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Santander Bank Polska review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Santander Bank Polska, now Erste Bank Polska, suits people in Poland who want a bank account with no monthly fee, no currency conversion charge and an easy access savings pot paying 4.5%. Costs are minimal, though the whole setup runs through Erste internet banking and the app.

Key facts

Best for
A Polish everyday account with free currency handling and a savings pot that pays interest monthly.
Monthly fee
PLN 0↗
Currency conversion fee
0%↗
Currencies
21↗
Free ATM withdrawals
PLN 0↗
Transfer fee
Free (0 PLN) for standard and instant online transfers↗
Legal entity
Erste Bank Polska S.A. (formerly Santander Bank Polska S.A.)↗
Headquarters
Poland↗
Founded
1988↗
Support channels
Phone, Email, Help-centre↗
Audience
Expats, Travelers, Business, Teens
Pricing model
No monthly fee, Low FX fees
Features
Free ATM withdrawals
Official website
santander.pl

Savings

Headline rate
4.5%↗
Rate type
Variable↗
Minimum deposit
PLN 0.010↗
Access terms
Opened and used online via Erste internet banking or Erste mobile app; monthly interest paid on the last day of each month↗
Account kind
Easy access↗

Money transfer

Delivery time
Instant, funds settled on accounts immediately after the transaction↗
Payout methods
Bank, Cash-pickup↗
Fee to send 1,000
PLN 0↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
LinkedInyoutube.com

Pros and cons

Pros

  • The monthly fee is PLN 0 and the currency conversion fee is 0%, so holding several currencies costs nothing to run
  • Transfers cost Free (0 PLN) for standard and instant online transfers, so standard and instant online payments go out without a charge
  • The easy access savings account pays 4.5% on a variable rate, above the 3% site median
  • Cash machine withdrawals come with a free allowance of PLN 0

Cons

  • Opening and everyday use run through Erste internet banking or the Erste mobile app, with the easy access savings pot handled the same way
  • The savings rate is variable, so the 4.5% can move rather than stay fixed
  • Currency reach is modest at 21 currencies, against a multi currency high of 360
Santander Bank Polska

Ready to try Santander Bank Polska?

Scored 9.4 / 10 by VaultCue.

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Who it suits

  • People living and banking in Poland who want an everyday account with no monthly charge
  • Expats and travellers who hold several currencies and want no conversion fee
  • Anyone who wants an easy access savings pot paying 4.5% on a variable rate

Who should look elsewhere

  • Skrill, if you would rather hold a balance in a wallet than run a Polish bank account covering 21 currencies
  • PayPal Colombia, if a wallet and card based balance suits you better than a bank account converting currency at 0%
  • Plazo ES, if you want savings outside Poland rather than an easy access pot paying 4.5% on a variable rate

Fees and currency costs

The everyday account carries a monthly fee of PLN 0, and converting between the currencies you hold costs 0%. Transfers cost Free (0 PLN) for standard and instant online transfers, so standard and instant online payments leave the account without a charge. A monthly fee of nothing alongside a conversion fee of nothing is an unusual pairing, and it keeps the running cost of holding several currencies down.

How Santander Bank Polska compares

Where Santander Bank Polska is available

Available
Poland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to hold this account?+

The monthly fee is PLN 0, so you can keep the account open without paying anything each month. It ranks first on monthly fee, at position 1 of the brands compared, while monthly fees elsewhere run to €449.

What does it cost to change money?+

The currency conversion fee is 0%, so converting between the currencies held in the account adds nothing. Multi currency accounts on the site sit at a median of 0.3%, so this is a clear saving for anyone spending or earning in more than one currency.

What do outgoing transfers cost?+

Transfers cost Free (0 PLN) for standard and instant online transfers, so standard and instant online payments leave the account without a separate charge. Payouts run bank and cash pickup, which is handy if you need cash as well as a plain bank transfer, and settlement is instant.

How much interest can I earn?+

The easy access savings account pays 4.5% on a variable rate, with interest credited on the last day of each month. The minimum deposit is PLN 0.01, so you can start small, and the site median for this kind of account is 3%.

How do I open and use the account?+

Everything runs online. The savings account is opened and used through Erste internet banking or the Erste mobile app, and the account kind is easy access, so money stays available whenever you want it rather than locked away for a term.

Can I use cash machines and get help?+

Cash machine withdrawals come with a free allowance of PLN 0, and support runs phone, email and help centre, so you can reach a person by phone, send an email or use the help centre. That mix suits anyone who prefers a phone call to a chat window.

How many currencies can I hold?+

The account covers 21 currencies, which is above the 5 median for multi currency accounts. Some accounts on the site reach 360, so this suits a working set of currencies rather than a long shopping list of them.

Who runs the bank and what about my money?+

The account is run by Erste Bank Polska S.A., previously Santander Bank Polska S.A., a Polish bank founded in 1988 and based in Poland. Deposits sit with the bank itself, so ask it directly what protection applies before you hold a large balance with it.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Deposit protection.

Santander Bank Polska

Santander Bank Polska

A Polish everyday account with free currency handling and a savings pot that pays interest monthly.

9.4/10See alternatives