Poland is the best country for owners of their own business and people who decide to open private business in this country. The main advantage is a stable banking system.
Polish financial market has representatives of local and foreign banks. Most foreign financial institutions from Germany.
Almost all banks in Poland have a customized Internet banking system. This allows you to make purchases on the Internet, simply by using the online service.
What banks are there in Poland
The financial market of this country is saturated and has many representatives who offer their services at a high level. Consider the most popular financial institutions operating in Poland.
mBank
In 2000, a new financial structure, nBank, began its work. After the appearance of this bank, a real revolution took place in the country. An opportunity has opened up to transfer funds without leaving home, using the Internet for this. For a short period (5 years), the number of customers was about 5 million. The financial institution is considered comfortable for saving savings.
PKOBank Poland
The bank began operating in 1919, but was not very popular among ordinary citizens. The situation changed in 1974, when it became possible to open a personal account to store savings. The bank keeps its traditions and is considered to be one of the first banks that started its activity on the territory of the Republic of Poland. Has a reliable reputation with its clients, suits legal and individuals. The capital totals about PLN 1.25 billion.
BZWBK
Bank Zachodni was formed after the merger, in 2001, of two financial institutions. 2011 was a favorable year for him - the bank joined one of the largest groups in the world - SantanderGroup. A couple of years later, it takes over KredytBank, which led to the fact that BZWBK took the third place in Poland in terms of scale. Bank Zachodni has more than 1000 branches throughout the country and became one of the first owners " mobile bank". In 2012, it was recognized as the best for customers and making payments using mobile services.
bankmillennium
This organization was founded as economic bank in 1989. It is one of the first banks to be listed on the stock exchange. valuable papers in Warsaw. 8 years after the establishment, they will merge with Bank Gdański SA and one bank from Portugal. The name BankMillennium appeared in 2003. Since then, it has the status of one of the largest and most influential banks in Poland. The company provides services to individuals and legal entities ideal for doing business.
You can open the following accounts:
Konto360° - suitable for salaries and pensions, has a mobile account.
DobreKonto – for citizens or companies with a good turnover of funds exceeding PLN 1,000.
INGBankŚląski
Established in 1989 and throughout its existence has a good reputation among citizens. It is one of the four best companies in the country, serving more than 3 million people. INGBank aims to work with all categories of clients - young people, workers, students, and private entrepreneurs. The capital is PLN 130 million.
Bank Pekao S.A.
Bank Pekao has been operating in Poland for over 80 years. Established in 1929, the bank has undergone numerous reorganizations. He also changed his logo after joining UniCredit. It is among the top three in the country. Its most sought after product is mobile bank. The company provides a wide range of services for entrepreneurs, due to which it is optimally suited for business.
Poland has a wide range of financial institutions. This allows you to select a bank according to individual preferences, choosing the best conditions. Stability financial system attracts more and more foreign investors, improving conditions banking services for the population of the country and entrepreneurs.
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Any immigrant sooner or later faces the need to open an account in a Polish bank. It doesn’t matter if you come to work, want to or, in all cases you will need a bank account (card).
Opening bank account in Poland
What difficulties can a foreigner face when trying to open an account and what questions most often arise:
In which Polish bank should a foreigner open an account?
The banking system in Poland is very well developed. Here are branches of almost all major European financial institutions such as Raiffeisen Bank, Deutsche Bank, Bank Santander. Among Polish banks, the most popular can be called PKO Bank Polski, Pekao Bank, Bank Millennium.
When choosing a bank, it is important that it meets several criteria:
- works with foreigners who do not have a residence permit or permanent residence (according to a foreign passport)
- not required
- cheap service - ideally free
- availability of internet banking
The author of the article was faced with the need to choose a bank back in 2014 and chose from two branches that were within walking distance from his place of residence. These were PKO Bank Polski, Bank Millennium. After talking with the managers and finding out that the conditions are practically the same, I chose PKO bank (this is not an advertisement), I just liked the manager more)
What was offered to me? Opening a bank account in PLN konto za zero » — free + free service accounts.
- Issuance of a card linked to an account is also free of charge + free maintenance of the card, provided that the client makes transactions with the card for at least PLN 300 per month (otherwise PLN 6.90 per month).
- A huge plus is free Internet banking and free transfers from account to account within my bank and for 0.99 pennies to any other bank. Roughly speaking, and account and card are completely free for the client.
