What banks are there in Poland. Russian banks abroad, provision of banking services abroad, representative offices and branches of Russian banks in Europe. Commission for transactions in foreign currency

Poland is the best country for business owners and people who decide to open a private enterprise in this country. The main advantage is stable banking system.

The Polish financial market has representatives from local and foreign banks. Most foreign financial institutions from Germany.

Almost all banks in Poland have a customized internet banking system. This allows you to shop online simply by using an online service.

What banks are there in Poland
The financial market of this country is saturated and has many representatives who offer their services at a high level. Consider the most popular financial institutions operating in Poland.

mBank
In 2000, a new financial structure, nBank, began its work. After the appearance of this bank, a real revolution took place in the country. It became possible to transfer funds without leaving home, using the Internet for this. For a short period (5 years), the number of clients was about 5 million. A financial institution is considered comfortable for saving savings.

PKOBankPolski
The bank began operating in 1919, but was not very popular with ordinary citizens. The situation changed in 1974, when it became possible to open a personal account to store savings. The bank retains its traditions and is considered one of the first banks to start operating in the territory of the Republic of Poland. Has a reliable reputation with its clients, is suitable for legal and individuals... The capital is about PLN 1.25 billion.

BZWBK
BankZachodni was formed after the merger, in 2001, of two financial institutions. 2011 was a favorable year for him - the bank joined one of the largest groups in the world - SantanderGroup. A couple of years later, it takes over KredytBank, which has led to the fact that BZWBK took the third place in Poland in terms of scale. BankZachodni has more than 1000 branches throughout the country and became one of the first owners " mobile bank". In 2012, it was recognized as the best for customers and payments using mobile services.

BankMillennium
This organization was created as economic bank in 1989. It is one of the first banks to be listed on the stock exchange. valuable papers in Warsaw. 8 years after the establishment, they will merge with Bank GdańskiSA and one bank from Portugal. The name Bank Millennium appeared in 2003. Since then, it has enjoyed the status of one of the largest and most influential banks in Poland. The company provides services to individuals and legal entities, is optimal for doing business.
You can open the following accounts:
Konto360 ° - suitable for salaries and pensions, has a mobile account.
DobreKonto - for citizens or companies with a good turnover of funds exceeding PLN 1,000.

INGBankŚląski
It was created in 1989 and throughout its existence has a good reputation among citizens. Included in the four best companies country, serving more than 3 million people. INBank is aimed at working with all categories of clients - young people, workers, students, private entrepreneurs. The capital is PLN 130 million.

BankPekaoS.A.
BankPekao has been operating in Poland for over 80 years. Founded in 1929, the bank has undergone numerous reorganizations. He also changed his logo after joining UniCredit. One of the three leaders in the country. Its most requested product is mobile bank... The company provides a wide range of services for entrepreneurs, due to which it is optimal for business.

Poland has a wide range of financial institutions. This allows you to select a bank according to individual preferences by choosing best conditions... Stability financial system attracts more and more foreign investors improving conditions banking services for the population of the country and entrepreneurs.

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Bank account in Poland: short and to the point

• Deposit interest - low;
• Loan interest - low;
• Bank deposit return guarantee - up to € 100,000.
• Opening bank account in most banks - free of charge;
• Bank deposits, as well as dividends, are subject to 19% tax in the Republic of Poland.

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What banks are there in Poland

One of the main advantages of doing business in Poland is stable banking system. On financial market countries are represented by both local banks and banks with foreign capital, most often German.

Internet banking is also well developed: the overwhelming majority of banks have their own online banking systems and you can pay for goods and services on the Internet, regardless of which bank an account is opened with.

The most popular banks in Poland include:

How to open an account

If you managed to choose a suitable bank, then now you should go to its nearest branch. Most often serving bank staff speak english, therefore, if your knowledge of the Polish language is insufficient, this will not be a problem.

Before going to the department, check if you have taken all the necessary documents with you:

1. Passport with visa.
A bank account will be opened both on the basis of a residence permit and with a regular visa. For example, if you are studying in Poland, then in order to contact the bank about opening an account, you will need to take your passport with a national visa.

2. Card To stay.
If you are already a resident of Poland and have such a document as Karta Pobytu: or, then there will be no problems, both with opening an account and with obtaining a loan.

Some banks may put forward additional requirements or limit cooperation with foreigners staying in the Republic of Poland on the basis of a visa.

Getting the first loan in Poland

When applying for a loan to a Polish bank, for the first time you can only count on receiving a small amount.

