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Santander Bank Polska review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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

Santander Bank Polska, now Erste Bank Polska, suits Polish residents wanting an easy-access account with a monthly fee of PLN 0 and a variable rate of 4.5%. Cash loans cost 15.49% with Same day the application is submitted funding, so the cheap savings side carries a pricier lending side.

Key facts

Best for
A free easy-access savings account at a variable 4.5% rate, for Polish residents who also want a personal loan.
Headline rate
4.5%↗
Rate type
Variable↗
Term
3 to 120 months↗
Minimum deposit
PLN 0.010↗
Access terms
Opened and used online via Erste internet banking or Erste mobile app; monthly interest paid on the last day of each month↗
Monthly fee
PLN 0↗
Account kind
Easy access↗
Legal entity
Erste Bank Polska S.A. (formerly Santander Bank Polska S.A.), KRS 0000008723↗
Headquarters
Poland↗
Founded
1988↗
Support channels
Phone, Help-centre, Email↗
Pricing model
No monthly fee
Official website
santander.pl

Loans

APR
15.49%↗
Loan amount
PLN 300,000↗
Arrangement fee
0.00% of the loan amount (0 zł)↗
Credit check
Hard↗
Funding time
Same day the application is submitted↗
Representative example
Cash loan: RRSO 15.49%, loan amount 31,700 zł, total repayable 49,855.32 zł, fixed annual interest 14.49%, agreement over 81 months, 80 equal instalments of 615.64 zł, total cost 18,155.32 zł (calculation dated 4.09.2026)↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Adult with full legal capacity, stable documented income, and residence in Poland where income is earned↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation↗
Features
Same-day funding

Mortgages

APRC
6.99%↗
Fixed period
5 years↗
Maximum loan to value
90%↗
Product fee
PLN 0↗
Purpose
Purchase, Remortgage↗

Debit cards

Card type
Debit↗
Card network
Visa↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Elsewhere
LinkedInyoutube.com

Pros and cons

Pros

  • The savings account carries a monthly fee of PLN 0 and a minimum deposit of PLN 0.01, so it is free to run and easy to start.
  • Cash loans go out to PLN 300,000 with Same day the application is submitted funding, and the origination fee is 0.00% of the loan amount (0 zł).
  • Early repayment on the cash loan is free, and the mortgage carries a product fee of PLN 0.
  • A debit card on the visa network comes with the account.

Cons

  • Interest is variable, so the 4.5% headline is not locked in for a term.
  • Cash loan borrowing at 15.49% compares with a site median of 15.5%, and the mortgage 6.99% sits above a site median of 4.91%.
  • Support runs on phone, help centre and email only.
Santander Bank Polska

Ready to try Santander Bank Polska?

Scored 9.2 / 10 by SumCue.

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Who it suits

  • Polish residents who bank online and want easy access at a variable 4.5% rate.
  • Adults in Poland with stable documented income who want a personal or debt consolidation loan funded Same day the application is submitted.
  • Homebuyers and movers taking mortgage lending at 6.99% up to 90% loan to value.

Who should look elsewhere

  • Savers chasing a locked rate: variable leaves the headline rate open to change, and Wise pays 3.29%.
  • Savers who want the top easy-access payout: bunq pays 3.01% and Finteres pays 0% to 36%.

Where it sits among rivals

On headline rate the account ranks 113 of 488 brands, while on minimum deposit it ranks 182 of 379. Reading the two together gives the shape of the offer: a rate that sits high in the field, attached to a deposit hurdle that ranks lower. Open it for the rate, not the entry barrier.

Who runs it

The bank trades as Erste Bank Polska S.A., the legal entity formerly known as Santander Bank Polska S.A., and is headquartered in Poland. It has been running since 1988, and customers reach it through phone, help centre and email. The name on the account and the company behind it are therefore not the same, which matters when you compare terms or complain.

How Santander Bank Polska compares

Where Santander Bank Polska is available

Available
Poland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does the savings account pay and can it change?+

The account pays a headline rate of 4.5% on a variable basis, so the figure can move with the bank's pricing rather than being fixed for a term. The account kind is easy access, which suits money you want to keep available. A site median of 3% gives context.

What does it cost to hold the account each month?+

The savings account has a monthly fee of PLN 0 and sits in the no monthly fee model, so there is no account charge to track. The return comes from the 4.5% headline instead. Support runs on phone, help centre and email if you want the terms for your own account confirmed.

How much do I need to deposit to open it?+

The minimum deposit is PLN 0.01, so a small opening balance is enough. The account is easy access rather than a term product, and money moves in and out through the app. The monthly fee of PLN 0 applies whatever you keep in it.

How do I open and use the account?+

The account is opened and used online through Erste internet banking or the Erste mobile app, with monthly interest credited on the last day of each month. It is easy access at a variable 4.5%. A debit card on the visa network covers everyday spending from the same balance.

What are the cash loan terms?+

The cash loan charges 15.49% on amounts up to PLN 300,000, with terms running 3 to 120 and an origination fee of 0.00% of the loan amount (0 zł). It covers personal and debt consolidation borrowing, funding goes out Same day the application is submitted, and early repayment is free, so settling the balance early costs nothing extra.

Who can apply for the loans?+

Applicants must be adults with full legal capacity, with stable documented income and a residence in Poland where that income is earned. The application runs a hard credit check, and the bank lends directly rather than through a broker, so the decision sits with the lender. The loan types are personal and debt consolidation.

Does the bank offer mortgages?+

Yes. The mortgage carries an APRC of 6.99%, is written for a fixed period of 5, and lends up to 90% loan to value with a product fee of PLN 0. The stated purposes are purchase and remortgage, covering a home purchase and moving an existing mortgage.

How do I get help if something goes wrong?+

Support runs on phone, help centre and email, so phone, help centre and email are the routes in rather than live chat. Loan servicing sits with the lender itself, not a broker. If you want to settle a cash loan early, early repayment is free, so the balance can be cleared without an extra charge.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Deposit protection.

Santander Bank Polska

Santander Bank Polska

A free easy-access savings account at a variable 4.5% rate, for Polish residents who also want a personal loan.

9.2/10See alternatives