- cash withdrawal in the network of ATMs of PKO Bank and its partners — Free of charge
- Paid services on request— individual card design 14.90 PLN and a card " Konto bez granic » for 17 PLN per month, which allows you to withdraw money for free from ATMs of any banks and some other bonuses that I didn’t need.
You can read more about the types of accounts for individual clients and service fees on the official website of PKO Bank.
How to open an account in a Polish bank for a foreigner?
So, we have decided on the bank. We're going to open an account. We approach any manager and declare our intention to open an account. What to do if you do not speak Polish from the word "generally"? School knowledge of English will help you, but if there are none, just remember a couple of phrases:
Chcę zalozyć osobiste konto bankowe z kartą. Pożądane jest, aby opłaty związane z obsługą konta i karty byłi minimalne i ogólnie lepsze bez prowizji
This will be enough for any manager to understand what you want from him.
What documents are needed to open an account in a Polish bank?
Individual client to open an account, you must provide your tourist (foreign) passport or if you already have a residence permit in the country. In addition to your passport, you will be asked to provide the following information:
- parents' data (mother's and father's first and last name, mother's maiden name)
- address of permanent registration in Ukraine (or other foreign country)
- if you are employed, the name and address of the company (the bank will notify the employer of the opening of the account)
- Polish phone number(mandatory to activate the account);
- address for correspondence in Poland (the map will be sent here)
Production time plastic card 5-7 days. Comes in an envelope by mail. You will also receive an envelope with a login and password to access Internet banking. That's basically the whole procedure - your account is open.
How to open an account in a Polish bank for a company?
Above, we considered the option of opening an account for an individual client. If you need to open an account for a business (company) in Poland, the situation becomes a bit more complicated. To open a corporate account, you will need to provide: a company registration certificate, certified copies of the company's charter and documents of company representatives who will have access to the account and manage funds.
However, the same PKO Bank provides a remote account opening service via the Internet. You fill out an online form on the site, after a while a courier will come to you to sign 2 copies of the contracts. After signing, the courier will hand you an envelope with a login and password to online banking. The card to the corporate account will also be delivered within 5-7 days by mail.
How much does it cost to maintain a company account? Here is a screenshot from the official website of PKO Bank
For those who do not read Polish:
- The bank offers opening and account maintenance is absolutely free
- Opening a card linked to an account - FREE OF CHARGE
- transfers using Internet banking - free of charge
- As a bonus - for young companies (up to 1 year) - the first 6 months all operations are free + free access for six months to the online accounting platform
Getting a loan in Poland with an account
Everyone has already heard about the low interest rates on loans in Europe. Yes, this is true, but you need to understand that when applying to a bank for a first loan, you don’t have to rely on a large amount, since you don’t have any credit history in the country. The more often you use loans and repay them regularly, the higher your credit rating and the amount that the bank will be able to lend you. All information about credit history falls into a single database BIK - Biuro Informacji Kredyrowej or Credit Information Bureau.
Interest rates on loans and deposits in Poland
Interest rates on loans in Poland depend on the form of lending. Most high percent set on cash loans — within 9-11% per annum. Mortgage loan - from 3.5 to 5% per annum
But it should be understood that the policy of low interest on loans entails low interest on deposits (lokata) / Annual interest on a savings deposit account rarely exceeds 4% per annum, in foreign currency interest rates 1.5-2 times lower.
Those. by making a deposit of 10,000 PLN per year you will earn a maximum of 400 PLN. In other words, earning on placing money against a deposit in a bank is not very profitable. But that's not all. From the income received on the deposit, you are obliged pay 19% income tax from savings and dividends.
How much does it cost to open an account in a Polish bank?
Interesting news, according to the Polish Law, until August 8, 2018, all Polish banks are required to provide citizens of Poland with a free bank account.
With the pricing situation at PKO Bank, I have provided the information above. Opening an account is free. The situation is similar in other banks - if you use an account (pay in a store, make purchases on the Internet, etc.), then servicing the account will be free for you. If the card is “inactive”, you will be charged a small monthly commission for account maintenance within the range of 5-10 PLN.
As for accounts in different currencies, today many banks offer their customers a multi-currency account with one card, where one card allows access to accounts
Bank guarantees for the return of deposits
This moment is of great interest to the citizens of Ukraine, who, through their bitter experience, have repeatedly encountered a situation where a bank went bankrupt and all funds in their accounts were frozen. At best, depositors waited for years for a return of funds, and at worst, they simply lost all their savings.
