N26 bank launches activity in Poland

N26 is a German mobile bank that has recently started operating in Poland. The company decided to expand its activity not only to Poland but also Sweden, Denmark and Norway. November is the first month when clients may open accounts and start using their services.


The bank does not have brick and mortar branches at all. All operations are performed by the clients with their smartphones, including account opening. During the registration process, the prospective client’s identity is verified through a video chat with a consultant and presenting of one’s identity card. The bank is Germany-based and will not employ consultants in Poland. That means all conversations with the consultants will be carried out in English.


The financial company offers EUR accounts for individuals as well as businesses. They also issue Mastercard payment cards. Both the standard account (for natural persons) and the payment card are free of charge. Account holders will be able to carry out international wire transfers, pay for their purchases, withdraw money from cash machines and exchange currency. The business offer is mainly targeted to the self-employed and freelancers. Security of transactions is ensured through fingertip login, push notifications, 3D Secure and three-tier security procedures.


The institution holds a banking licence from European Central Bank and clients’ deposits up to the amount of 100 000 EUR are covered by German compensation scheme. The bank has offices in Germany, Span and the US. The company teamed up with TransferWise and offers international transfers into 19 different currencies. Customer service is offered in English, French, German, Spanish and Italian.


N26 is currently present on 22 European markets and has plans to expand its operations to Iceland and Liechtenstein later this year and the United States within the first six months of 2019. Since 2013 it has attracted over one and a half million customers. Their goal is “redesigning banking for the 21st century”.



Contact info

Poland Zalewski Consulting addressesAddresses:

Warsaw office:

Filip Roger Zalewski
Poland Zalewski Consulting
Cafelco Consulting Poland Sp. z o.o.
ul. Modlińska 129 / U10
03-186 Warsaw

Accounting department:

Dorota Ostafińska
Poland Zalewski Consulting
Cafelco Consulting Poland Sp. z o.o.
ul. Torfowa 2
30-384 Cracow
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