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Bank accounts for seniors - a simple comparison
How to choose a personal account that is convenient and safe for an older person
This list shows personal (current) accounts compared on BankSorter. None of the banks listed here offers an account explicitly labelled "for seniors" with a separate age limit - these are ordinary accounts open to any adult (the age limits in this comparison apply mainly to youth offers, not to older customers). When choosing an account after turning 60, focus instead on: no monthly account-maintenance fee, free ATM withdrawals, access to a branch or Polish-language phone customer service, and the option to set up a power of attorney on the account. Below you will find a comparison of personal accounts along with practical tips and FAQ.
Verified 31 Oct 2026
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Frequently asked questions
A real bank will never ask you to reveal your password, PIN, or SMS code over the phone. If the caller pressures you for an immediate decision or asks for a transfer "for your safety" - hang up. Call the bank's official number yourself (on the back of your card) to verify whether the contact was genuine.
Yes - an internet or mobile banking transfer takes literally one minute. Add your grandchild to your trusted recipients list once, and afterwards you can send money with a single click. If you do not have a smartphone, most banks also offer a simple telephone banking service on a dedicated number.
The 50/30/20 rule says: 50% on needs, 30% on wants, 20% on savings. On 3 500 PLN that is about 700 PLN per month. Even saving 200-300 PLN to a savings account gives you a 2 400-3 600 PLN emergency cushion after one year. Set it up as a standing order so you never have to think about it.
Definitely in a bank. Cash at home earns nothing, and inflation erodes its value every year. Bank deposits are protected by the BFG up to €100,000 and usually earn interest. For safety, keep only enough cash at home to cover a few days' expenses.
Every bank's website has a branch and ATM finder by postcode or city. It's also worth checking whether the bank offers phone customer service in Polish - useful when visiting a branch in person is difficult. The number and location of branches vary between banks, so check this individually for the bank you're interested in.
Yes, you can grant a power of attorney over your bank account - the attorney (for example, a child or another trusted person) will be able to carry out the operations specified in the power of attorney on your behalf, such as withdrawals or transfers. However, the power of attorney expires as soon as the bank is informed of your death, so it is not a way to pass money on after death.
It is a written instruction, based on Article 56 of the Polish Banking Act, in which the holder of a savings, current, or term deposit account names who will receive the funds, up to a statutory limit, after their death - without waiting for probate proceedings. The beneficiary can only be a spouse, an ascendant (e.g. a child or grandchild), a descendant, or a sibling. The instruction can be changed or cancelled at any time, and funds paid out this way do not form part of the estate. Ask your bank for the details and the current limit.
Yes, scammers increasingly pose as police officers or employees of the Polish Financial Supervision Authority (KNF) or the Credit Information Bureau (BIK) to appear more credible or to frighten the victim. None of these institutions ever ask over the phone for passwords, SMS codes, card details, or a transfer "to protect your funds". If in doubt, hang up and call back using a number you find yourself on the institution's official website.
Yes, in most cases. Under Article 46 of the Polish Payment Services Act, once you report an unauthorised transaction the bank must refund it immediately, no later than the end of the next business day, and you are not liable for it unless you caused it intentionally yourself. The exception is when the transaction results from a lost or stolen card or phone with the banking app: there your liability is capped at EUR 50, unless you acted intentionally or with gross negligence (for example, keeping your PIN together with the card). Report an unauthorised transaction to the bank immediately, ideally by calling the number on the back of your card.
Call the nationwide Card Blocking System number as soon as possible: (+48) 828 828 828. The line runs 24 hours a day, 7 days a week, can be called from anywhere in the world, and after you select your bank's name you are connected to that bank's own card-blocking hotline. The system has been running since 1 January 2014. Once a card is blocked this way it cannot be reactivated (you need to order a new one), but reporting the loss as soon as you notice it limits your financial liability for transactions made by whoever found or stole the card.