How is it in Poland? The state guarantee for the return of deposits works here like this - Fund Bank Guarantees(BFG) undertakes within 20 days return from the moment of bank failure deposits up to 100,000 Euro .
The source in this case is not the state budget, but a fund that is replenished with annual contributions by member banks (BFG). And the state, represented by Komisja nadzoru finansowego (Financial Supervision Commission), already controls the filling of the fund.
All banks operating in Poland are members of the BFG.
What can we offer?
We provide services for the registration of companies and. For all questions, please contact the phone numbers listed on the site.
If you come to Poland for a long time, or even more so if you are going to work here, then you will most likely need to open a bank account in order to receive a salary on it, or simply pay with a card in a store.
By the way, in Poland with a card, you can pay for almost everything, from bus fare to the fee for registering a car in Uzhonda.
Opening an account in a Polish bank
Opening a bank account in Poland is very simple. To do this, it is not even necessary to have a residence permit, just a visa that allows you to stay in Poland is enough.
In most large bank branches, the staff speaks English, so even if you do not know Polish, this should not be a problem.
But do not register online, the fastest and effective way will apply directly to the bank of your choice, where you can hand over all the documents and fill out the necessary applications on the spot.
Documents required to open a bank account
No special documents are required to open an account in a Polish bank. It is enough to present a passport with a visa or permission for temporary or permanent residence(residence card, Karta Pobytu, residence permit, permanent residence, EU Resident Card).
Some banks may ask for a pesel (PESEL) and even refuse to open an account without it. But officially in Poland there is no law requiring foreigners to have a dog.
To open an account, you need to come to any branch of the bank you have chosen and ask the staff to help you open an account.
At the bank, you will need to fill out a questionnaire with all your data, and indicate to which address to send the payment card. The fact is that all cards are issued with personalized names, and it will not work, as in Ukraine, in 10 minutes to get a card ready for payments. The bank will print your card and send it to the address you specified within 7-10 business days. After that, you need to activate it, via the Internet or by phone (all instructions for activating the card will be given to you at the bank) and you can use it.
Payments and commissions of banks in Poland
A pleasant surprise for bank users is that transfers within the bank and even between different banks in Poland are free. The country has general system ELIXIR transfers, for the use which the fee is not charged, but term of funds transfer 2-3 banking days . There is another system ELIXIRExpress, which will transfer money faster e, but the transfer fee will be PLN 3-5. When paying by card in the store, no commissions are also charged.
With a free transfer system, the bank earns by charging a fee for servicing a card or account. Usually this amount is about 5 - 7 zł per month. But if certain conditions are met, for example, payment by card for PLN 300 in total per month, or regular receipts of money to the account, the commission for using the card/account is not paid. Different banks offer different conditions how to avoid fees. And if you regularly use the card, then most likely you will not have to pay a commission.
What can they charge a fee for when using a card in Poland
Below is a list of not the most obvious transactions for which Polish banks can charge you a commission. Be careful and read the terms and conditions of your bank.
Commission for withdrawing funds from the card through an ATM
The bank takes money for withdrawing a very small amount from the card at an ATM. If an mBank or Alior Bank client withdraws PLN 100 or more from a Euronet ATM, the operation will be free of charge, but if it is a smaller amount, he will pay a commission. It is PLN 3 in case of mBank and PLN 5 in Alior. The fee isn't particularly high, but it can be very annoying.
Savings account withdrawal fee
Commission for the withdrawal of funds from a savings account. If it does accrue, it usually only happens after the second and every subsequent payment in a calendar month. Usually it ranges from 5 to 10 zlotys. This is annoying, because often this amount exceeds the amount of interest that we receive for a given month.
This is due to the fact that currently the interest rates for such accounts are very low. For example, with an amount of less than PLN 10,000, Pekao is only 0.2% per year. If the average account balance is PLN 3,000, then after 30 days we will receive only PLN 0.40. Meanwhile, the fee for the second withdrawal from the account per month in this bank is PLN 8.
Card or account maintenance fee
Banks often apply the principle that we can use our account or card for free, but under certain conditions. Usually you need to make a certain number of payments or secure a certain amount. For example, a Citigold account holder with Citi Bank can pay up to PLN 220 for its maintenance. Millenium Bank also charges for account maintenance if less than PLN 1000 is received per month.
Commission for transactions in foreign currency
The cost of currency conversion in banks is very high. More and more banks are introducing currency and multi-currency cards that allow these fees to be reduced.
