The following list of banks in Poland is to be understood within the framework of the European single market, which means that Poland's banking system is more open to cross-border banking operations than peers outside of the European Union. It is based on the register of supervised entities maintained by the Polish Financial Supervision Authority (KNF), as of 2026-3-9.[1]
The National Bank of Poland (NBP) is not under KNF's supervision. Bank Gospodarstwa Krajowego (BGK), a state-owned development bank, is under KNF supervision under Polish law but is specifically exempted from the EU Capital Requirements Directives.
Systemically important banks
As of 2025, KNF had designated the following Polish banks as systemically important, listed here by decreasing score of systemic importance:[2]
The latter two cooperative banking groups, BPS and SGB, each relies on an institutional protection scheme.
- Powszechna Kasa Oszczędności Bank Polski SA (known as PKO Bank Polski or PKO BP), 31-percent-owned by the Polish state directly (29%) and via BGK (2%)[3]
- Santander Bank Polska SA, 49-percent-owned by Erste Group since January 2026[4]
Other joint-stock banks
Based on the KNF's register of "banks operating as joint-stock companies":[1]
- Alior Bank SA, 32-percent-owned by PZU[6]
- Bank BPH SA, legacy mortgage arm of Alior Bank
- Bank Nowy, majority-owned by the Wielkopolski Cooperative Bank
- Bank Ochrony Środowiska SA (BOŚ), majority-owned by the National Fund for Environmental Protection and Water Management
- Bank Pocztowy SA, majority-owned by Polish Post
Cooperative banks
Poland has a long tradition of cooperative banking. As of early 2026, the KNF register included 488 cooperative banks ,[1] the vast majority of which were members of either the BPS Group or the SGB Group. The remaining independent local cooperative banks were:[7]
- Bank Spółdzielczy w Brodnicy in Brodnica
- Bank Spółdzielczy w Bydgoszczy in Bydgoszcz
- Wschodni Bank Spółdzielczy w Chełmie in Chełm
- Krakowski Bank Spółdzielczy and Bank Spółdzielczy Rzemiosła w Krakowie in Kraków
- Warmińsko-Mazurski Bank Spółdzielczy in
Credit Unions
Polish credit unions are under a separate framework from cooperative banks, and are exempted from the EU Capital Requirements Directives.[8] At end-2023, there were 18 such Polish credit unions with total assets of ca. US$2.7 billion.[9]
Foreign branches
Based on the KNF's register of "branches of credit institutions":[1]
As of October 2025, there were no branches of banks located outside the European Economic Area ("third-country branches") in Poland, based on data compiled by the European Banking Authority.[10]
- 🇩🇪 Aareal Bank AG
- 🇪🇸 Allfunds Bank SAU
- 🇪🇪 AS Inbank
- 🇱🇺 Bank of China (Europe) SA, subsidiary of Bank of China 🇨🇳
- 🇮🇹 BFF Bank SpA
Additional corporate information
Defunct banks
Headquartered on the territory of present-day Poland
- Schlesische Landschaft (1770–1945)
- Pommersche Landschaft (1781–1945)
- Ritterschaftliche Privatbank in Pommern (1824–1877)
- Bank Polski (1828–1885)
- Städtische Bank in Breslau (1848–1910)
- Schlesischer Bankverein (1856–1917)
- Provinzial-Aktienbank des Großherzogtums Posen (1857–1929), known from 1898 as Ostbank für Handel und Gewerbe
- Bank of Industrialists (1861–1933)
- Galician Bank for Trade and Industry (1869–1929)
- Związek Spółek Zarobkowych i Gospodarczych (1871–1950)
See also
- List of Polish companies
- List of banks in Europe
References
- Entities search Komisja Nadzoru Finansowego, retrieved 2026-3-9^
- The EBA updates list of other systemically important institutions European Banking Authority, 2025-5-15^
- Who Owns PKO Bank Polski Company? BCG Matrix, 2025-11-19