Banks in Poland
REGISTER OF BANK CODES - FAQs
What does the word “bank” mean?
The word „bank” means: a domestic bank or a branch of credit institution or a branch of a foreign bank or Narodowy Bank Polski.
What is the bank number?
It is a number assigned by Narodowy Bank Polski to newly-founded banks, i.e. a unique bank identifier composed of 3 digits, and in the case of a cooperative bank – of 4 digits:
- in the case of cooperative banks, e.g:
8001 - Bank Spółdzielczy in Otwock,
9681 - Powiatowy Bank Spółdzielczy in Września,
- in the case of other banks, e.g.:
101 - Narodowy Bank Polski,
102 - Powszechna Kasa Oszczędności Bank Polski SA,
247 - Banco Espirito Santo de Investimento, S.A. Spółka Akcyjna Branch in Poland.
What is the bank identifying symbol?
It is a 3- or 4-digit symbol, also called “identifier”, at the beginning of a clearing code. Due to mergers and acquisitions it is possible that a bank has more than one identifier, e.g. Getin Noble Bank S.A. may use the identifying symbols 146 and 156, Bank BPH S.A. – 106 and 171, whereas ABS Bank Spółdzielczy – 8110 and 8123. A 4-digit identifier is used upon assigning the clearing code to a unit of a cooperative bank, and a 3-digit identifier to a unit of a bank of a different type. However, since banks of different types merge with one another all the banks may use both of the types of identifiers.
What is the bank identifier?
See the question on the identifying symbol of a bank.
How to identify a bank branch, on the basis of an account number?
In order to identify an organisational unit of a bank on the basis of a Customer’s account number, enter the number into the field “Account number, sort code or bank identifier” of the search engine. The window will be displayed with the information whether the account number is correct or not. If the account number entered is correct, after you choose the entered number and click the button „Search”, the specific data will be displayed concerning the bank and the organisational unit which operates the indicated account.
What are the components of a bank account number?
Why isn’t my bank branch on the list?
Narodowy Bank Polski operates the register of only those entities which have been granted a sort code. Those codes are assigned by Narodowy Bank Polski on the request of a bank. Information technology allows banks to operate on a single, centralised IT system to which are linked all the bank branches and other units. Such a bank may be compared to a big branch, which clusters all the customers’ accounts. Things look different in a case of a bank which uses a branch-based IT system, with individual branches operating on separate systems. Accordingly, your bank may have deemed that from a technical point of view not all branches require to be assigned a separate sort code. Your contact branch has not been included in the NBP register as no sort code has been allocated to it. As of today, there are three times more bank organisational units which have not been granted separate sort codes than those which are listed in the NBP registers.
How can I find a legal successor of a defunct bank?
In order to find a legal successor of a defunct bank, please address your query to Payment System Department (e-mail address: email@example.com).
How to obtain a sort code for a new unit of the bank?
Fill the Register Chart attached to the Regulation No 15/2010 of the President of Narodowy Bank Polski of 15 July 2010 (NBP Official Journal No 9/2010, item 9) and file it with Payment System Department at Narodowy Bank Polski.
How can I change the data for a bank unit in the register operated by Narodowy Bank Polski?
Fill in the Register Chart, attached to the Regulation No 15/2010 of the President of Narodowy Bank Polski of 15 July 2010 (NBP Official Journal No 9/2010, item 9) and file it with Payment System Department at the National Bank of Poland.
How often are the file in txt file updated?
The files in txt file on Narodowy Bank Polski website are updated subject to changes submitted by banks, at the most once a week.
What is the structure of txt file?
The structure of txt file is described in the following document.
How can I feed txt file to Excel, to preserve Polish fonts?
If you encounter problems converting the Polish fonts from txt into xls file, use coding "852: Central Europe (DOS)" in the "Creator of import" in Excel. Furthermore, in order to keep a proper format of the imported data, in the dialogue box allowing the specification of the type of data, please mark all the columns and choose „Text” format.”
What is the Regulation No 15/2010 on the method of numbering banks and bank accounts about?
The contents of the Regulation No 15/2010 of the President of Narodowy Bank Polski of 15 July 2010 (NBP Official Journal No 9/2010, item 9) please find in the following file.
What is the aim of the search engine?
