poland allow foreigners to open an account without a PESEL (Polish national identification number). This guide will walk you through the process and what you need to prepare.
Can You Open a Bank Account Without a PESEL?
Yes! While some banks may require a PESEL, many banks in Poland allow non-residents to open an account using their passport or residence permit instead. However, the process may vary depending on the bank’s policy.
Step-by-Step Guide to Opening a Bank Account Without a PESEL
1. Choose the Right Bank
Not all banks offer accounts to foreigners without a PESEL. Some banks known to accept passport-based account opening include:
- PKO BP
- Santander Bank Polska
- mBank
- ING Bank Śląski
- Alior Bank
Before visiting a branch, check their website or call customer service to confirm their requirements.
2. Prepare the Necessary Documents
While requirements vary, you typically need:
- A valid passport (or national ID for EU citizens)
- A visa or residence permit (if applicable)
- Proof of address (such as a rental agreement, utility bill, or employer confirmation letter)
- Employment contract or university acceptance letter (some banks may request this for verification)
3. Visit the Bank in Person
Most banks require you to visit a branch to complete the process. Bring all necessary documents and ask for an English-speaking representative if needed.
4. Fill Out the Application Form
The bank will ask you to complete an account application form. If the form is in Polish, you can request assistance from a bank employee or bring a Polish-speaking friend.
5. Receive Your Bank Card and Online Banking Details
Once your account is approved, you will receive your bank card and instructions to set up online banking. Some banks provide immediate access, while others may take a few days to issue your card.
Alternative Option: Get a Temporary NIP Number
If you plan to work in Poland, you may be able to get a NIP number (Tax Identification Number) as an alternative to a PESEL. Some banks may accept this as an identification number when opening an account.
Tips for a Smooth Banking Experience
- Choose a bank with English-language support.
- Ask about account maintenance fees and online banking options.
- Ensure your account supports international transfers if needed.
Final Thoughts
Opening a bank account in Poland without a PESEL number is possible and straightforward if you choose the right bank and prepare the necessary documents. Whether you’re a student, expat, or temporary worker, having a Polish bank account will make managing your finances easier.
Need help choosing a bank? Let us know your situation, and we’ll guide you further!
