Best Personal Bank Accounts 2026 — Comparison of Polish Banks

How to Choose a Personal Bank Account in 2026?

Choosing a personal bank account is one of the most important financial decisions. In Poland, over 20 banks offer current accounts — they differ in fees, bonuses and access to ATMs.

What to look for?

• Monthly fee — many banks offer free accounts with conditions (e.g. one card payment per month)
• Card fee — sometimes zero, sometimes PLN 8–12/month if conditions aren't met
• ATM access — number of free withdrawals at own and partner networks
• Cashback — some accounts give 1–5% back on purchases at partners
• Welcome bonus — banks offer PLN 100–300 for opening an account and meeting activity conditions

Which account for whom?

For students and young people — look for accounts with a free card and high cashback. For those who use a card intensively — accounts with cashback on everyday spending. For people who value simplicity — clear fee structures and free ATMs nationwide.

How does BankSorter help?

Our comparison tool automatically updates data from Polish banks — you can filter by fee, cashback, welcome bonus and customer group. Select the account that genuinely suits you.