Currency accounts
How to choose a foreign-currency account - and how a 'ranking' differs from matching
There is no single 'best foreign-currency account' - only one that is best for your situation. Below, we explain what really matters and then show which accounts meet each specific criterion. The table is arranged alphabetically (positions are not sold); the segments are filters based on verified data, not an editorial ranking.
FX conversion margin + free allowance
Often the most important cost and the one that varies most between providers. Check the actual margin and whether there is a free monthly allowance. In the table, you can sort by 'FX margin - lowest first'.
Account maintenance fee
Foreign-currency accounts are more likely to have a non-zero maintenance fee than standard personal accounts. Note: '0 zł' may be conditional - depending on activity, balance or the account-opening channel. Check the condition in the 'Account fee' row.
Card linked to the account
Check whether a card is issued for the foreign-currency account at all, whether the first card is free and whether any fees apply (one-off / for an additional card / for a plan). See the 'Physical card / virtual card / card type' rows.
Interest rate
A foreign-currency account is a transaction account, not a savings account - its interest rate is usually 0%. If you are looking to earn interest in a foreign currency, see Deposits and savings.
ATM withdrawals
Fee-free withdrawal limits and fees charged abroad can wipe out any FX savings. See 'ATM withdrawals'.
Protection of funds
Bank = deposit guarantee (BFG/equivalent). Fintech/EMI = safeguarding (segregated funds, without a deposit guarantee). This is a legal distinction - see 'Trust and structure'.
Choose by a specific criterion
Accounts with a zero FX margin (in the account currency / subject to conditions - see the table for details).
Credit Agricole, N26, UniCredit
Accounts with no maintenance fee (some unconditionally, others subject to activity requirements - check the condition).
Bank Pekao, bunq, Erste, ING, mBank, Millennium, N26, Nest Bank +6
For people who prefer a deposit guarantee to a fintech's safeguarding.
Bank Pekao, bunq, Credit Agricole, Erste, ING, mBank, Millennium, N26 +4
The full comparison of all accounts - with filters (no PESEL, Ukrainian language, karta pobytu) and sorting by FX margin - is available in the table below.
Foreign-currency and multicurrency accounts
For people living in Poland - regardless of citizenship. Polish and foreign institutions; every value is source-backed.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Bank Pekao - Informacje o systemie gwarantowania depozyt w
- Bank Pekao - konto walutowe
- Bank Pekao - Taryfa prowizji i opłat oferta biezaca od 1 11 2025
- Bank Pekao - karta wielowalutowa
- Bank Pekao - bfg
- Bank Pekao - platnosci z bankiem pekao s.a.
- PeoPay Bank Pekao - Apple App Store listing
- Bank Pekao - otworz konto online
- Bank Pekao - offer for international clients (languages)
- Bank Pekao - konta dla cudzoziemców / uchodźców
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- Bank Pekao - Konto Przekorzystne (otwarcie online)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Who can open a bunq Personal account?
- bunq: what plans are available
- bunq compare plans
- bunq: what is ZeroFX
- bunq foreign currencies and IBANs
- bunq Elite plan page
- bunq deposit guarantee explainer
- bunq - Apple App Store listing
- bunq Help Center - accepted ID documents
- bunq Help Center - who can open a personal account
- bunq - Support (languages)
- bunq - who can open a Personal account
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- bunq - Bye Maestro, hello Debit Mastercards
- bunq - Apple & Google Pay
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Erste Bank Polska - nowa oferta (Konto24 walutowe: 12 walut, SEPA, wymiana 24/7)
- Erste Bank Polska - FAQ: jezyki aplikacji (PL/EN/RU/UA)
- Erste Bank Polska - Konto24 walutowe: Dokument dotyczacy oplat (25.04.2026)
- Santander/Erste Bank Polska - otwarcie konta (dokumenty)
- Santander/Erste - dostepne dokumenty
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- ING Bank Śląski - gwarancje bfg
- ING Bank Śląski - konto walutowe
- ING Bank Śląski - karta wielowalutowa
- ING Bank Śląski - przelew walutowy
- ING Bank Śląski - przelew europejski sepa
- ING Bank Śląski - tabela opłat i prowizji
- ING Bank Śląski - www.knf.gov.pl
- Moje ING mobile - Apple App Store listing
- ING - konto walutowe (otwarcie i dokumenty)
- ING - jak zalozyc konto przez internet (100% zdalnie)
- ING - konto dla cudzoziemców / oferta dla uchodźców
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- ING - Tabela Opłat i Prowizji dla osób fizycznych (stan 31.05.2026; konto walutowe w ofercie bieżącej)
- ING Bank Slaski - oferta dla obcokrajowcow/uchodzcow (dokumenty)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- mBank - bankowy fundusz gwarancyjny
- mBank - ekonto walutowe
- mBank - ekonto walutowe
- mBank - usługa wielowalutowa
- mBank - przelewy zagraniczne
- mBank - arkusz informacyjny
- mBank - karta do konta walutowego eur
- mBank PL - Apple App Store listing
- mBank - konto na selfie (otwarcie online)
- mBank - jezyki serwisu i obslugi
- mBank - przelewy zagraniczne (SEPA/SWIFT)
- mBank - dokumenty potwierdzające tożsamość (cudzoziemcy)
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- mBank - eKonto walutowe
- mBank - dokumenty potwierdzajace tozsamosc (cudzoziemcy)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Bank Millennium - Cennik usług (prowizje i opłaty); konto walutowe EUR/GBP/USD/CHF
- Bank Millennium - Cennik usług: karty debetowe (od 01.07.2024)
- Bank Millennium - Regulamin otwierania rachunkow ze Zdalna Weryfikacja (obowiazuje od 18.06.2025)
- Bank Millennium - konta dla obywateli Ukrainy (dokumenty, 12 mies.)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Monese EU/Other Personal Terms and Conditions (2025-10-09)
- Monese EU personal fees and limits
- Monese homepage
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- Monese - Debit cards
- Monese - Foreign Nationals
- Monese Support - How can I open a Monese account
- Monese - Google Pay (also Apple Pay)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Availability across Countries (N26)
- N26 compare plans
- N26 Metal benefits
- N26 funds protection
- N26 - opening an account / eligibility
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- N26 - Plans (Standard/Smart/Go/Metal) + Compare every detail + FAQ (strona globalna EN)
- N26 - Mastercard
- N26 - how to prove my identity
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Which countries does Paysera operate in?
