This sounds good in theory, but the way it’s implemented in Poland is a bit of a joke. The basic account must be your only bank account in Poland. You need to v

This sounds good in theory, but the way it’s implemented in Poland is a bit of a joke. The basic account must be your only bank account in Poland. You need to visit a bank branch to open it (for any other accounts, you can usually just take a selfie and a photo of your ID card), banks tend not to promote its existence and hide it in unguessable places on their websites, and there are some other random limitations (eg. no e-government access, no Google Pay). The basic account is free, has a free debit card, and has five free operations and five free ATM withdrawals. But normal accounts with cards cost nothing if you have some minimum usage, standard transfers done in online banking are free, and withdrawals in the bank’s own ATMs are usually free too. The effect? Less than ten thousand basic accounts existed in 2020, two years after their introduction. (source in Polish: https://serwisy.gazetaprawna.pl/finanse-osobiste/artykuly/1488199,podstawowe-rachunki-platnicze-ma-mniej-niz-10-tys-osob.html https://serwisy.gazetaprawna.pl/finanse-osobiste/artykuly/14...)