IBAN in Poland
Poland IBANs are 28 characters long, starting with PL. Below you'll find the format, an example, and 5 major banks with SWIFT codes.
Poland IBAN Format
Polish Zloty ยท PLN
Poland IBAN Structure
2-letter country code + 2 check digits + 8-digit routing number (incl. check digit) + 16-digit account number
How Bitwage Pays Poland
Bitwage routes Poland contractor payments via SEPA instant transfer โ typically free and settling in under 10 seconds. You enter the contractor's IBAN and SWIFT code; Bitwage handles FX conversion and routing.
See all Poland payment railsMajor Banks in Poland with SWIFT Codes
Click any bank for a bank-specific IBAN example and payment instructions.
| Bank | SWIFT / BIC | |
|---|---|---|
| PKO Bank Polski | BPKOPLPW | IBAN guide |
| Bank Pekao | PKOPPLPW | IBAN guide |
| mBank | BREXPLPW | IBAN guide |
| ING Bank ลlฤ ski | INGBPLPW | IBAN guide |
| Santander Bank Polska | WBKPPLPP | IBAN guide |
Skip the SWIFT fee. Pay via Bitwage.
Route Poland contractor payments via SEPA โ same-day, near-zero fees.
Poland IBAN FAQ
Common questions about Poland IBAN format, validation, and international payments.
Poland IBANs are 28 characters long and always start with PL. The structure is: 2-letter country code + 2 check digits + 8-digit routing number (incl. check digit) + 16-digit account number. An example Poland IBAN looks like: PL61 1090 1014 0000 0712 1981 2874.
For SEPA payments within the EU/EEA โ including to Poland โ the IBAN alone is sufficient. For international SWIFT international wire transfer wires from outside the SEPA zone, you will also need the bank's BIC/SWIFT code.
Poland is in the SEPA bank transfer zone, so Bitwage routes your payment via SEPA โ typically for free or a fraction of a percent. No $25โ50 SWIFT wire fee. Just enter the contractor's IBAN and Bitwage handles the rest via {{link:products/contractor-payments}}.
A valid Poland IBAN is exactly 28 characters, starts with PL, and passes the mod-97 check digit algorithm. Bitwage validates all IBANs automatically before routing any payment โ preventing misdirected funds. For batch payments, use {{link:products/masspay}} with CSV upload.
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