Credit Agricole Polska review
Updated October 12, 2026 · SumCue Editorial Team
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Credit Agricole Polska favours attentive branch led banking over hands off self service, with advice shaped around personal needs. It is a bank pairing everyday accounts and savings with cash credit and insurance guidance for households that want help choosing.
Key facts
- Best for
- Households seeking guided everyday banking with insurance
- APR
- 7.98% to 12.91%↗
- Card kind
- Credit↗
- Legal entity
- Credit Agricole Bank Polska S.A. (KRS 0000039887)↗
- Headquarters
- Poland↗
- Founded
- 1991↗
- Support channels
- Phone, Email, Help-centre, Chat↗
- Pricing model
- Fixed rate
- Features
- Same-day funding
- Official website
- credit-agricole.pl
Loans
- Loan amount
- PLN 1,000 to PLN 200,000↗
- Term
- 1 to 36 months↗
- Arrangement fee
- 0 PLN↗
- Credit check
- Hard↗
- Funding time
- Loan money lands straight in your account after applying online and signing the agreement in internet banking; credit decision in as little as 10 minutes↗
- Representative example
- Standard cash loan: APR 12.91%, loan amount 26,100 PLN, total payable 36,606.73 PLN, fixed interest 12.2%, 69 equal monthly instalments of 522.95 PLN plus a final balancing instalment of 523.18 PLN, example prepared 05.09.2025↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Eligibility
- Resident of Poland with centre of personal or business interests in Poland, taxed in Poland, PESEL number, 21 or older with full legal capacity, stable income from accepted sources, positive creditworthiness↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal, Debt-consolidation, Credit-line, Secured, Business↗
- Use cases
- Home-improvement↗
Savings
Personal insurance
Mortgages
- Initial rate
- 6.34%↗
- APRC
- 6.84%↗
- Fixed period
- 7 years↗
- Maximum loan to value
- 90%↗
- Product fee
- PLN 0↗
- Purpose
- Purchase↗
Facts checked September 26, 2026, 10 sources
Apps and profiles
- Elsewhere
- Wikidata
Pros and cons
Pros
- Listens closely before recommending a solution matched to personal financial needs
- Pairs personal accounts with a linked savings account for steady saving
- Combines banking, credit and insurance guidance under one familiar provider
- Supports everyday card spending in cafes and restaurants alongside saving
Cons
- Focus stays on core accounts, cash credit and insurance led support
- Service model centres on Poland through branches and domestic remote channels
Who it suits
- Households wanting advice shaped around personal needs
- Savers pairing an everyday account with a linked savings account
- People managing banking, credit and insurance together
Who should look elsewhere
- People wanting self directed choice without guided advice
How Credit Agricole Polska compares
Where Credit Agricole Polska is available
- Available
- Poland
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
What kind of company is Credit Agricole Polska?+
It presents itself as a bank that listens before recommending. Its scope covers everyday banking together with finance and insurance topics. The emphasis remains on personal contact and solutions matched to needs rather than generic displays.
Which everyday banking options does it highlight?+
It highlights personal accounts joined with a savings account for regular saving. A debit card can sit alongside the everyday account for spending. The combination supports daily payments plus longer term saving in one banking relationship.
Where does Credit Agricole Polska operate?+
It operates in Poland through a network of branches and domestic remote access. Branch support sits beside online information and telephone help for everyday needs. The service is framed for people managing daily finances inside the country.
Where is Credit Agricole Polska based?+
Credit Agricole Polska is based in Poland. (Source, checked September 26, 2026)
When was Credit Agricole Polska founded?+
Credit Agricole Polska was founded in 1991. (Source, checked September 26, 2026)
How can I contact Credit Agricole Polska support?+
Credit Agricole Polska offers support through Phone, Email, Help-centre, Chat. (Source, checked September 26, 2026)
Sources
- pl.wikipedia.org/wiki/Credit_Agricole_Bank_Polska checked September 26, 2026
Backs: Founded
- credit-agricole.pl checked September 26, 2026
Backs: Monthly fee
- credit-agricole.pl/klienci-indywidualni/karty-kredytowe checked September 26, 2026
Backs: Card kind
“Karty kredytowe”
- credit-agricole.pl/klienci-indywidualni/kredyty-hipoteczn... checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose
- credit-agricole.pl/klienci-indywidualni/kredyty/kredyt-go... checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Features, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Representative example, Use cases
“Standard cash loan: cash loan of up to 200,000 PLN, calculator from 1,000 PLN to 200,000 PLN”
- credit-agricole.pl/klienci-indywidualni/oszczednosci-i-in... checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Pricing model, Term
“Minimalna wplata 1000 zl (Bankowe lokaty terminowe)”
- credit-agricole.pl/klienci-indywidualni/ubezpieczenia checked September 26, 2026
Backs: Excess from, Insurance types
- credit-agricole.pl/klienci-indywidualni/ubezpieczenia/pom... checked September 26, 2026
Backs: Claims channels, Provider type, Monthly payments, Premium from
“Ubezpieczyciel: Credit Agricole Towarzystwo Ubezpieczen S.A. Agent: Credit Agricole Bank Polska S.A.”
- credit-agricole.pl/oprocentowanie checked September 26, 2026
Backs: Headline rate, Rate type
“Lokaty terminowe w PLN - oprocentowanie stale, Oferta standardowa: 30 dni 0,75%, 1 rok 1,25%, 3 lata 1,25%”
- credit-agricole.pl/regulamin checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Support channels
“Bank - Credit Agricole Bank Polska Spolka Akcyjna z siedziba we Wroclawiu, ul. Legnicka 48 bud. C-D, 54-202 Wroclaw”
Compiled from 10 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, Currency conversion fee, Rewards type.