Crédit Agricole Bank Polska, part of the French Crédit Agricole group, serves 1.7 million customers in Poland. It offers cash loans, mortgages, personal accounts and business products, with its headquarters in Wrocław. The lowest cash loan APR at Crédit Agricole is currently 10.41%.
Why choose Crédit Agricole?
- Part of the French Crédit Agricole group — global stability
- Strong in-store instalment loan offer
- Specialised service for the agricultural sector
- Attractive personal accounts with welcome promotions
- Good retail banking service through branches
Editorial rating
- Offers 4.3
- Service 4.1
- Online banking 4.2
- Costs 4.3
About the bank Crédit Agricole
Crédit Agricole Bank Polska took its current form in 2001, absorbing the Wrocław-based Lukas Bank. The bank belongs to the French Crédit Agricole group — one of the largest banking groups in the world, with more than 50 million customers in Europe and a strong retail banking footprint. The Polish head office remains in Wrocław, which sets it apart from its Warsaw-centric competitors.
Crédit Agricole Bank Polska serves 1.7 million retail, business and agricultural customers. Thanks to its French-group heritage, it has a strong position in serving the agri sector and in instalment loans. The offer covers cash loans, mortgages, personal accounts, deposits, credit cards and specialised products for farmers and microbusinesses. The bank is also active in in-store instalment loans via partnerships with retailers.
Active offers
We show the currently active offers and always link to the latest version.
Cash loans
View all offers →Kredyt gotówkowy
Crédit Agricole
- APR
- 10.41%
- Amount
- 20,000 PLN
- Term
- 48 months
- Instalment
- 507 PLN
Personal accounts
View all offers →Konto dla Ciebie
Crédit Agricole
- Monthly fee
- 0 – 10 PLN
Business accounts
View all offers →Promocja „Nawet 3260 zł premii z Kontem Biznes”
Crédit Agricole
- Monthly fee
- Free
Pros and cons
Pros
- Stable French parent group
- Attractive instalment loan offers
- Strong position in farmer banking
- Competitive welcome promotions
Cons
- Mobile app lags behind segment leaders
- Smaller branch network than universal banks
- Narrower product range than PKO BP or mBank
How to apply — Crédit Agricole
Crédit Agricole Bank Polska is a universal bank headquartered in Wrocław, belonging to the French Crédit Agricole group — one of the largest in the world.
- 1
Choose a product
Check Crédit Agricole Bank Polska offers in our loan and account ranking.
- 2
Go to the bank
Click the CTA to go directly to the application page.
- 3
Fill in the application
Use credit-agricole.pl or the mobile app. Prepare your ID.
- 4
Receive a decision
For existing customers, a decision within hours. New customers — within 1–2 business days.
Frequently Asked Questions
Is Crédit Agricole Bank Polska a French bank?
Yes — Crédit Agricole Bank Polska is fully owned by the French Crédit Agricole group, one of the largest banking groups in the world. The bank has operated in Poland since 2001 and is headquartered in Wrocław (formerly Lukas Bank).
What loans does Crédit Agricole offer?
Crédit Agricole Bank Polska offers cash, consolidation, mortgage, car and in-store instalment loans (available in many retail chains). Farmers can access special agricultural loans and farm equipment leasing.
How much does a personal account at Crédit Agricole cost?
A personal account at Crédit Agricole is free when you meet deposit or card activity conditions. The bank regularly runs welcome promotions for new customers, including cash bonuses for active use.
How do I open a Crédit Agricole account online?
You can open an account via credit-agricole.pl or the mobile app, using mObywatel, selfie verification or a verification transfer. The card arrives by post within a few business days.
Is Crédit Agricole Bank Polska safe?
Yes. The bank is supervised by KNF and is a BFG member, which guarantees deposits up to EUR 100,000. It belongs to the French Crédit Agricole group, which has global systemically important bank (G-SIB) status.
What is the maximum cash loan amount at Crédit Agricole?
Crédit Agricole offers cash loans up to PLN 200,000 with repayment up to 120 months. The exact maximum depends on creditworthiness and BIK history.
Does Crédit Agricole offer mortgages?
Yes. The bank offers mortgages in variable and 5-year temporarily fixed rate options, with repayment up to 30 years. Subsidised farmer mortgages are also available.
Other banks
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