At the same time, as soon as the loan obligations assumed are paid off, this information will be included in the so-called. BIK ( BIK) - Biuro Informacji Kredytowej(Credit Information Bureau).

Based on these data, in the future, a decision will be made on whether or not to give you loans for larger amounts, including mortgages.

Loan and deposit rates

Interest rates on loans are set by Rada Polityki Pieniężnej (RPP) - Council on monetary policy... Over the past few years, in connection with deflation, a policy has been pursued to increase annual inflation to at least 1.5-2%.

Due to this interest rates on loans in Poland are quite low, which in turn means cheap loans for residents.

At the same time, you need to understand that such a policy automatically means that interest on deposits - lokata- they will also be low and you will earn very little: annual interest rates in Poland vary from 2.5 to 3.5% per annum.

On the specialized Polish news site Bankier.pl/porównanie-lokat, which publishes news about the economy and banks, you can calculate online how much money you will earn at the end of the year if you decide to deposit your savings.

So, having opened a deposit for 10,000 PLN, you will earn from 60 to 90 PLN per year, depending on the chosen bank. This example clearly demonstrates that in this moment putting money in banks in Poland in order to make money is unprofitable, the income will be minimal.

Where is it more profitable to contact Polish banks not for keeping money, but for receiving cheap loans.

Do not forget that from the income received, you pay 19% tax on bank income , savings and dividends, also called the Podatek Belki Tax after the Minister of Finance who introduced it. The possibility of canceling it is often discussed, but as of May 2017 it is still up to date.

In accordance with Polish law, bank deposits, as well as dividends are taxed in the Republic of Poland 19%.

How much does it cost to open an account in a Polish bank

In accordance with the legislative amendment, by August 8, 2018, each bank will be obliged to provide citizens of Poland with a free bank account.

A standard card (for example, Visa Electron) will also be free, provided that, for example, you pay with it in a store 5 times a month. Bank requirements may differ slightly, but they all boil down to the fact that if you really use bank account or by card and the card is not in the wallet for half a year without work - then its service will cost 0.00 PLN.

Money transfers between Polish banks are carried out using the system ELIXIR... Regular transfers are free, and for urgent ones - Express Elixir pay from 3 to 5 PLN. For payment in stores by credit card no additional commissions are taken in Poland.

In addition to an account in zloty, every Polish bank will also offer you to open an account in dollars or euros. If we are talking about other currencies, then here it will already be necessary to familiarize yourself with the offer of each specific bank.

Bank guarantees and return of deposits

Despite the stability of the Polish banking system, many emigrants who came from across the eastern border are worried about the guarantee of the return of depositors' funds, in the event that the bank "bursts".

The system of return of deposits here works as follows: in case of loss of accumulated funds you will receive a refund within 20 days up to € 100,000. This is guaranteed by the so-called. Fund Bank guarantees (Bfg). It operates on the basis of a system of mutual responsibility and support.

Thus, the return of deposits does not imply the provision of these funds exclusively from the budget, since all banks who are members of the BFG, make mandatory annual fees. This is monitored by the Financial Supervision Commission - Komisja nadzoru finansowego.

The real story of the detention of a foreign card by an ATM of a Polish bank ended with the victory of the strange policy of the Polish bank. Exhortations that this is the only way to pay and get cash did not work.

Tourism in Poland is, of course, well developed. As well as the services associated with this. But payment by bank cards is not possible in all places, although it seems to be ubiquitous. Going on a trip, of course, it is much easier to keep money on the card. Often tourists do just that - everywhere they pay with a card, and if they need cash somewhere, they go to an ATM and withdraw the amount they need in the currency of the country in which they are located.

There are also workers from non-EU countries. They also often use the cards of their banks that are not located in Poland.

The situation looked similar in the described case. PKO Bank Polski SA (not to be confused with PEKAO - a mistake is possible, as the names sound the same "Pekao") has a huge number of ATMs in Poland. As well as many branches throughout the country. It is the largest player in the Polish banking market... Many who have visited Poland have probably met with the logo of this bank in the form of a stylized piggy bank. Taking advantage of the fact that the PKO ATM was at hand, the hero of this material with a Sberbank card in his hands decided to use the services of a PKO bank ATM to withdraw cash.

As a result, the card of Sberbank of Russia was detained by the ATM without warning when you clicked “issue cash” and select the currency “Polish zloty”. The situation was complicated by the fact that the time was 21:00 Warsaw.