If you transfer money from an account in PLN to a foreign currency or vice versa, the amount will be converted according to bank rate. However, it has a hidden fee of about 3% of the amount to be converted. Therefore, if instead of a savings account you transfer PLN 10,000 to a foreign currency account, then we will lose about PLN 300 in such an operation. If you want to transfer money to a zloty account, the bank will exchange the currency again and you will lose another 300 zlotys.
Which bank to choose in Poland
The banking system in Poland is quite stable, here banks do not appear and disappear every day, and the total number of banks throughout the country does not exceed 20. There are both Polish banks and foreign ones, mostly German banks. Here list of all banks that are represented in Poland:
- Alior Bank
- Bank BHP
- Bank Millennium
- Bank Pekao
- BOŚ Bank
- BZ WBK
- Citi Handlowy
- Deutsche Bank
- Eurobank
- Getin Bank
- Idea Bank
- ING Bank Slaski
- mBank
- PKO BP
- Raiffeisen Polbank
- Volkswagen Bank
- Toyota Bank
Almost every bank has its own Internet banking system, in which you can make all the basic monetary transactions - transfers, payments, purchases via the Internet, opening a deposit and others.
The most popular banks in Poland:
- Deutsche Bank
- mBank
- PKO Bank Poland
- WBK Bank Zachodni
- Bank Millennium
- ING Bank Slaski
- Bank Pekao
Banks in Poland with service in Russian or Ukrainian
Many Polish banks provide services in Russian and Ukrainian in order to attract customers.
- Millennium - Ukrainian and Russian "hot line";
- Pekao - there is a Ukrainian "hot line", documentation in Ukrainian and mobile app in the same language
- Getin Bank - in certain cities and branches there are Russian-speaking consultants, a website in Ukrainian and telephone lines are also served in Ukrainian;
- Santander - hotline in many languages;
- ING Bank - Russian-speaking telephone consultations
- RaiffeisenBank offers its customers a Ukrainian-language version of the website
- Credit Agricole - brochures, documentation, information about opening and state of the account, mobile application - all this is available in Ukrainian. In the near future, the telephone line will also work in different languages.
Millennium bank account - Konto 360°
Account maintenance fee - 8 zł per month, but if the amount of more than 1000 zł per month is credited to the account and one payment by card, the maintenance fee will not be charged.
Payment for a bank card - 7 zł per month but under the same conditions as for an account, payment is not taken.
Cash withdrawal through ATMs - in all ATMs of the world without commissions. (not charged if the account receives at least PLN 1000 per month and one card payment).
The bank has internet banking and mobile banking. It is also possible to open an account online.
Comparison of conditions in different Polish banks
The Polish Financial Control Commission has created a website where you can check and compare the cost of various banking services: account maintenance fees, remittance or top up your account.
On the site porownywarka.knf.gov.pl you can find popular Polish banks that have at least one branch in each voivodship, namely: Bank Millennium, Bank Ochrony Środowiska, Bank Pocztowy, Credit Agricole Bank Polska, Getin Noble Bank, ING Bank Śląski , Idea Bank, Nest Bank, PKO BP Bank Polski, Plus Bank, Pekao, Santander and mBank.
On the service, you can find only those banks that have submitted the necessary information to the Financial Control Commission. But, in turn, the Commission assures that the list of banks will be replenished.
On the site you can check the following data:
- payment for account maintenance;
- refill;
- cash withdrawal;
- SMS informing;
- the cost of translations;
Polish bank card in Ukraine
If you want to use the card in Ukraine, then the most optimal conditions are offered by banks - BGZ BNP Paribas and Idea Bank. When opening an account with these banks, you do not need to pay for maintaining an account or using a bank card.
Conditions for using the BGZ BNP Paribas Konto Optymalne bank card:
- a commission will be charged for a foreign transfer, which is at least PLN 30, the interest rate is only 0.2%
- the structure of the group includes the Ukrainian Ukrsibbank, so you will have the opportunity to transfer money to an account with Ukrsibbank with a commission of only 10 PLN
- free withdrawal of funds from ATMs of UkrSibBank in Ukraine
- in case of using other ATMs in Ukraine, customers pay a commission of PLN 10
Conditions of Idea Bank with Kontem Idealnym offer:
- a commission will be charged for a foreign transfer, which is at least PLN 30, the interest rate is only 0.25%
- when withdrawing cash in Ukraine, you pay a commission of at least PLN 10 (2%)
Conditions of Raiffeisen Polbank offer Wymarzonym Kontem Osobistym:
- account maintenance is free
- in order not to pay also for the use of a bank card (payment is PLN 3), the client must use the card once a month
- a transfer to Ukraine costs PLN 35, and each payment from a foreign ATM is subject to a 3% commission, although the bank always charges at least PLN 8 for a transfer
How to close a bank account in Poland
When you open an account with a Polish bank, you sign an agreement with it under which the bank provides certain services - paid or free. Accordingly, the closure of the bank account is the termination of this agreement.
