Inbank is an Estonian digital bank founded in 2011 in Tallinn, specialising in cash and instalment loans and savings deposits for customers in Poland, Latvia, Lithuania, Czechia and other European countries.
Why choose Inbank?
- Fast instalment loans available in many online stores
- Competitive deposits with rates often above the market average
- Full digitisation — everything remote, no branch visits
- Estonian banking licence with EU-level deposit guarantees
- BNPL (buy now, pay later) specialisation — fast purchase financing
Editorial rating
- Offers 4.3
- Service 4.0
- Online banking 4.2
- Costs 4.1
About the bank Inbank
Inbank was founded in 2011 in Estonia as a digital bank specialising in consumer loans and financing for online purchases. The bank operates under an Estonian banking licence, and in Poland it is present through the AS Inbank branch in Warsaw. Despite its relatively small size, Inbank competes successfully in the instalment loan market and achieves high profitability.
In Poland, Inbank mainly offers cash loans, instalment loans (available in many online and physical stores) and term deposits with competitive rates. The bank does not run personal or business accounts in the classical sense — its offer is focused on purchase financing and savings products. As a result Inbank is one of the key players in the "buy now, pay later" segment in Poland.
Active offers
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Deposits
View all offers →Lokata standardowa
Inbank
- Interest rate
- 0.00%
- Term
- 6 miesięcy
Lokata standardowa
Inbank
- Interest rate
- 0.00%
- Term
- 12 miesięcy
Pros and cons
Pros
- Competitive deposit rates
- Fast instalment loan application process
- Specialisation in e-commerce financing
- Simple, fully digital processes
Cons
- No personal or business accounts
- Low brand awareness in Poland
- No physical branches
How to apply — Inbank
Inbank is an Estonian digital bank specialising in consumer loans and instalment financing, operating in Poland through a branch.
- 1
Choose an Inbank product
Check Inbank offers in our ranking — cash loans, instalment loans and deposits.
- 2
Go to the bank
Click the CTA to go directly to the Inbank application page.
- 3
Fill in the online application
Register on inbank.pl, complete identity verification and provide the required details.
- 4
Await a decision
Inbank processes applications quickly — for simple cash loans, a decision can be issued within minutes.
Frequently Asked Questions
Is Inbank a Polish bank?
No — Inbank is an Estonian digital bank operating in Poland through a branch (AS Inbank oddział w Polsce). The bank operates under an Estonian banking licence and is subject to European regulations and supervision by the Estonian Financial Supervision Authority (FSA).
Are deposits at Inbank safe?
Yes. Inbank customer deposits are covered by the Estonian deposit guarantee scheme up to EUR 100,000 per customer — in line with unified EU standards. Whether you are a customer from Poland or another country, the guarantee level is the same.
What are Inbank instalment loans?
Inbank specialises in instalment loans available in many online and physical stores — when you buy a product, you can choose to pay in instalments financed by Inbank. It is one of the leaders of the Polish BNPL (buy now, pay later) market.
Does Inbank offer cash loans?
Yes. Inbank also offers traditional cash loans, available online via the bank's website or app. Loans are mainly for retail customers, with a 100% digital application process.
What are Inbank deposit rates?
Inbank regularly offers deposits with competitive Polish-market rates, often higher than at large universal banks. Current rates are in our deposit ranking.
How do I apply at Inbank?
Loan or deposit applications at Inbank are submitted fully online — via inbank.pl. Identity verification, income details (for a loan), a Polish PESEL number and a bank account are required.
Does Inbank have a personal account?
No. Inbank does not run personal or business accounts in Poland — the bank specialises exclusively in consumer loans and savings deposits. For a personal account, see our account ranking on kreddo.pl.
Other banks
kreddo.pl is an independent financial comparison service and is not a credit broker within the meaning of the Polish Consumer Credit Act. The data presented is pulled from bank APIs and updated in real time. Final loan terms are determined individually by the bank.