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Akif Hazarvi

Poland IBAN

PL·PLN·SEPA

The International Bank Account Number (IBAN) for Poland is 28 characters long and is used to identify bank accounts for international transactions, within the SEPA network for euro transfers and via SWIFT for non-euro currencies.

A Poland IBAN begins with the country code PL and two check digits, followed by the 24-character BBAN (Basic Bank Account Number). The Poland BBAN encodes a 3-character bank code, followed by a 4-character branch code, followed by a 1-character national check digit, followed by a 16-character account number. As a SEPA member, Poland supports low-cost euro transfers across 36+ European countries using the PLN currency. Always include the full 28-character IBAN together with the bank's BIC/SWIFT code when making or receiving international payments.

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.

IBAN Length

28 chars

Currency

PLN

SEPA

Yes

Banks

18+

Example IBAN

Electronic format

PL61109010140000071219812874

Print format

PL61 1090 1014 0000 0712 1981 2874

IBAN structure for Poland

A Poland IBAN is 28 characters long and consists of the following components:

Country code

PL

Check digits

61

Bank code

3 chars

Branch code

4 chars

National check digit

1 char

Account number

16 chars

Total length28 characters

BBAN format details

The Basic Bank Account Number (BBAN) is the domestic part of the IBAN, following the country code and check digits. Here is the BBAN validation format for Poland:

Bank code3 characters

^[0-9]{3}

Branch code4 characters

^[0-9]{4}

National check digit1 characters

^[0-9]{1}

Account number16 characters

^[0-9]{16}

Major banks in Poland

18 banks in Poland that support IBAN-based international transfers:

P

PKO BP (Powszechna Kasa Oszczędności Bank Polski)

A

Alior Bank Spolka Akcyjna

B

Bank Pekao (Bank Polska Kasa Opieki) SA

m

mBank

C

Credit Agricole Bank Polska S.a.

R

Raiffeisen Bank Polska S.a.

S

Santander (Bank Zachodni BZ WBK)

B

Bank Millennium S.A.

B

BNP Parbias (BGŻ)

N

NEST BANK S.A.

G

GETIN NOBLE BANK SA

I

IDEA BANK SPOLKA AKCYJNA

B

Bank spółdzielczy

P

POCZTOWY BANK SA

I

Inteligo

C

Citi Handlowy (Bank Handlowy)

I

ING Bank Śląski SA

B

BNP Paribas SA

Understanding IBAN in Poland

What is the IBAN format in Poland

An IBAN (International Bank Account Number) is an internationally-agreed code made up of up to 34 letters and numbers that helps banks make sure that international transfers are processed correctly. Each set of characters represents a different detail for your bank account. You can see the breakdown of this IBAN below.

What is the IBAN code in Poland

IBAN in Poland consists of 28 characters: 2 letter country code 2 digit check number 3 characters from the bank's bank code 4 digit code for the bank branch 1 digit code for national code 16 digit code for the bank account number

Do you need an IBAN in Poland

Yes. If you’re making – or expecting to receive – an international money transfer to a bank account in Poland, then just a standard bank account number isn’t enough. If you want your money to arrive quickly and safely, you’ll usually need to give the bank a few extra details, such as an IBAN or SWIFT code. Banks assign IBANs to each of their accounts to make sure that international transfers are processed correctly. IBANs contain all of the country, bank, and account details you need to send or receive money internationally. This system is used throughout Europe, and also recognised in some areas of the Middle East, North Africa and the Caribbean.

Frequently asked questions

What is the IBAN format for Poland?

A Polish IBAN is exactly 28 characters long — one of the longer formats in Europe. It starts with PL, 2 check digits, and then the 24-digit NRB (Numer Rachunku Bankowego), consisting of a 2-digit checksum, an 8-digit bank sort code, and a 16-digit account number. Example: PL61 1090 1014 0000 0712 1981 2874.

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.

Is Poland part of SEPA?

Yes. Poland is an EU member and a full SEPA participant. Euro transfers from other EU and EEA countries can be received via SEPA Credit Transfer. However, Poland's currency is the zloty (PLN), so EUR SEPA transfers may be converted to PLN unless you hold a dedicated EUR account. PLN transfers from abroad go through SWIFT.

What is the NRB and how does it relate to the Polish IBAN?

The NRB (Numer Rachunku Bankowego) is Poland's 26-digit domestic bank account number, consisting of a 2-digit checksum, 8-digit bank sort code, and 16-digit account number. The IBAN adds the PL country code and 2 IBAN check digits at the front: PL + check digits + 24-digit portion of NRB = 28 characters.

Do I need a SWIFT code to receive transfers from abroad in Poland?

For SEPA EUR transfers from EU and EEA countries, only the PL IBAN is sufficient. For PLN transfers from abroad or any transfer from outside SEPA, the sender needs both your 28-character PL IBAN and your bank's SWIFT/BIC code. PKO BP's SWIFT code is BPKOPLPW; mBank's is BREXPLPW; ING Bank Slaski's is INGBPLPW.

Do Polish banks have separate EUR and PLN accounts?

Yes. Many Polish banks maintain separate EUR and PLN accounts, each with its own IBAN. If you regularly receive EUR from within the EU, ask your bank about opening a dedicated EUR account to avoid automatic PLN conversion. PKO BP, mBank, and ING all offer multi-currency account options.

What are common mistakes when sharing a Polish IBAN?

Common mistakes include: confusing the NRB domestic format with the IBAN (the NRB is 26 digits without the PL prefix), transposing digits in the long 28-character IBAN, and providing the wrong sort code. The 28-character length makes Polish IBANs more prone to transcription errors — always double-check before sharing.

What domestic payment systems does Poland use alongside IBAN?

Poland's Elixir system handles standard domestic PLN transfers and Express Elixir provides instant PLN payments — both use the IBAN internally. BLIK is Poland's popular mobile payment system for in-store and P2P payments. For international transfers, SWIFT and the PL IBAN are the required standard.

How IBAN is used in Poland

Poland uses a 28-character IBAN, one of the longer formats in Europe, built from the domestic NRB (Numer Rachunku Bankowego) standard. The NRB contains a two-digit check sum, an eight-digit bank sort code, and a sixteen-digit account number. Since Poland joined the EU, it has been a full SEPA member, and IBANs are used for all cross-border euro transfers, even though the domestic currency is the zloty (PLN).

A Polish IBAN starts with PL, two check digits, and then the 24-digit NRB. Major banks like PKO Bank Polski (PKO BP), mBank, ING Bank Slaski, Bank Pekao, and Santander Bank Polska all provide IBANs in their online banking platforms. If you have your NRB, simply prepend PL and the IBAN check digits.
For receiving euro transfers from within SEPA, only the Polish IBAN is needed. However, if someone is sending PLN from abroad, the transfer goes through SWIFT and the sender will need your IBAN plus your bank's BIC code. Be aware that some Polish banks maintain separate EUR and PLN account numbers, each with its own IBAN.
Poland's Elixir and Express Elixir systems handle domestic PLN transfers, but these are invisible to the end user — you simply provide your IBAN. For incoming remittances from countries like the UK or US, ensure the sender specifies the correct currency to avoid unnecessary conversion fees at the receiving bank.