Santander Bank Polska review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Santander Bank Polska, a direct lender in Poland, offers personal and debt consolidation loans at a fixed 15.49% with fees of 0.00% of the loan amount (0 zł).

Key facts

Best for
A fixed rate cash loan or debt consolidation in Poland with no arrangement fee added at drawdown.
APR
15.49% (Source, checked September 26, 2026)
Loan amount
PLN 300,000 (Source, checked September 26, 2026)
Term
3 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0.00% of the loan amount (0 zł) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Same day the application is submitted (Source, checked September 26, 2026)
Representative example
Cash loan: RRSO 15.49%, loan amount 31,700 zł, total repayable 49,855.32 zł, fixed annual interest 14.49%, agreement over 81 months, 80 equal instalments of 615.64 zł, total cost 18,155.32 zł (calculation dated 4.09.2026) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Adult with full legal capacity, stable documented income, and residence in Poland where income is earned (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Legal entity
Erste Bank Polska S.A. (formerly Santander Bank Polska S.A.), KRS 0000008723 (Source, checked September 26, 2026)
Headquarters
Poland (Source, checked September 26, 2026)
Founded
1988 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
santander.pl

Mortgages

APRC
6.99% (Source, checked September 26, 2026)
Fixed period
5 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
PLN 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Erste Bank Polska S.A. (formerly Santander Bank Polska S.A.), KRS 0000008723 (Source, checked September 26, 2026)
Headquarters
Poland (Source, checked September 26, 2026)
Founded
1988 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInyoutube.com

Pros and cons

Pros

  • The arrangement fee on the cash loan is 0.00% of the loan amount (0 zł) of the loan amount, so nothing is added to draw the money down.
  • Fixed rate pricing of 15.49% over terms of 3 to 120, and early repayment is free.
  • A direct lender, direct lender, offering personal and debt consolidation loans, personal and debt consolidation, with a history back to 1988.
  • Funding is Same day the application is submitted, and the mortgage side covers purchase and remortgage, purchase and remortgage.

Cons

  • A hard credit check, hard, rules out applicants without a solid credit file.
  • The representative cash loan example repays far more than it borrows across a 3 to 120 term, so the cost compounds over a long repayment.
  • Support runs on phone and help centre only, with no chat or email listed.
Santander Bank Polska

Ready to try Santander Bank Polska?

Scored 9.2 / 10 by BorrowCue.

See alternatives

Who it suits

  • Adults with full legal capacity, a stable documented income and residence in Poland where that income is earned, which is the stated eligibility.
  • Borrowers consolidating balances into a single fixed rate loan, since debt consolidation is one of the loan types, personal and debt consolidation.
  • People who want to settle a loan early without penalty, as free early repayment is listed.

Who should look elsewhere

  • Cashspace, which lists a rate of PHP 12 to PHP 36 in another market, if you are not borrowing in Poland.
  • Monzo Flex, whose listed rate of 10% to 23% starts lower than the 15.49% charged here.
  • Cashspace ES, listed at a 0% rate, if a term running to 3 to 120 feels long.

How Santander Bank Polska compares

Where Santander Bank Polska is available

Available
Poland
Licence in Poland
Komisja Nadzoru Finansowego (KNF), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the cash loan cost and are there arrangement fees?+

The cash loan runs at a fixed 15.49% on amounts of PLN 300,000 and terms of 3 to 120. The arrangement fee is 0.00% of the loan amount (0 zł), and early repayment is free, so clearing the balance ahead of schedule adds nothing in penalty.

How quickly does the money arrive?+

Funding is listed as Same day the application is submitted, with same day funding among the product features, same day funding. Because the rate is fixed, fixed, the instalments are fixed at the start of the agreement rather than moving with a base rate.

Which regulator supervises the lender?+

The lender is supervised in Poland by the Komisja Nadzoru Finansowego, the financial regulator named for this market. The lending entity is Erste Bank Polska S.A., previously Santander Bank Polska S.A., so the same bank carries current and former applications.

Can a loan be repaid early without a charge?+

Free early repayment is one of the listed terms, so settling the balance ahead of the agreed schedule carries no fee. On a fixed 15.49% rate over 3 to 120, it makes a shorter term worth costing out before you sign.

What does the mortgage side offer?+

The mortgage product carries an APRC of 6.99% with 5 of fixed pricing, and a product fee of PLN 0. It is aimed at purchase and remortgage, purchase and remortgage, with a maximum loan to value of 90%.

Which other lenders list a lower rate?+

Monzo Flex lists 10% to 23% and Cashspace lists PHP 12 to PHP 36, against 15.49% on this Polish cash loan. Both sit in other markets, so the currency, eligibility and deposit rules will not match a Polish applicant.

How can the account be reached for help?+

Support runs on phone and help centre, so phone and help centre are the listed routes for questions on an application or repayment. There is a single market for this offer, with lending carried out in Poland.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Santander Bank Polska

Santander Bank Polska

A fixed rate cash loan or debt consolidation in Poland with no arrangement fee added at drawdown.

9.2/10See alternatives

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