Poland has a modern, well-regulated banking sector with a mix of large universal banks, foreign-owned groups, cooperative banking networks, and specialist institutions (e.g., mortgage banks and the state development bank). This Banks in Poland directory is designed for visitors who want official, reliable starting points: who regulates banks, where to verify a licensed institution, and where to find each bank’s official website.
Before choosing any bank, it’s smart to confirm that the institution appears in the Polish regulator’s public database and to understand how deposit protection works in Poland.
How banking is regulated in Poland (quick, official overview)
Polish Financial Supervision Authority (KNF)
The Polish Financial Supervision Authority (KNF) is the key public body supervising Poland’s financial market, including the banking sector. A very practical tool on the KNF site is the Entities Search, which you can use to verify whether a bank (or another regulated institution) is listed.
National Bank of Poland (NBP)
The National Bank of Poland (Narodowy Bank Polski, NBP) is Poland’s central bank. The NBP publishes key legal/official materials and provides a consolidated Legislation section (including the Banking Act references).
The Banking Act (legal framework)
Poland’s Ministry of Finance summarizes that the legal framework for the banking system is laid down in the Banking Act of 29 August 1997, covering how banks operate, how they’re organized, and the principles of supervision and restructuring/liquidation.
Deposit protection in Poland (what most people want to know)
Poland’s Bank Guarantee Fund (BFG) protects eligible deposits (generally up to the equivalent of EUR 100,000 per depositor per institution, with details and rules on its site). Always read the bank’s depositor information sheet and the BFG rules if you’re making high-value deposits.
Banks in Poland directory (major institutions + cooperative networks)
Below are widely-used banks and banking groups with official websites. For the complete up-to-date picture (including branches of foreign banks, specialist entities, and status changes), use the KNF Entities Search.
Major universal banks (retail + business)
| Bank | What it is (short) | Official website |
|---|---|---|
| PKO Bank Polski (PKO BP) | Universal bank with services for individuals, SMEs, and corporates. (PKO Bank Polski) | pkobp.pl (PKO Bank Polski) |
| Bank Pekao | Large universal bank (retail + corporate). (pekao.com.pl) | pekao.com.pl (pekao.com.pl) |
| Santander Bank Polska | Major retail & business banking services in Poland. (Santander) | santander.pl (Santander) |
| mBank | Digital-first bank for individuals and business clients. (mBank) | mbank.pl (mBank) |
| ING Bank Śląski | Universal banking services (retail & business). (ING Bank) | ing.pl / en.ing.pl (ING Bank) |
| Bank Millennium | Retail + business bank; accounts, loans, cards, online banking. (Bank Millennium) | bankmillennium.pl (Bank Millennium) |
| Alior Bank | Universal bank for individual and business customers. (Alior Bank) | aliorbank.pl (Alior Bank) |
| BNP Paribas Bank Polska | Retail + wealth + SME/corporate banking as part of BNP Paribas Group. (BNP) | bnpparibas.pl (BNP) |
| Citi Handlowy (Bank Handlowy w Warszawie) | Citi-branded services in Poland (retail/corporate offerings). (Citi Handlowy) | citibank.pl (Citi Handlowy) |
| Credit Agricole Bank Polska | Universal bank in Poland within the Credit Agricole group. (Credit Agricole) | credit-agricole.pl (Credit Agricole) |
| VeloBank | Universal bank (individuals + SMEs + selected corporates/local gov). (VeloBank) | velobank.pl (VeloBank) |
| Bank Pocztowy | Banking services linked to the Polish Post group; retail-focused and accessible via large branch network. (Poczta Polska) | pocztowy.pl (Bank Pocztowy) |
| BOŚ Bank (Bank Ochrony Środowiska) | Specialized “eco-bank” supporting pro-environment investments. (Bos bank) | bosbank.pl (Bos bank) |
| Nest Bank | Retail & business banking (note: some services/info may be Polish-only). (Nest Bank) | nestbank.pl (Nest Bank) |
| Plus Bank | Retail & business banking products in Poland. (Plus Bank) | plusbank.pl (Plus Bank) |
Cooperative banking in Poland (two big networks)
Cooperative banking is a major part of Poland’s financial landscape. Instead of “one brand everywhere,” cooperative networks are typically made of many local cooperative banks plus a central institution.
SGB Group (Spółdzielcza Grupa Bankowa)
SGB-Bank S.A. is the central institution for the SGB cooperative banking group, which includes many cooperative banks across Poland.
BPS Group (Bank Polskiej Spółdzielczości)
Bank BPS is another major cooperative banking pillar (a separate cooperative network).
If you want, I can add a dedicated subsection listing the largest cooperative banks by city/region (still linking only to official websites).
Specialist banks you may see in Poland
BGK — Poland’s state development bank
Bank Gospodarstwa Krajowego (BGK) is Poland’s development bank (public mission institution, not a typical consumer retail bank).
Mortgage banks (covered bonds)
Poland also has specialist mortgage banks (e.g., Pekao Bank Hipoteczny, mBank Hipoteczny, PKO Bank Hipoteczny) that focus on long-term mortgage financing and covered bonds.
How to safely use this “Banks in Poland” directory
- Verify the institution in the KNF database (Entities Search).
- Understand deposit protection rules via BFG (especially if holding large balances).
- Use the bank’s official site to find the product, fees, and contact information.
FAQ: Banks in Poland
Who regulates banks in Poland?
Bank supervision is handled by KNF, and the central bank is NBP.
Where can I verify if a bank is officially registered/supervised?
Use KNF’s Entities Search.
Are deposits protected in Poland?
Eligible deposits are protected under Poland’s Bank Guarantee Fund (BFG) framework (rules and limits are on BFG’s official site).
What’s the best “official source” to link when I build a banking directory page?
Use (1) each bank’s official website, plus (2) the KNF Entities Search for verification and (3) BFG for deposit protection basics.
Conclusion
A good Banks in Poland page should do two things: (1) give readers fast access to official bank websites, and (2) teach them how to verify legitimacy using public regulators (KNF) and understand deposit protection (BFG). The list above covers many of the best-known institutions and networks—but the KNF database remains the most authoritative verification tool if anything changes.