A call to PKO ATM support revealed a surprising state of affairs. It turns out that all cards held by ATMs of PKO Bank are subject to immediate destruction after their withdrawal. Even a bank employee cannot give the card back, even if the card was detained during the working hours of the bank branch, even if in front of his eyes.

"You don't have to tell your clients everything"

The fact is that, paradoxically, Bank Polski PKO ATMs are operated by a third-party company. In addition, according to the bank's hotline specialist, the procedure for withholding and returning cards is regulated by internal documents jar. To a clarifying question about the possibility of reading these rules somewhere, the specialist answered literally the following - “this is an internal order of the bank. The bank is not obliged to disclose all of its documents to customers ”.

There are no exceptions to this rule. The admonitions that "I am a tourist", "a card of a foreign bank", "I have no cash" - faced an amazing logic - "you still have the opportunity to turn over cash and the ability to withdraw it from your account." It's funny that nothing said about foreign bank, about the only opportunity to withdraw money, etc., was not heard. There was only one answer - „you need to order new card”And“ you can order a card of our bank in any of our branches ”.

Everything would be fine if the conversation was conducted with an auto-informant. But a live specialist spoke. The indifference and cynical ignorance of the problem as such is striking.

A century of subsistence farming and exchange

It is also striking that this is Europe and the 21st century outside the window. The age when the fact of possession of this card can be confirmed not only by a passport, but also by all types of applications, up to a fingerprint. But it turns out that this is not enough. Apparently, the automated state of affairs does not suit someone. It is much more interesting to reload a lot of pieces of paper, waste the bank employees' hours and the client's time (although what time is there for the client when he does not need to be informed about such subtleties as the detention of the card and the difficulties that await him).

The situation turned out to be deeper after questioning the citizens of Poland on this topic, with whom a similar story happened with their cards of Polish banks. It turned out that she looked like this.

Regardless of the name of the bank, the employees of the branch ignored the incident, stating that it was not their problem, but some third-party organization that serves the ATM of their bank. Yes, right the one that stands in their hall and pasted over with their logo.
In this material, we will not cite the names of banks given by the respondents. We will limit ourselves only to the name of the one with which the author had the opportunity to discuss the seizure of the card personally - Bank Polski PKO. But be careful - you can't find the ends.

The conclusion is simple

If you are a tourist in Poland and your ATM “ate your card” and you have no money, they will not listen to you and make exceptions for you, too. What to do in such a situation? I would like to believe that the police will help. Even just contact the consulate. There is no need to immediately rush to "wring out" the phones of passers-by. Remember the testament of the hero Andrei Mironov - “Russo tourist! The face of morality! ”.

Moreover, you need to remember - when traveling to Poland, it makes sense to keep cash with you. In dollars or euros. Like an emergency reserve. Despite all the seeming transparency, customer focus and technology, you should rely only on your ingenuity and on the sayings "the stock does not pull" and "do not have a hundred rubles, but have a hundred friends." Friends can be asked to transfer money through popular systems with their issuance at one of the points. To do this, it would be nice to have enough funds on your phone to call home.

Be careful with ATMs in Poland so that nothing can darken your travels in this beautiful country, life or work in it.

The banking system develops regularly and becomes more and more popular all over the world. Hard to meet modern man who does not have a personal bank account, credit card or doesn't various translations via internet banking. In their cities, most people know which structures are reliable and which ones are best not to get involved with.

Now many people, including Belarusians, work, study and simply live abroad, in particular in Poland. Being in another country, it is quite difficult to determine which bank to choose and how not to lose your money. Therefore, this issue must be approached with all seriousness.

For an ordinary person, there are not so many different criteria when choosing a bank. First of all, it must be reliable, because the worst thing is to lose your cash... We should not forget about convenience, there should be clear Internet banking, ease of use of various services, and so on. Another benefit is affordability.

Reliability

As already reported, each client of the bank wants the chosen institution to be reliable and the depositor does not lose his money. Of course, today is not the beginning of the 90s, moreover, the banking system is well developed in Poland, so now the risk of losing money is much less. But still, once again, it won't hurt anyone to play it safe. To determine the reliability of a bank, you should pay attention to these points:

1. Bank age. If the institution has been operating for a long time, then there is less chance that your money will be lost. At the same time, it is not so important when the structure began its activity in the late 19th century or in the early 90s. The main thing is that you cannot trust banks that opened a few months ago and promise very high interest rates on deposits.
2. Infrastructure. In this case, you can immediately decide how convenient the bank is. You need to pay attention to the number of ATMs, whether it is possible to replenish the account through ATM, how many branches the bank has, and so on. It is not surprising that if a structure has 1000 ATMs and 300 branches, then there is very little chance that it will engage in fraudulent activities. But there are banks that have only a few ATMs and one branch in the Voivodeship, in which case it is better to bypass them. Perhaps the establishment is normal, but it's still not worth the risk.
3. Owners. In this case, we are not talking about specific people, you just need to own general information... Now globalization is actively practiced, in this case there is more confidence in the structure, the founders of which is an international corporation.

