{"id":1593,"date":"2025-08-30T12:36:49","date_gmt":"2025-08-30T10:36:49","guid":{"rendered":"https:\/\/fpna.pl\/cr\/finances-at-a-new-address\/ls\/bank-and-account-selection\/"},"modified":"2025-09-09T21:07:53","modified_gmt":"2025-09-09T19:07:53","slug":"bank-and-account-selection","status":"publish","type":"lesson","link":"https:\/\/fpna.pl\/en\/cr\/finances-at-a-new-address\/ls\/bank-and-account-selection\/","title":{"rendered":"Bank and account selection"},"content":{"rendered":"\n
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Bank and account selection<\/strong><\/h1>\n\n\n\n

A practical step-by-step guide<\/strong><\/p>\n<\/div><\/div>\n\n

Choosing a bank is more than an advertisement. It’s a decision that affects your daily finances. <\/p>\n\n

To accomplish its tasks, the NBP performs three key functions:<\/strong><\/p>\n\n

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\n <\/path>\n <\/path>\n <\/path>\n <\/path>\n <\/path>\n <\/path>\n <\/path>\n <\/path>\n <\/path>\n<\/svg><\/div><\/div>\n\n\n\n

Bank selection criteria:<\/strong><\/h2>\n<\/div>\n\n
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1<\/span><\/div><\/div>

Fees and commissions:<\/strong><\/h3><\/div>\n\n\n\n
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  • Account maintenance:<\/strong> Is it free? If not, what are the conditions to avoid the fee (e.g., minimum monthly inflow to the account, number of card transactions)? <\/li>\n\n\n\n
  • Card fees:<\/strong> Is the debit card free?<\/li>\n\n\n\n
  • ATM withdrawals:<\/strong> Are ATM withdrawals from the bank’s ATMs and other networks (e.g. Euronet, Planet Cash) free of charge?<\/li>\n\n\n\n
  • Transfers:<\/strong> are domestic transfers free? How much do foreign transfers cost, such as to Ukraine? <\/li>\n<\/ul>\n<\/div>\n\n\n\n
    \n
    2<\/span><\/div><\/div>

    Accessibility and amenities:<\/strong><\/h3><\/div>\n\n\n\n
      \n
    • Mobile app and online banking:<\/strong> make sure they are intuitive, secure and available in a language you understand (often Ukrainian or English).<\/li>\n\n\n\n
    • ATMs and deposit machines:<\/strong> Check their location near where you live and work. Find out how much it costs to withdraw at another network’s ATM. <\/li>\n\n\n\n
    • Customer service:<\/strong> Does the bank offer service in your language, such as on the hotline?<\/li>\n<\/ul>\n<\/div>\n\n\n\n
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      3<\/span><\/div><\/div>

      Additional benefits:<\/strong><\/h3><\/div>\n\n\n\n
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      • Discount<\/strong> and cashback<\/strong> programs<\/strong> for purchases.<\/li>\n\n\n\n
      • Start-up bonuses<\/strong> for setting up an account (e.g., PLN 100-200).<\/li>\n\n\n\n
      • The amount of interest on the funds<\/strong>.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","class_list":["post-1593","lesson","type-lesson","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/lesson\/1593","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/lesson"}],"about":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/types\/lesson"}],"replies":[{"embeddable":true,"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/comments?post=1593"}],"wp:attachment":[{"href":"https:\/\/fpna.pl\/en\/wp-json\/wp\/v2\/media?parent=1593"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}