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The Warsaw Voice » Business » April 6, 2017
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One in Five Poles Without Bank Account: Survey
April 6, 2017   
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Despite the widespread availability of banking services, 21 percent of Poles still do not have a personal bank account, a new survey finds.

The survey, conducted by Polandís central bank (NBP), probes the banking habits of Polish people. It finds that bank accounts are the least popular in the youngest and oldest age groups. Only 58 percent of those surveyed in the 18-24 age group said they owned a bank account, and the figure for those aged 59 and older was 57 percent.

The survey examines the relationship between the popularity of personal bank accounts and average household income. It finds that the more money a family earns, the more likely its members are to have bank accounts.

The study also looks at the monthly costs of maintaining a personal bank account in Poland. Fifty-two percent of account owners said they pay no monthly fee at all, while 25 percent said they pay between PLN 6 [EUR 1.40; USD 1.50] and PLN 10 [EUR 2.30; USD 2.45] a month. The lowest fees are paid by individuals aged under 39 who live in cities with a population of over 200,000, according to the survey.

The survey shows that 82 percent of personal bank account owners in Poland also hold debit cards. Such cards are most frequently used by people aged under 24 (93 percent), while being the least common among users in the 59+ age group (61 percent).

Seventy-three percent of personal bank account owners in Poland manage their accounts over the internet, according to the survey. Most online banking service users are aged between 25 and 39, closely followed by the 18-24 age group. Only 29 percent of respondents aged 59 and over go online to manage their finances.

As with personal bank accounts, the popularity of online banking services depends on household income, ranging from 31 percent in the least affluent families to 90 percent in families with a net monthly income of over PLN 5,000 [EUR 1,160; USD 1,230] per person.

Source: Polish Press Agency
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