Data checked 25 September 2026
Choosing an app-based account in Poland often comes down to how a provider handles foreign currencies, card payments abroad and cash withdrawals. This comparison looks at four fintech and mobile bank accounts available to people living in Poland, based on their published scores and fee structures.
The order below is fixed and reflects the underlying weighted scores, not a subjective preference. Each entry sets out what the fee and currency conversion terms say, and where the published information is limited.
As with any account, the exact terms can change, so it is worth checking the provider’s own terms and conditions before opening an account.
N26 — N26 Standard
N26 Standard is a fee-free everyday account from a German bank with straightforward card conversion terms.
- Monthly fee
- EUR 0
- Card currency conversion
- 0% (Visa/Mastercard or market rate)
- Cash withdrawals
- EUR: 2 free withdrawals a month, then €2 each; other currencies (e.g. PLN): 1.7% of the amount
- Licence and protection
- bank (Germany) — deposits protected up to EUR 100,000
- Plans (monthly fee)
- Standard EUR 0 · Smart EUR 4.9 · Go EUR 9.9 · Metal EUR 16.9
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Scores 9/10 in this comparison.
- Monthly fee is EUR 0 on the Standard plan, with paid plans such as „Standard EUR 0 · Smart EUR 4.9 · Go EUR 9.9 · Metal EUR 16.9” available for extra features.
- Card currency conversion is 0% (Visa/Mastercard or market rate), and deposits are protected under the scheme described in „bank (Germany) — deposits protected up to EUR 100,000”.
Watch out for
- Cash withdrawals follow the terms in „EUR: 2 free withdrawals a month, then €2 each; other currencies (e.g. PLN): 1.7% of the amount”, so withdrawing in currencies other than euros, including PLN, can cost more than euro withdrawals.
Revolut — Revolut Standard
Revolut Standard offers a no-fee plan with free card conversion up to a monthly threshold.
- Monthly fee
- PLN 0
- Card currency conversion
- 0% up to PLN 5,000 a month, then 1% (Revolut rate)
- Cash withdrawals
- up to 5 withdrawals or PLN 800 a month free, then 2% (min. PLN 5)
- Licence and protection
- bank (Lithuania) — deposits protected up to EUR 100,000
- Plans (monthly fee)
- Standard PLN 0 · Plus PLN 19.99 · Premium PLN 33.99 · Metal PLN 55.99 · Ultra PLN 260
Why it ranks here
- Scores 8.6/10 in this comparison.
- Monthly fee is PLN 0 on the Standard plan, with upgrade options shown in „Standard PLN 0 · Plus PLN 19.99 · Premium PLN 33.99 · Metal PLN 55.99 · Ultra PLN 260”.
- Card currency conversion is 0% up to PLN 5,000 a month, then 1% (Revolut rate), and deposits are protected under the scheme described in „bank (Lithuania) — deposits protected up to EUR 100,000”.
Watch out for
- Free cash withdrawals are limited as set out in „up to 5 withdrawals or PLN 800 a month free, then 2% (min. PLN 5)”; beyond that limit a percentage fee applies.
bunq — bunq Free
bunq Free is a Dutch bank account with a small flat conversion fee and a fixed per-withdrawal charge.
- Monthly fee
- EUR 0
- Card currency conversion
- 0.5% (Visa/Mastercard or market rate)
- Cash withdrawals
- €2.99 per withdrawal
- Licence and protection
- bank (Netherlands) — deposits protected up to EUR 100,000
- Plans (monthly fee)
- Free EUR 0 · Core EUR 3.99 · Pro EUR 9.99 · Elite EUR 18.99
Why it ranks here
- Scores 8.1/10 in this comparison.
- Monthly fee is EUR 0 on the Free plan, with paid tiers listed in „Free EUR 0 · Core EUR 3.99 · Pro EUR 9.99 · Elite EUR 18.99”.
- Card currency conversion is 0.5% (Visa/Mastercard or market rate), and deposits are protected under the scheme described in „bank (Netherlands) — deposits protected up to EUR 100,000”.
Watch out for
- Cash withdrawals are charged per transaction according to „€2.99 per withdrawal”, regardless of the amount withdrawn.
Wise — Wise Account
Wise Account is built around currency handling, with one of the lower card conversion rates in this group.
- Monthly fee
- PLN 0
- Card currency conversion
- 0.26% (Visa/Mastercard or market rate)
- Cash withdrawals
- free up to PLN 1,000 a month, then 2.69% of the amount above
- Licence and protection
- e-money institution — funds safeguarded, no deposit guarantee
Why it ranks here
- Scores 8.1/10 in this comparison.
- Monthly fee is PLN 0.
- Card currency conversion is 0.26% (Visa/Mastercard or market rate), and a free monthly cash withdrawal allowance is described in „free up to PLN 1,000 a month, then 2.69% of the amount above”.
Watch out for
- Wise operates as described in „e-money institution — funds safeguarded, no deposit guarantee”, which differs from the bank-deposit protection offered by the other providers in this list.
- Withdrawals above the free allowance are charged as set out in „free up to PLN 1,000 a month, then 2.69% of the amount above”.
Side by side
| # | Product | Monthly fee | Card currency conversion | Cash withdrawals | Licence and protection | Score |
|---|---|---|---|---|---|---|
| 1 | N26 — N26 Standard | EUR 0 | 0% (Visa/Mastercard or market rate) | EUR: 2 free withdrawals a month, then €2 each; other currencies (e.g. PLN): 1.7% of the amount | bank (Germany) — deposits protected up to EUR 100,000 | 9 |
| 2 | Revolut — Revolut Standard | PLN 0 | 0% up to PLN 5,000 a month, then 1% (Revolut rate) | up to 5 withdrawals or PLN 800 a month free, then 2% (min. PLN 5) | bank (Lithuania) — deposits protected up to EUR 100,000 | 8.6 |
| 3 | bunq — bunq Free | EUR 0 | 0.5% (Visa/Mastercard or market rate) | €2.99 per withdrawal | bank (Netherlands) — deposits protected up to EUR 100,000 | 8.1 |
| 4 | Wise — Wise Account | PLN 0 | 0.26% (Visa/Mastercard or market rate) | free up to PLN 1,000 a month, then 2.69% of the amount above | e-money institution — funds safeguarded, no deposit guarantee | 8.1 |
How we rate this ranking
Each product gets a score out of 10 from the criteria below. Figures come only from the providers’ published pages; anything we could not confirm counts against the score instead of being guessed. Commission never enters the score.
- Card payments in foreign currency35%
- Monthly fee of the plan25%
- Cash withdrawals20%
- Deposit protection20%
Questions
Which of these accounts has no monthly fee on its basic plan?
All four providers list a basic plan with no monthly fee: N26 Standard, Revolut Standard, bunq Free and Wise Account, as shown in their respective fee figures.
How do card currency conversion charges compare?
Each provider publishes a different rate or condition for card currency conversion abroad, ranging from a flat percentage to a free allowance followed by a fee. The exact figures are listed against each account above.
Are cash withdrawals free with these accounts?
Terms vary. Some providers offer a limited number or amount of free withdrawals each month before a fee applies, while others charge a fixed fee per withdrawal. Readers should check the specific withdrawal terms listed for each provider.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