The search engine allows obtaining data on banks and their organisational units that have been granted a sort code, i.e. contact data and data useful for making payments (e.g. BIC, sort code). Search engine enables also verification of the correctness of the national bank account number.
How can I use the search engine?
Depending on the information you search, you should fill specific (or all) fields. All the fields in the search engine are equipped with the function of roll-down selection field that enables selection of the relevant content for display. You accept the selected parametres of the information search by clicking the button „Search” (button „Clean” deletes the previously defined search criteria). The outcome is a list of banks and organisational units meeting the set search criteria. If no data meet the defined criteria, the message „No data meeting the set criteria” will be displayed.
It is worthwhile to know that completing more fields facilitates the search of information (the less precise the query, the longer the list of data to view).
By selecting a relevant option in the field „Type of bank” you may obtain information on either commercial banks (excl. co-operative banks) or co-operative banks – in a breakdown by affiliated and non- affiliated (optional). By leaving this and all other fields blank, you retrieve information on all the banks (incl. co-operative banks) and their organisational units operating in Poland.
In the field „Name of bank” you may choose a bank from the list (alphabetical list) or enter, if known, the name of the bank (e.g. Narodowy Bank Polski), its business name (used by some banks e.g. BRE Bank SA – mBank and MultiBank) or a short version of the bank’s name (e.g. NBP). While you are entering the text, the system will prompt a hint list (with the phrase written in full), from which you should select the relevant option for display.
By completing the field „Number of account, sort code or bank identifier” with:
- the identifying symbol of the bank (e.g. 101) – we obtain information on the bank using the specific bank identifier and on those of its organisational units which have been assigned sort codes (if you enter an identifier not used by any bank, the message “No data meeting the set criteria” will be displayed,
- sort code of a bank organisational unit (e.g. 10101674) - we obtain specific data of a bank organisational unit and of the bank which operates this unit,
- - bank account number – we obtain information whether the account number is correct (NRB - Bank account number, correct value - blue) or not (NRB - Bank account number, wrong value - red) and specific data of the bank and the organisational unit which operates a given account. Upon entering the national bank account number in the IBAN standard we also obtain information on the correctness of the number and the data of the bank and the organizational unit which operates the account.
Fields “Province”, “Powiat”, “Town” and “Street” allow territorial narrowing of the scope of the information search.
What is BIC?
BIC (Business Identifier Code) is a bank code assigned by the SWIFT organisation to be used by a bank organizational unit in payment clearing.
What is BIC SEPA?
BIC SEPA is a bank code assigned by the SWIFT organisation and used in SEPA transactions (Single Euro Payments Area) and employed by a bank organizational unit in payment clearing.
What is SWIFT?
SWIFT (Society for Worldwide Interbank Financial Telecommunication) is a global organisation via which banks, brokers, stock exchanges and other financial institutions exchange information, i.a. information on transactions. In order to identify those institutions under the framework of the electronic data exchange, SWIFT assigns to them BIC codes. The abbreviation SWIFT is at the same time the name of a system which serves to exchange data.
What is IBAN?
IBAN (International Bank Account Number) is an international number of bank account, used globally to unambiguously identify Customer’s account with the financial institution. IBAN has been developed to eliminate the problems related to the occurrence of different banking standards in cross-border transactions. Works on the standard of uniform bank account number applied in international trade were conducted by ISO (International Organization for Standardization) and ECBS (European Committee for Banking Standards). The elements of international bank account number (IBAN) are defined in the Polish Standard PN ISO 13616-1 UFinancial services – International bank account number (IBAN) - Part 1: Structure of IBAN.
For accounts operated by banks conducting their activities in Poland, IBAN is developed by putting a 2-letter code of Poland (PL) in front of the national bank account number (NRB). In order to find out the structure of IBAN for the national bank account number (NRB), see the answer to the question on the components of a bank account.
What is NRB?
It is a bank account number in the Polish system of numbering the accounts used locally for an unambiguous identification of a Customer’s bank account operated by a bank. The elements of NRB are defined in the Polish Standard PN-F-01102 Banking and related financial services – Bank account number (NRB) – Elements and principles of developing. In order to find out the structure of the national bank account number (NRB), see the answer to the question on the components of a bank account.
How can I contact Narodowy Bank Polski regarding the list of bank numbers?
Address your query to Payments System Department (e-mail: firstname.lastname@example.org).