Poland IBAN
A Poland IBAN is 28 characters long and Poland is in SEPA.
PL and two check digits open every Poland IBAN; its remaining 24 form the BBAN (Basic Bank Account Number).
Quick answer: A Polish IBAN is 28 characters long and starts with "PL" followed by two check digits and a 24-digit NRB (Numer Rachunku Bankowego): 8-digit bank/branch code and 16-digit account number. Example: PL61 1090 1014 0000 0712 1981 2874. Polish banks issue IBANs for both PLN and EUR accounts. Poland is a SEPA member so the IBAN alone is enough for euro transfers from other SEPA countries; for PLN transfers from outside Poland, senders also need the bank's SWIFT/BIC.
Example Poland IBAN
Electronic format
PL61109010140000071219812874
Print format
PL61 1090 1014 0000 0712 1981 2874
IBAN structure for Poland
Major banks in Poland
15 banks in Poland that support IBAN-based international transfers:
Format reference: SWIFT IBAN Registry.
Poland IBAN questions
Is Poland part of SEPA?
Yes. Polish banks receive euro payments over SEPA; a zloty account converts them on arrival, so give euro payers the IBAN of a separate euro account if you have one.
How do I find my IBAN in Poland?
Your PL IBAN is available in your bank's online banking (bankowosc internetowa) or mobile app. PKO Bank Polski, mBank, ING Bank Slaski, Bank Pekao, and Santander Bank Polska all show the 28-character IBAN on the account details page. If you have your NRB (26-digit domestic number), simply prepend PL and the 2 IBAN check digits.
What is the NRB and how does it relate to the Polish IBAN?
The NRB (Numer Rachunku Bankowego) is Poland's 26-digit domestic account number: two check digits, an eight-digit bank and branch number, and a 16-digit account number. The IBAN is PL followed by the NRB, 28 characters in all.
Do I need a SWIFT code to receive transfers from abroad in Poland?
A euro payment from an EU or EEA bank needs only the PL IBAN. Zloty sent from abroad, and payments from the US, the UK or Asia, also need your bank's BIC, which PKO BP, mBank and ING show beside the 28-character IBAN in their apps.
Do Polish banks have separate EUR and PLN accounts?
Usually, yes: a euro account has its own IBAN. If you regularly receive euros, give payers that account's IBAN so the bank does not convert each payment to zloty.
Why did a zloty transfer arrive the next day?
Ordinary PLN transfers between Polish banks clear in KIR's Elixir sessions on working days only, so one ordered after the last session, or on a holiday, waits for the next working day. Express Elixir instant transfers settle around the clock, within the limit your bank sets.
Poland: the NRB, Elixir sessions and Express Elixir
A Polish IBAN is PL followed by the 26-digit NRB (Numer Rachunku Bankowego), whose first two digits are its own check digits and next eight identify the bank and branch. Poland keeps the zloty, and how fast a zloty payment lands depends on which of KIR's clearing systems carries it.
- Standard zloty payments between Polish banks are cleared by KIR in Elixir sessions held on working days only; a PLN payout that misses the day's last session lands on the next working day.
- KIR's Express Elixir has handled instant zloty payments since June 2012, every day of the year; banks cap and price it individually, so a large PLN sum may still travel by ordinary Elixir.
- Polish banks often hold a client's zloty and euro balances in separate accounts with separate IBANs. Someone paying euros from abroad should be given the euro account's IBAN, otherwise the bank converts the payment to PLN on arrival.
Sources: Bank.pl: Express Elixir instant payments.
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