The following list of banks in Poland is to be understood within the framework of the European single market, which means that Poland's banking system is more open to cross-border banking operations than peers outside of the European Union. It is based on the register of supervised entities maintained by the Polish Financial Supervision Authority (KNF), as of .
The National Bank of Poland (NBP) is not under KNF's supervision. Bank Gospodarstwa Krajowego (BGK), a state-owned development bank, is under KNF supervision under Polish law but is specifically exempted from the EU Capital Requirements Directives.
Systemically important banks
As of 2025, KNF had designated the following Polish banks as systemically important, listed here by decreasing score of systemic importance:
- Powszechna Kasa OszczÃÂdnoÃ
Âci Bank Polski SA (known as PKO Bank Polski or PKO BP), 31-percent-owned by the Polish state directly (29%) and via BGK (2%)
- Santander Bank Polska SA, 49-percent-owned by Erste Group since January 2026
- Bank Polska Kasa Opieki SA (known as Bank Pekao), 33-percent-owned by the Polish state via PZU (20%) and PFR (13%)
- ING Bank Ã
ÂlÃÂ
ski SA, majority-owned by ING Group
- mBank SA, majority-owned by Commerzbank
- Bank Handlowy w Warszawie SA, majority-owned by Citigroup
- BNP Paribas Bank Polska SA, majority-owned by BNP Paribas
- Bank Millennium SA, majority-owned by Banco Comercial Português
- Bank Polskiej SpóÃ
ÂdzielczoÃ
Âci SA, central entity of the cooperative BPS Group
- SGB-Bank SA, central entity of the cooperative SGB Group
The latter two cooperative banking groups, BPS and SGB, each relies on an institutional protection scheme.
Other joint-stock banks
Based on the KNF's register of "banks operating as joint-stock companies":
- Alior Bank SA, 32-percent-owned by PZU
- Bank BPH SA, legacy mortgage arm of Alior Bank
- , majority-owned by the
- Bank Ochrony Ã
Ârodowiska SA (BOÃ
Â), majority-owned by the
- Bank Pocztowy SA, majority-owned by Polish Post
- , majority-owned by Crédeit Agricole
- , majority-owned by Deutsche Bank
- , majority-owned by DNB Bank
- Getin Noble Bank SA, under liquidation since 2023
- IBK Bank Polska SA, majority-owned by Industrial Bank of Korea
- , mortgage arm of ING Bank Ã
ÂlÃÂ
ski
- , mortgage arm of mBank
- , mortgage arm of Bank Millennium
- , fully-owned by AnaCap Financial Partners
- , mortgage arm of Bank Pekao
- , mortgage arm of PKO BP
- , affiliated with
- Santander Consumer Bank SA, fully-owned by Banco Santander
- , subsidiary of Toyota via
- , majority-owned by Cerberus Capital Management
Cooperative banks
Poland has a long tradition of cooperative banking. As of early 2026, the KNF register included 488 cooperative banks (), the vast majority of which were members of either the BPS Group or the SGB Group. The remaining independent local cooperative banks were:
Credit Unions
() are under a separate framework from cooperative banks, and are exempted from the EU Capital Requirements Directives. At end-2023, there were 18 such Polish credit unions with total assets of ca. US$2.7 billion.
Foreign branches
Based on the KNF's register of "branches of credit institutions":
- Aareal Bank AG
- Allfunds Bank SAU
- AS Inbank
- Bank of China (Europe) SA, subsidiary of Bank of China
- BFF Bank SpA
- BNP Paribas SA
- CA Auto Bank SpA
- CaixaBank SA
- China Construction Bank (Europe) SA, subsidiary of China Construction Bank
- Citibank Europe plc, subsidiary of Citigroup
- Danske Bank A/S
- Euroclear Bank SA/NV
- Goldman Sachs Bank Europe SE, subsidiary of Goldman Sachs
- , subsidiary of Haitong Securities
- Hoist Finance AB (publ.)
- HSBC Continental Europe, subsidiary of HSBC
- Ikano Bank AB (publ.)
- Industrial and Commercial Bank of China (Europe) SA, subsidiary of Industrial and Commercial Bank of China
- Intesa Sanpaolo SpA
- , subsidiary of JPMorgan Chase
- John Deere Bank SA, subsidiary of John Deere
- KEB Hana Bank (D) AG, subsidiary of Hana Bank
- Morgan Stanley Europe SE, subsidiary of Morgan Stanley
- Nordea Bank Abp
- Raiffeisen Bank International AG
- RCI Banque SA
- Skandinaviska Enskilda Banken AB
- Société Générale SA
- Trade Republic Bank GmbH
- US Bank Europe DAC, subsidiary of U.S. Bancorp
- UniCredit NV/SA
- Western Union International Bank GmbH, subsidiary of Western Union
- Woori Bank (Europe) GmbH, subsidiary of Woori Bank
As of October 2025, there were no branches of banks located outside the European Economic Area ("third-country branches") in Poland, based on data compiled by the European Banking Authority.
Additional corporate information
Defunct banks
Headquartered on the territory of present-day Poland
Headquartered on former Polish territory
See also
References