Bank service comfort

As already reported, in this case, you should pay attention to how developed the bank's infrastructure is, namely: the number of ATMs, branches, the conditions for the introduction and withdrawal of funds. But beyond that, there is one very important point- the ability for foreigners to open accounts. It is difficult to disagree with the fact that this is the first thing a foreigner should pay attention to, because if it is impossible to open an account, everything else becomes unimportant.

The presence of Internet banking is an undoubted advantage, because most of the calculations are made through the Internet. Also, the advantages include mobile banking. Even if you will not use such services, you should know that the bank invests in development, it wants to be modern and does not spare money for it.

The best banks in Poland: rating of the most profitable banks for foreigners

The ratings of Polish banks are regularly compiled by various financial analytical organizations. From the point of view of a private person, the most interesting are the ratings of the authoritative edition Bankier.pl, which monthly publishes TOP banks on its website, comparing them by various parameters from the point of view of retail customers: the cost of opening an account, issuing a card, service and support.

With the influx of foreigners into the country, in particular Ukrainians, many banks in Poland create special accounts with favorable conditions for foreign citizens... Bankier.pl made comparative rating the most attractive Polish banks for foreigners.

If you come to Poland for a long time, or even more so you are going to work here, then you most likely need to open a bank account in order to receive a salary for it, or simply pay with a card in a store.

By the way, in Poland, you can pay for almost everything with a card, from travel on the bus to the fee for registering a car in Uzhonda.

Opening an account in a Polish bank

Opening a bank account in Poland is very easy. It is not even necessary to have a residence permit for this, just a visa is enough, which allows you to stay in Poland.

In most of the large bank branches, the staff speaks English, so even if you don't know Polish it shouldn't be a problem.

But do not register online, the fastest and effective way will apply directly to the bank of your choice, where on the spot you can submit all documents and fill out the necessary applications.

Documents required to open a bank account

To open an account in a Polish bank, no special documents are required. It is enough to present a passport with a visa or a permit for a temporary or permanent residence(residence card, Karta Pobytu, residence permit, permanent residence, EU Resident Card).

Some banks may ask for a pesel (PESEL) and even refuse to open an account without it. But officially in Poland there is no law requiring foreigners to have a pesel.

To open an account, you need to come to any branch of the bank of your choice and contact the staff with a request to help in opening an account.

At the bank you will need to fill out a form with all your data, and indicate to which address to send payment card... The fact is that all cards are issued with personalized ones, and it will not work, as in Ukraine, to get a card ready for payments in 10 minutes. The bank will print your card and within 7-10 working days will send it to the address you specified... After that, you need to activate it, via the Internet or by phone (all instructions for activating the card will be given to you at the bank) and can be used.

Payments and commissions of banks in Poland

A pleasant surprise for bank users is that transfers within the bank and even between different banks in Poland are free... The country has general system ELIXIR translations, per use which fee is not charged but the term for transferring funds is 2-3 banking days... There is also a system ELIXIRExpress, which will transfer money faster e, but the transfer fee will be 3-5 PLN. When paying by card in a store, no commissions are also charged.

In the presence of a free transfer system, the bank makes money by taking a fee for servicing the card or account. Usually this amount is about 5 - 7 zlotys per month. But if certain conditions are met, for example, payment by card for 300 PLN in the amount per month, or regular receipts of money to the account, the commission for using the card / account is not paid. Different banks offer different conditions how you can avoid commissions. And if you regularly use the card, then most likely you will not have to pay a commission.

What can they charge a commission for when using a card in Poland

Below is a list of not the most obvious operations for which Polish banks can charge you a commission. Be careful and read the terms and conditions of your bank.

Commission for withdrawing funds from a card through an ATM

The bank takes money for withdrawing a very small amount from a card at an ATM. If a client of mBank or Alior Bank withdraws PLN 100 or more from an Euronet ATM, the operation will be free, but if it is a lower amount, he will pay a commission. It is PLN 3 for mBank and PLN 5 for Alior. The fees are not particularly high, but they can be very annoying.