Unless otherwise specified in the contract, the standard term for informing the bank of your desire to terminate relations with it is 30 calendar days. In rare cases, you can ask for the immediate closure of the account. The bank will meet you halfway if the reason is a change in tariffs and provisions planned for the near future. But even in this case, the bank can reserve 7 days for itself to consider your application.
Exists four ways to close an account:
- In person at a bank branch. You need to come to the bank branch and fill out a form with a request to terminate the contract and close the account. All banks provide this option. The address of the nearest branch can always be found on the bank's website.
- By registered mail. This option is also practiced by all banks in Poland. You can write a letter yourself or download the appropriate form from the bank's website. In any case, the letter must contain information that will identify you as a client. The letter must be sent either to the branch that services your account, or to the correspondent address of the bank. The mentioned 30 days will be counted from the moment the bank has received the letter.
- Through the bank's telephone information line. Not available in all banks. A quick way, if you do not take into account the time for waiting for a consultant.
- Through the Internet. So far, not all Polish banks allow you to close an account through an individual user account on the bank's website.
It is worth adding that many banks allow you to cancel a payment card without closing your account. This option makes sense if you do not pay anything for maintaining an account, but servicing a card entails provisions.
How do I know that the account is closed and no longer serviced? Confirmation can be the transfer of the balance to another account - this happens on the last day of your agreement. Some banks inform about this via SMS.
In order to close an account, you must prepare the following information:
- surname and name of the account holder
- PESEL number or passport number
- address provided when signing the agreement
- account or bank account number
- details of another account to which the balance of funds from your account will be transferred
Loans in Poland
Recently, the Polish government has pursued a policy aimed at reducing tax rates, so now the interest rates on loans in Poland are quite low. This allows more people to enjoy bank loans which contributes to the development of the country's economy. Base interest rates on loans are set by Advice on monetary policy Poland-
Rada Polityki Pienieznej or RPP.
Poland has common base credit data - Credit Information Bureau or BIK (BIK), where all the information on all your loans goes. And before issuing a new loan, the bank checks your credit history for this database.
Some sources indicate that the first time you apply to a bank for a loan, you will not be able to get a loan for a large amount, or mortgage- it is not true. If you provide evidence that you have a high and stable income, then the probability that the bank will refuse you is not so big.
But if you have already had problems with paying off a loan in Poland, then this information will be in the BIC database, and the bank will receive this data and take it into account when making a decision.
Deposits in Poland
Since the interest rate on loans is quite low, then the interest on deposits in Poland will be incomparably lower than in Ukraine. On average, banks offer interest rates for deposits of about 2-3% per annum. And to earn a lot on such a deposit, it will not work. In addition, you need to remember that you still have to pay tax on income from the deposit, in the amount of 19% of income. So keeping money on deposit in a bank is not a very profitable occupation.
Many Ukrainians who live in Poland or come to this country to work are faced with a situation where it is necessary to transfer money to their native country. Which method is better to choose in order not to pay a large commission? The portal site has made for you a selection of the most popular and profitable ways to transfer money.
The second way is one of the cheapest and most popular - online transfer through PayUkraine. The service, created specifically for Ukrainians in Poland, literally “blew up” the market due to its special approach to Ukrainians and favorable conditions. Regardless of the transfer amount, you will only pay a fixed commission - PLN 6.99. And with the promo code SS723, you will make the transfer absolutely free. You can transfer up to PLN 4,000 per day from a card or account of any Polish bank to a card of a partner bank of PayUkraine - PrivatBank. A convenient application and a clear website allow you to make a translation in just a few clicks - without lengthy data entry. The service clearly deserves your attention, you can make a transfer on site.
And the sixth, fairly common and cheap way, is to transfer money through drivers who travel from Poland to Ukraine. They charge an average of 20-30 zł for this service. You can contact and negotiate with the driver using the website blablacar.com.ua. At the same time, there is no guarantee that your money will arrive safe and sound. Therefore, first look at how long this driver has been making trips from Poland to Ukraine and read reviews about him on the site.
