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Erste Bank Polska
Foreign-owned

Erste Bank Polska

(formerly Santander Bank Polska)

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Erste Bank Polska (formerly Santander Bank Polska) is one of the largest banks in Poland. In early 2026 Austria's Erste Group, which holds 4... Read more →

5 active offers 4 categories
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Key facts
Founded 1989
Branches 467
Digital payments BLIK · Apple Pay · Google Pay
Helpline 24/7
Jump to: Cash loans Personal accounts Business accounts Deposits

Interest rates on Erste Bank Polska offers

Product Offers Best rate
Cash loans 1 7.69%
Deposits 1 4.50%

Cash loans

1 offer

PLN Lowest APR

Mój pierwszy kredyt

  • Interest rate: 7.69%
  • APR: 7.97%
  • No commission
  • Amount: 500 – 30,000 zł
Min: 500 PLN Max: 30,000 PLN 10 hours ago
7.97%
APR
Apply

Personal accounts

2 offers

PLN

Konto Smart

  • Bonus: 700 zł
  • Fee: 0.00–6.00 zł/month
  • Free external transfers
  • Condition: * 0 zł, jeśli dokonano płatności kartą lub Blikiem na min. …
9 hours ago
700 PLN
bonus
Apply
PLN Highest bonus

Konto Erste Platinum

  • Fee: 0.00–45.00 zł/month
  • Free external transfers
  • Condition: * 0 zł, jeśli wpływy na rachunek wynoszą min. 10 000 zł/m-c…
10 hours ago
1,500 PLN
bonus
Apply

Business accounts

1 offer

PLN

Konto Firmowe Online

  • No account fee
  • Free external transfers
9 hours ago
Apply

Deposits

1 offer

PLN

Lokata na Powitanie

  • Period: 3 miesiące
  • Amount: 1,000 – 50,000 zł
  • Interest paid at maturity
Min: 1,000 PLN Max: 50,000 PLN Period: 3 mo. 10 hours ago
4.50%
interest rate
Apply

Key facts

Founded

1989

Headquarters

Warszawa

Total assets

323.0 bn PLN

Employees

10,200

Customers

6,100,000

Branches

467

Find a branch →

SWIFT/BIC

WBKPPLPP

Ownership

Foreign-owned

Helpline

24/7

BFG

BFG Guarantee

Deposits are guaranteed by the Bank Guarantee Fund (BFG) up to the equivalent of €100,000 per person.

Digital payments

✓ BLIK
✓ Apple Pay
✓ Google Pay

ATMs

1,400 ATMs
Euronet

About the bank

Erste Bank Polska (formerly Santander Bank Polska) is one of the largest banks in Poland. In early 2026 Austria's Erste Group, which holds 49% of the shares, became its main shareholder, and in April 2026 the bank changed its name and brand to Erste. It serves about 6.1 million individual and business clients with accounts, loans, deposits and investment products.

Transfer session hours

Transfer type Session / Cutoff time
ELIXIR - outgoing 08:15, 12:15, 14:45
ELIXIR - incoming 11:00, 15:00, 17:30

Mobile app

Download on App Store Download on Google Play

Social media

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Customer reviews

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Frequently asked questions

How do I open an account at Erste Bank Polska (formerly Santander Bank Polska)? ＋
You can open an Erste Bank Polska account online at erste.pl or in the Erste app; according to the bank the formalities take about 8-15 minutes, and you confirm your identity with mObywatel or a selfie. You can also open an account at a branch with your ID card or passport. Online opening is available to adults with Polish citizenship, while foreign nationals should go to a branch.
Does Erste Bank Polska offer a fee-free account? ＋
Yes, provided you use it. With Konto Smart (for people aged 26 and over) the account and card are free if you pay at least 300 zł in total by card each month; according to the bank's price list, otherwise you pay 6 zł for the account and 9 zł for the card per month. With Konto Smart for people aged 18-25 the account costs 0 zł, and the card is free if you make at least one card or BLIK payment a month.
What are the ELIXIR session times at Erste Bank Polska? ＋
According to the bank's schedule, a transfer sent on a business day by 8:15 goes to the first Elixir session, by 12:15 to the second and by 14:45 to the third; a transfer ordered later goes to the first session of the next business day. Incoming transfers are booked after 11:00, 15:00 and 17:30. Express Elixir and BlueCash instant transfers can be sent and received 24 hours a day, 7 days a week.
Does Erste Bank Polska offer foreign currency products? ＋
Yes. Konto24 walutowe is available in 21 currencies, including EUR, USD, GBP, CHF and CZK, and you can exchange currency at any time in Kantor Erste in the app or online banking. You can link a card to your currency accounts and pay from them without conversion, and the currency account can receive transfers from abroad (fees according to the bank's fee table).
How can I contact Erste Bank Polska? ＋
The Erste Bank Polska (formerly Santander Bank Polska) helpline is 1 9999 in Poland and +48 61 81 1 9999 from abroad; product servicing is available around the clock. After logging in you can also use chat or a video call, and you can find the nearest branch on the branch map at erste.pl.

Contact and details for Erste Bank Polska

Phone 1 9999
Bank website www.erste.pl
Helpline 24/7
Branches 467
SWIFT/BIC WBKPPLPP
Find a branch →

Cash loans

Offers from Erste Bank Polska: loans, deposits, personal and business accounts.

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