- Paysera homepage
- Paysera account benefits
- Paysera currency conversion
- Paysera euro transfer fees
- Paysera payment card fees
- Paysera - FAQ (account opening / verification)
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- Paysera - Visa payment card
- Paysera - how to open an account
- Paysera - Apple Pay & Visa card
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- PKO BP - zasady gwarantowania depozytów
- PKO BP - konto walutowe
- PKO BP - pakiet walutowy
- PKO BP - kod bic swift iban
- PKO BP - uniwersalna karta do konta
- PKO BP - kantor internetowy mobilny 24h
- PKO BP - przelew zagraniczny walutowy
- PKO BP - entities covered by guarantees
- PKO BP - google pay
- IKO PKO Bank Polski - Apple App Store listing
- PKO BP - jak otworzyc konto osobiste online
- PKO BP retail hotline IVR language menu (owner-verified)
- PKO BP - Konto bez Granic (cudzoziemcy)
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- PKO BP - Taryfa prowizji i opłat: karty debetowe (przewalutowanie 4%)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Where you can sign up for Revolut (Poland)
- Revolut deposit insurance information (LT)
- Revolut Multi-Currency Account (PL)
- Revolut compare plans (PL)
- Revolut personal Standard fees (PL)
- Revolut currency exchange fees (PL)
- Revolut disposable virtual card (PL)
- Revolut Metal plan benefits (PL)
- Revolut Metal (PL)
- Revolut Plus (PL)
- Revolut Ultra (PL)
- Which Revolut companies provide me with services (Poland)
- Supplement to Revolut Payments UAB Personal Terms (Poland)
- Verify my identity (Poland)
- What currency account details are available for me
- Bank transfer fees (SEPA / SWIFT)
- How to contact Revolut Support (Poland)
- Deposit Insurance Information (Poland)
- Revolut - transfers (SEPA/SWIFT)
- Revolut - identity verification / supported residents
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- Revolut - inwestowanie (akcje/ETF/plany)
- Revolut - plany i opłaty (en-PL); karta debetowa, FX, bankomaty, ochrona środków
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Eligible countries for Revolut Business (Poland)
- Revolut Business pricing (PL)
- Revolut Business Grow fees (PL)
- Revolut Business corporate cards (PL)
- Revolut Business expenses and invoicing (PL)
- Revolut Business invoices (PL)
- Revolut Business account (PL)
- Revolut Business multi-currency accounts
- Revolut Business plany PL
Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- UniCredit (Poland) - d. Aion
- UniCredit Poland
- UniCredit completes Aion/Vodeno acquisition
- UniCredit Konto osobiste
- UniCredit Lokata
- UniCredit Konto oszczędnościowe
- UniCredit PL deposit guarantee
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- Aion Bank - eligible countries
- Aion Bank - what documents do I need
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Where do I need to live to hold money with Wise?
- Wise Cennik (PL)
- Wise Konto Wielowalutowe (PL)
- Wise: which currencies can I add/keep/receive
- Wise: receive with GBP account details
- Wise: how is Wise regulated
- Wise: how Wise Europe SA safeguards funds
- Wise Platform: ordering cards
- Wise - Apple App Store listing
- Wise Help Centre - what you need for ID verification
- Wise - send money from Poland (kurs mid-market)
- Wise - Help Centre (verification / eligibility)
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- Wise - Card Supplement Agreement (TW Europe)
- Wise - Wise card with Apple Pay / mobile wallets
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
Directly with the provider - you do not open an account with us. The link may be an affiliate link.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
WTP Finance is informational only. We do not broker contracts, handle funds or provide financial advice. Always verify the terms with the provider.