Notice closing a personal payment account (Poland)

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Notice ending a personal account agreement with a Polish bank or other payment provider: the account number and contract date, termination of the linked card and service agreements too, the account for the remaining balance, and a request to confirm closure. It relies on the Payment Services Act: notice cannot exceed one month, and closing is free unless it happens within the first 6 months.

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Common questions

Can a Polish bank charge for closing a personal account?

As a rule, no. A customer's notice ending a payment account agreement is free, and any contractual notice period cannot exceed one month (art. 35 of the Payment Services Act). The exception is notice given within 6 months of opening: if the agreement allows, the bank may then charge the customer, but only the actual costs of setting up the agreement.

How is a personal account moved to another bank in Poland?

The simplest way is the account-switching service: the customer signs an authorisation at the new bank, which runs the whole process — moving standing orders and direct debits, notifying named payers such as the employer, and on request closing the old account and transferring the balance. The service is free for consumers. A notice sent directly is enough when the customer prefers to move payments personally.

What needs doing before closing a Polish bank account?

Pay off any overdraft, cancel standing orders and direct debits or move them to the new account, give the employer and authorities the new account number, and download the transaction history, which may only be available for a fee after closing. A credit card is usually a separate agreement and needs its own notice. Keep the confirmation that the account was closed.