Santander Bank Polska is the third-largest bank in Poland and part of the global Banco Santander group. It serves 7.2 million customers through a network of 400 branches and the Santander mobile app. The lowest cash loan APR at Santander Bank Polska is currently 8.29%.
Why choose Santander Bank Polska?
- Part of the global Santander group — access to international know-how
- Konto Jakie Chcę with personalised features
- Santander mobile app with modern features including BLIK and contactless NFC
- Attractive welcome promotions for new customers — accounts with cash bonuses
- Wide credit card offer with cashback and points programmes
Editorial rating
- Offers 4.5
- Service 4.4
- Online banking 4.7
- Costs 4.4
About the bank Santander Bank Polska
Santander Bank Polska was founded in 1989 as Bank Zachodni (later BZ WBK — Bank Zachodni WBK). In 2011 it was acquired by the Spanish Banco Santander group, and in 2018 it adopted the current Santander Bank Polska name. The Santander group is one of the largest banking groups in the euro area and globally, serving more than 160 million customers across Europe, the Americas and Asia.
Santander Bank Polska serves 7.2 million retail and business customers in Poland. It offers a broad range of products: Konto Jakie Chcę personal accounts, cash loans, mortgages, credit cards, savings and investment products and business banking. The Santander mobile app is one of the highest-rated in Poland in terms of functionality and user experience.
Active offers
We show the currently active offers and always link to the latest version.
Cash loans
View all offers →Mój pierwszy kredyt
Santander Bank Polska
- APR
- 8.29%
- Amount
- 20,000 PLN
- Term
- 48 months
- Instalment
- 488 PLN
Personal accounts
View all offers →Konto Santander
Santander Bank Polska
- Monthly fee
- 0 – 6 PLN
Business accounts
View all offers →Konto Firmowe Online do 3600 zł premii
Santander Bank Polska
- Monthly fee
- Free
Pros and cons
Pros
- Global brand providing stability and high security standards
- Flexible personal account with a choice of free services
- Very good mobile app with rich payment features
- Regular promotions for new customers — bonuses for opening an account
Cons
- Account fees rise if bonus conditions are not met
- Branch coverage smaller than PKO BP or Pekao
- Online complaints can require multiple steps
How to apply — Santander Bank Polska
Santander Bank Polska (formerly BZ WBK) is the third-largest bank in Poland and part of the Spanish Banco Santander group — one of the world's largest banks.
- 1
Choose a Santander offer
Compare Santander Bank Polska products in our ranking — loans, accounts, cards, deposits.
- 2
Go to the bank
Click the CTA to go directly to the application page at Santander.
- 3
Fill in the application
Use the Santander mobile app, online banking or visit a branch. Prepare your ID.
- 4
Wait for a decision
Existing customers often receive a decision within minutes. New customers — usually the same or next business day.
Frequently Asked Questions
Is Santander Bank Polska the same bank as BZ WBK?
Yes — Santander Bank Polska is the rebrand of BZ WBK, renamed in 2018 after being acquired by the Spanish Banco Santander group. All contracts, accounts and loans were transferred automatically without any additional formalities.
How much does Konto Jakie Chcę cost?
Konto Jakie Chcę is free if you use your card or maintain regular deposits. Additional service packages (such as free foreign ATM withdrawals) can be added for a fee. Exact terms are on santander.pl.
Does Santander offer cash loans online?
Yes. Santander offers cash loans via the mobile app, online banking and at branches. Existing customers often have a pre-approved offer with a fast decision.
What is the maximum loan amount at Santander?
Santander Bank Polska offers cash loans up to PLN 300,000 for customers with sufficient creditworthiness. Mortgage amounts are not capped — they depend on property value and income.
Can I open a Santander account remotely?
Yes. You can open an account 100% online using mObywatel, selfie verification or a verification transfer. The whole process takes about 10 minutes and the card is delivered by courier.
Is Santander Bank Polska safe?
Yes. It is supervised by KNF, is a BFG member and deposits are insured up to EUR 100,000. The bank is listed on the Warsaw Stock Exchange and its owner, Banco Santander, is one of the largest banking groups in the world.
What are Santander deposit rates?
Santander regularly runs promotional deposits for new money at above-standard rates. Current rates are in our deposit ranking, refreshed in real time.
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.