Payment methods in Poland

Europe

2methods

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

Popular options based on coverage and prominence in this market.

BLIK

A Polish mobile payment system where users generate a one-time, six-digit code from their bank app to complete a transaction. It is the national champion, used by around 17 million people.

Przelewy24

An instant bank transfer service that is very popular in Poland, accounting for roughly one-third of e-commerce payments.

All payment methods in Poland

Discover 2 payment methods from around the world

Showing 2 of 2 payment methods

Przelewy24

BLIK

Featured banks in Poland

Major institutions operating in this market.

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.