BNP Paribas Bank Polska belongs to one of the largest banking groups in Europe (BNP Paribas SA) and serves 4.2 million Polish customers, offering loans, accounts, savings products and advanced agribusiness banking. The lowest cash loan APR at BNP Paribas Bank Polska is currently 8.83%.
Why choose BNP Paribas Bank Polska?
- Global BNP Paribas brand — one of the largest banks in the euro area
- Unique Polish-market specialisation in agribusiness and the agricultural sector
- Wide offer for business customers, including export products
- Attractive personal accounts with loyalty programmes
- Strong leasing and factoring offer for companies
Editorial rating
- Offers 4.4
- Service 4.2
- Online banking 4.4
- Costs 4.3
About the bank BNP Paribas Bank Polska
BNP Paribas Bank Polska in its current form was created from the merger of three banks: Bank Gospodarki Żywnościowej (BGŻ, founded in 1919), BNP Paribas Fortis and the core business spun off from Raiffeisen Bank Polska. The bank is now fully owned by the French BNP Paribas group — one of the largest banking groups in the euro area, with assets exceeding EUR 2 trillion.
BNP Paribas Bank Polska serves 4.2 million retail, business and agricultural customers. Thanks to its BGŻ roots, the bank retains a strong position in the agri-food sector. It offers the full range of products: personal accounts, cash loans, mortgages, deposits, credit cards and specialised agribusiness products. The GoMobile app and online banking provide full remote service.
Active offers
We show the currently active offers and always link to the latest version.
Cash loans
View all offers →Pierwsza Pożyczka
BNP Paribas Bank Polska
- APR
- 8.94%
- Amount
- 20,000 PLN
- Term
- 48 months
- Instalment
- 494 PLN
Kredyt gotówkowy online
BNP Paribas Bank Polska
- APR
- 10.46%
- Amount
- 20,000 PLN
- Term
- 48 months
- Instalment
- 507 PLN
Consolidation loans
View all offers →Pierwsza Pożyczka
BNP Paribas Bank Polska
- APR
- 8.83%
- Amount
- 30,000 PLN
- Term
- 60 months
- Instalment
- 615 PLN
Personal accounts
View all offers →Konto Otwarte na Ciebie w promocji "Bonus na wiosnę"
BNP Paribas Bank Polska
- Monthly fee
- Free
Business accounts
View all offers →Konto Otwarte na Biznes
BNP Paribas Bank Polska
- Monthly fee
- Free
Pros and cons
Pros
- International group providing stability
- Unique products for farmers and agri-food businesses
- Advanced business banking, including international operations
- Good welcome promotions for new retail customers
Cons
- GoMobile app slightly trails the leaders (mBank, Santander)
- Lower brand recognition in the retail segment
- Account costs can rise when bonus conditions are not met
How to apply — BNP Paribas Bank Polska
BNP Paribas Bank Polska is part of the global BNP Paribas group, built from the merger of BGŻ, BNP Paribas Fortis and Raiffeisen Bank Polska.
- 1
Choose a BNP Paribas offer
Check current BNP Paribas Bank Polska products in our ranking.
- 2
Go to the bank
Click the CTA to go directly to the BNP Paribas application page.
- 3
Fill in the online application
Use the GoMobile app or bnpparibas.pl. Prepare your ID and income documents.
- 4
Receive a decision
Existing customers get a credit decision within hours. New customers — within 1–2 business days.
Frequently Asked Questions
Which banks make up today's BNP Paribas Bank Polska?
BNP Paribas Bank Polska in its current form was formed by merging Bank BGŻ (Bank Gospodarki Żywnościowej, with roots going back to 1919), BNP Paribas Bank Polska (the former Fortis Bank) and the core business spun off from Raiffeisen Bank Polska (acquired in 2018).
Does BNP Paribas serve farmers?
Yes — it is one of the bank's distinguishing features. Thanks to its BGŻ heritage, BNP Paribas Bank Polska has the strongest agri-sector offer in Poland, including EU loans, ARiMR subsidies, farm equipment leasing and specialised business accounts.
How much does a personal account at BNP Paribas cost?
BNP Paribas offers several personal account variants. The basic account is free if you meet salary deposit or card activity conditions. The exact pricing is on bnpparibas.pl.
Does BNP Paribas offer mortgages?
Yes. BNP Paribas Bank Polska offers mortgages with competitive margins, in variable and 5-year temporarily fixed rate options. The bank accepts a variety of income forms, including agricultural income.
How do I open a BNP Paribas account online?
You can open an account via the GoMobile app, bnpparibas.pl or the mObywatel app. The online process takes about 10 minutes and the card arrives by courier or post within a few business days.
Is BNP Paribas Bank Polska safe?
Yes. The bank is supervised by KNF, is a BFG member and belongs to the BNP Paribas group — one of the largest banking groups in the world. Deposits are insured up to EUR 100,000.
Does BNP Paribas offer business loans?
Yes — this is one of the bank's strongest areas. BNP Paribas offers working capital loans, investment loans, credit lines, factoring, leasing and bank guarantees, including products for exporters and international companies.
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