Savings Withdrawal Fee

Fee for disbursing funds from a savings account. If it is charged, it usually happens only after the second and each subsequent payment in the calendar month. Usually it ranges from 5 to 10 zlotys. This is annoying because often this amount is more than the amount of interest that we receive in a given month.

This is due to the fact that currently the interest rates for such accounts are very low. For example, if the amount is less than PLN 10,000, Pekao is only 0.2% per year. If the average account balance is 3000 PLN, then after 30 days we will receive only 0.40 PLN. Meanwhile, the fee for the second withdrawal from the account per month in this bank is PLN 8.

Card or account service fee

Banks often apply the principle that we can use our account or card for free, but under certain conditions. Usually, you need to make a certain number of payments or ensure that a certain amount is received. For example, the owner of a Citigold account with Citi Bank can pay up to 220 PLN for its maintenance. The Millenium bank also charges an account maintenance fee if less than PLN 1000 is received per month.

Commission for transactions in foreign currency

The cost of converting currencies at banks is very high. More and more banks are introducing foreign exchange and multicurrency cards that can help lower these fees.

If you transfer money from an account in PLN to a foreign currency account or vice versa, the amount will be converted by bank rate... Nevertheless, it has a hidden commission of about 3% of the amount to be converted. Therefore, if instead of a savings account you transfer PLN 10,000 to a foreign currency account, then we will lose about PLN 300 in such a transaction. If you want to transfer money to your account in PLN, the bank will exchange the currency again and you will lose another 300 PLN.

Which bank to choose in Poland

The banking system in Poland is quite stable, banks do not appear and do not disappear here every day, and the total number of banks throughout the country does not exceed 20. There are both Polish and foreign banks, mostly German banks. Here list of all banks that are represented in Poland:

• Alior bank
• Bank BHP
• Bank Millennium
• Bank Pekao
• BOŚ Bank
• BZ WBK
• Citi handlowy
• Deutsche Bank
• Eurobank
• Getin bank
• Idea Bank
• ING Bank Śląski
• mBank
• PKO BP
• Raiffeisen Polbank
• Volkswagen Bank
• Toyota Bank

Almost every bank has its own Internet banking system, in which you can perform all the main monetary transactions- transfers, payments, purchases via the Internet, opening a deposit and others.

Most popular banks in Poland:

• Deutsche Bank
• mBank
• PKO Bank Polski
• WBK Bank Zachodni
• Bank Millenium
• ING Bank Slaski
• Bank Pekao

Banks in Poland with service in Russian or Ukrainian

Many Polish banks, in order to attract customers, provide an opportunity to service in Russian and Ukrainian.

• Millennium - Ukrainian and Russian " hot line»;
• Pekao– there is a Ukrainian hotline, documentation in Ukrainian and mobile app in the same language;
• Getin Bank - in certain cities and branches there are Russian-speaking consultants, the site is in Ukrainian and telephone lines are also served in Ukrainian;
• Santander - hotline in many languages;
• ING Bank - Russian-language telephone consultations
• RaiffeisenBank offers its clients a Ukrainian-language version of the site
• Credit Agricole - brochures, documentation, information on opening and state of an account, mobile application - all this is available in Ukrainian. In the near future, the telephone line will also operate in different languages.

Bank account Millenium - Konto 360 °

Account maintenance fee - 8 zł per month, but if the account receives more than 1,000 PLN per month and one payment by card, the service fee will not be charged.
Payment for a bank card - 7 zł per month, but under the same conditions as for an invoice, payment is not taken.
Cash withdrawals through ATMs - at all ATMs in the world without commissions. (not charged if the account is credited with at least 1000 PLN per month and one payment by card).

The bank has internet banking and mobile banking... It is also possible to open an account via the Internet.

Comparison of conditions in different Polish banks

Commission financial control Poland has created a website where you can check and compare the cost of various banking services: account service fees, remittance or replenishment of the account.

On the website porownywarka.knf.gov.pl you can find popular Polish banks that have at least one branch in each voivodeship, namely: Bank Millennium, Bank Ochrony Środowiska, Bank Pocztowy, Credit Agricole Bank Polska, Getin Noble Bank, ING Bank Śląski , Idea Bank, Nest Bank, PKO BP Bank Polski, Plus Bank, Pekao, Santander and mBank.

On the service, you can find only those banks that have passed the necessary information to the Financial Control Commission. But, in turn, the Commission assures that the list of banks will be replenished.

