Currency account (Polish bank)
An account in a foreign currency run by a Polish bank — with the BFG guarantee.
Definition
An account in one (or a few) foreign currencies at a bank operating in Poland, for example mBank, ING, PKO BP, Pekao.
How it works in practice
You hold funds in, say, EUR/USD/GBP, you get a Polish IBAN and a multicurrency card. Exchange is often via the bank's online currency exchange.
Why it affects your choice
The WTP Finance comparison rests on this difference: a Polish bank = a deposit guarantee and a known brand; a fintech = usually more currencies and the mid-market rate.
Watch out
A bank currency account usually gives a Polish account number per currency, not local details in other countries. Banks rarely publish a percentage spread.
WTP Finance is for information only; we do not give financial advice.