Payment methods in Poland

Europe

5methods

18banks

Just over 32 million Poles, close to 90% of the total population, are now online. And the average online shopper spends US$1,038 each year with e-commerce merchants.

Market takeaways

Just over 32 million Poles, close to 90% of the total population, are now online. And the average online shopper spends US$1,038 each year with e-commerce merchants.
Poles make 10% of all their retail purchases online. The e-commerce sector is worth US$36 billion, a figure expected to rise to US$54 billion by 2027.
Poles use digital payment methods in more than 80% of all online transactions. Bank-transfer app Blik on its own has almost a 30% market share.
Polish online shoppers make 43% of all their purchases using a mobile device. To succeed in Poland, make sure your checkout is optimized for mobile commerce.
Almost 40% of Poles shop with e-commerce sites based in other countries. In 2022, this trade was worth almost US$2 billion.

Population

39.9M

Online population

32.3M

B2C e-commerce

$32B

Banked population

93%

Credit card population

25%

E-commerce of total retail

10%

Payment method breakdown

Card15%
Cash2%
Bank Transfer67%
E-Wallet15%
Other1%

Card scheme breakdown

Visa51%
Mastercard49%
American Express0%
Local schemes0%
Other0%

Cross-border e-commerce

Cross-border shoppers

38%

Share of e-commerce

Cross-border value (est.)

$1.9B

Featured payment methods in Poland

All payment methods available in this market, sorted by prominence.

Allegro Pay

Buy-now-pay-later and deferred payment service embedded in Poland's largest e-commerce marketplace Allegro. Operator: Allegro Pay Sp. z o.o. (Allegro). Est. users: 2M+ active users (2024).

Mokka

One of the largest buy-now-pay-later services in Eastern Europe, offering interest-free installment payments online and in stores. Operator: Revo Technologies / Mokka. Est. users: 12-16M registered users (2025).

Przelewy24

Polish online payment method connecting 165+ banks so shoppers pay by bank transfer, BLIK or card at checkout. Operator: PayPro S.A.. Est. users: 330,000+ merchant partners; ~91% consumer recognition (2024); est. millions of users.

BLIK

Polish six-digit-code mobile payment standard for online, in-store and ATM use, run by an alliance of banks. Operator: Polski Standard Płatności sp. z o.o.. Est. users: 18.5M active users (2024); 2.4B transactions.

Twisto

The Czech Republic's leading buy-now-pay-later service offering deferred payment and pay-in-3 at online checkout. Operator: Twisto Payments a.s. (part of Zip). Est. users: 1.6M+ customers (cumulative).

Featured banks in Poland

All banks operating in this market, sorted by prominence.

Banco Santander

Santander, Spain

Banco Santander is Spain's largest bank and one of the world's top 10 financial institutions by market cap. It serves 160 million customers in Europe, North America, and Latin America.

BNP Paribas

Paris, France

BNP Paribas is France's largest bank and a global top-10 financial institution, providing retail, corporate, and investment banking, insurance, and asset management across 65 countries.

ING Group

Amsterdam, Netherlands

ING Group is the Netherlands' largest bank and a leading European financial institution. It operates a digital-first universal banking model across Europe and globally.

Crédit Agricole Group

Paris, France

Crédit Agricole is the world's largest cooperative bank and France's second-largest financial group. It provides retail, corporate, insurance, and asset management services in France and internationally.

UniCredit

Milan, Italy

UniCredit is a pan-European commercial bank headquartered in Milan with a strong presence in Italy, Germany, Austria, and Central & Eastern Europe, serving 15 million clients.

PKO Bank Polski

Warsaw, Poland

PKO Bank Polski is Poland's largest bank by assets and customer count, state-controlled, offering universal retail, corporate, and investment banking.

Raiffeisen Bank International (RBI)

Vienna, Austria

Raiffeisen Bank International (RBI) is Austria's second-largest bank and a leading retail and corporate bank in Central and Eastern Europe, operating in 13 markets.

Commerzbank

Frankfurt, Germany

Commerzbank is Germany's second-largest listed bank, serving 10 million private customers and 60,000 corporate clients with retail, SME, and corporate banking.

Bank Pekao

Warsaw, Poland

Bank Pekao is Poland's second-largest bank, majority-owned by PZU and the Polish state. It offers retail, SME, and corporate banking.

Millennium BCP

Lisbon, Portugal

Millennium BCP (Banco Comercial Português) is Portugal's largest privately held bank, with operations in Poland, Mozambique, and Angola.

Santander Bank Polska

Warsaw, Poland

Santander Bank Polska (formerly BZ WBK) is the Polish subsidiary of Banco Santander, Poland's third-largest bank offering retail and corporate banking.

ING Bank Śląski

Katowice, Poland

ING Bank Śląski is the Polish arm of ING Group, one of Poland's top five banks, known for digital innovation and corporate banking.

mBank

Warsaw, Poland

mBank is a Polish digital-first bank, subsidiary of Commerzbank. It was the first online-only bank in Poland and is known for its mobile and internet banking innovation.

Bank Millennium

Warsaw, Poland

Bank Millennium is a Polish universal bank owned by Millennium BCP of Portugal. It offers retail, mortgage, and SME banking.

BNP Paribas Bank Polska

Warsaw, Poland

BNP Paribas Bank Polska is the Polish subsidiary of BNP Paribas, offering retail and corporate banking.

Alior Bank

Warsaw, Poland

Alior Bank is a Polish challenger bank focused on digital banking, innovation, and retail customers. It is owned by PZU insurance group.

PKO Leasing / Bank BGŻ BNP Paribas

Warsaw, Poland

BGŻ BNP Paribas (now merged into BNP Paribas Bank Polska) was a major Polish agricultural and retail bank. The merged entity focuses on agri business, retail and corporate banking.