PESEL

Definition

The Polish personal identification number for an individual.

What it means in practice

Some products (especially Polish banks) require a PESEL to open an account; some fintechs accept just a passport or an EU ID.

Why it affects your choice

Not having a PESEL can be a real barrier — it affects which account you can open at all.

Watch out

Requirements differ by product and are sometimes unpublished. Whether a given product requires a PESEL — confirm with the provider before registering.

Availability for your case (including a PESEL requirement) — confirm with the provider. WTP Finance is for information only; we do not give legal advice.