The real story of the detention of a foreign card by an ATM of a Polish bank ended in victory for the strange policy of a Polish bank. The admonitions that this is the only way to pay and get cash have no effect.
Tourism in Poland is, of course, developed. As well as the services associated with it. But payment bank cards is not possible in all places, although it seems to be ubiquitous. Going on a trip, of course, it is much easier to keep money on the card. Often tourists do just that - they pay with a card everywhere, and if cash is needed somewhere, they go to an ATM and withdraw the amount they need in the currency of the state in which they are located.
There are also workers from non-EU countries. They also often use the cards of their banks that are not located in Poland.
The situation looked similar in the described case. PKO Bank Polski SA (not to be confused with PEKAO - a mistake is possible, since the names sound the same as "Pekao") has a huge number of ATMs in Poland. As well as many branches across the country. It is the largest player on the Polish banking market. Many who have been to Poland have probably met with the logo of this bank in the form of a stylized piggy bank. Taking advantage of the fact that the PKO ATM was at hand, the hero of this material with a Sberbank card in his hands decided to use the services of the PKO Bank ATM to withdraw cash.
As a result, the card of Sberbank of Russia, when pressing "withdraw cash" and choosing the currency "Polish zloty", was detained by the ATM without warning. The situation was complicated by the fact that the time was 21 hours Warsaw time.
A call to PKO ATM support revealed a surprising state of affairs. It turns out that all cards held by ATMs of the PKO bank after their withdrawal are subject to instant destruction. The card cannot be returned even by a bank employee, even if the card was detained during the working hours of the bank branch, even if in front of his eyes.
"You don't have to let your clients know everything"
The fact is that, paradoxically, Bank Polski PKO ATMs are serviced by a third-party company. In addition, according to the expert hotline” of the bank, the procedure for holding and returning cards is regulated by the internal documents of the bank. To a clarifying question about the possibility of reading these rules somewhere, the specialist answered literally the following - “this is an internal order of the bank. A bank is not required to disclose all of its documents to customers.”
There are no exceptions to this rule. The admonitions that “I am a tourist”, “a card of a foreign bank”, “I have no cash” - collided with amazing logic - “you still have the opportunity to turn over cash and the ability to withdraw it from the account”. It's funny that nothing said about a foreign bank, about the only opportunity to withdraw money, etc., was heard. There was only one answer - "you need to order new card” and “you can order a card of our bank in any of our branches”.
Everything would be fine if the conversation was conducted with an auto-informer. But a live specialist spoke. The indifference and cynical ignorance of the problem as such is striking.
The age of subsistence farming and exchange
It is also striking that this is Europe and the 21st century is outside the window. A century when the fact of owning a given card can be confirmed not only with a passport, but also with all kinds of applications, up to a fingerprint. But it turns out that this is not enough. Apparently, the automated state of affairs does not suit someone. It is much more interesting to handle a lot of paperwork, waste the bank employees' labor hours and the client's time (although what time is there for the client when he does not need to be informed about such subtleties as card retention and the difficulties that await him).
The situation turned out to be deeper after questioning Polish citizens on this topic, with whom a similar story happened with their cards of Polish banks. It turned out that she looked like this.
Regardless of the name of the bank, the branch employees ignored the incident, stating that it was not their problem, but some third-party organization that services their bank's ATM. Yes, just the one that stands in their hall and pasted over with their logo.
In this material, we will not cite the names of banks given by the respondents. We will limit ourselves to the name of the one with which the author had the opportunity to discuss the detention of the card personally - Bank Polski PKO. But be careful - there are no ends to be found.
The conclusion is simple
If you are a tourist in Poland and your ATM “ate your card”, and you have no money, they will not listen to you and make exceptions for you, too. What to do in such a situation? I want to believe that the police will help. Even just contact the consulate. No need to immediately rush to “squeeze” the phones of passers-by. Remember the testament of the hero Andrey Mironov - “Russo tourist! The face of morality!”.
Moreover, you need to remember - when traveling to Poland, it makes sense to keep cash with you. In dollars or euros. Like emergency stock. Despite all the apparent transparency, customer focus and technology, you should only rely on your ingenuity and on the sayings “the stock does not pull” and “do not have a hundred rubles, but have a hundred friends”. Friends can be asked to transfer money through popular systems with the issuance of them at one of the points. To do this, it would be nice to have enough funds on the phone to call home.
Be careful with ATMs in Poland so that nothing can overshadow your travels in this beautiful country, life or work in it.