The following data can be checked on the site:

• payment for account maintenance;
• refill;
• cash withdrawal;
• SMS informing;
• the cost of translations;

Polish bank card in Ukraine

If you want to use the card in Ukraine, then the most optimal conditions are offered by banks - BGZ BNP Paribas and Idea Bank. When opening an account with these banks, you do not need to pay either for maintaining the account or for using a bank card.

Terms of use of the BGZ BNP Paribas Konto Optymalne bank card:

• for a foreign transfer, a commission will be charged, which is not less than PLN 30, the interest rate is only 0.2%
• the structure of the group includes the Ukrainian Ukrsibbank, so you will have the opportunity to transfer money to an account with Ukrsibbank with a commission of only PLN 10
• free withdrawals from ATMs of UkrSibBank in Ukraine
• in case of using other ATMs in Ukraine, customers pay a commission of 10 PLN

Idea Bank conditions with Kontem Idealnym offer:

• for a foreign transfer, a commission will be charged, which is not less than PLN 30, the interest rate is only 0.25%
• when withdrawing cash in Ukraine, you pay a commission of at least PLN 10 (2%)

Conditions of Raiffeisen Polbank offer of Wymarzonym Kontem Osobistym:

• account maintenance is free
• in order not to pay also for using a bank card (payment is PLN 3), the client must use the card once a month
• a transfer to Ukraine costs 35 PLN, and each payment from a foreign ATM is paid with a commission of 3%, although the bank always charges at least 8 PLN for the transfer

How to close a bank account in Poland

When you open an account with a Polish bank, you sign an agreement with it, according to which the bank provides certain services - paid or free. Accordingly, closing a bank account is a termination of this agreement.

Unless otherwise specified in the agreement, the standard term for informing the bank about your desire to terminate relations with it is 30 calendar days... On rare occasions, you may be asked to close your account immediately. The bank will go to meet you if the reason is a change in tariffs and provisions, planned for the near future. But even in this case, the bank can reserve 7 days for itself to consider your application.

Exists four ways to close an account:

1. In person at the bank branch. You need to come to the bank branch and fill out a form with a request to terminate the contract and close the account. This option is provided by absolutely all banks. The address of the nearest branch can always be found on the bank's website.
2. By registered mail. This option is also practiced by all banks in Poland. You can write the letter yourself or download the corresponding form from the bank's website. In any case, the letter should contain information that will identify you as a client. The letter must be sent either to the branch that serves your account, or to the correspondent address of the bank. The mentioned 30 days will start counting from the moment the bank received the letter.
3. Through the telephone information line of the bank. Not available in all banks. Fast way, if you do not take into account the time spent waiting for the consultant.
4. Through the internet. So far, not all Polish banks allow closing an account through an individual user account on the bank's website.

It should be added that many banks allow the cancellation of a payment card without closing the account. This option makes sense if you do not pay anything for maintaining the account, but servicing the card entails provisions.
How do I know that the account is closed and no longer serviced? The confirmation can be the transfer of the balance to another account - this happens on the last day of your agreement. Some banks inform about this via SMS.

In order to close an account, you must prepare the following data:

• surname and first name of the account holder
• PESEL number or passport number
• address provided when signing the agreement
• account number or agreement with the bank
• details of another account to which the balance of funds from your account will be transferred

Loans in Poland

V recent times the Polish government pursued a policy aimed at reducing tax rates, so now the interest rates on loans in Poland are quite low. This allows more people to use bank loans, which contributes to the development of the country's economy. The base interest rates on loans are set by Monetary Policy Council of Poland- Rada Polityki Pienieznej or RPP.

Poland has common base loan data - Bureau of Information on Loans or BIK (BIK), where all information on all your loans goes. And before issuing a new loan, the bank checks your credit history on this base.

In some sources, information is indicated that the first time you apply to the bank for a loan, you will not be able to get a loan for large amount, or mortgage- it is not true. If you provide evidence that you have a high and stable income, then the likelihood that the bank will refuse you is not so great.

But if you have already had problems with paying off a loan in Poland, then this information will be in the BIK database, and the bank will receive this data and will take it into account when making a decision.

Deposits in Poland

Since the interest rate on loans is quite low, then the interest on deposits in Poland will be incomparably lower than in Ukraine. On average, banks offer interest rates for deposits of about 2-3% per annum. And you won't be able to earn a lot on such a deposit. In addition, you need to remember that you still have to pay tax on the income from the deposit, in the amount of 19% of the income. So keeping money on a deposit in a bank is not very profitable.