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๐Ÿ‡ต๐Ÿ‡ฑ Study in Poland: Complete Finance Guide 2026

Everything international students need to know about money, banking, and living expenses in Poland.

๐Ÿ“… Updated April 2026 โฑ๏ธ 9 min read ๐Ÿ‘ค By VisaFold

Why Study in Poland?

Poland is one of the top destinations for international students, attracting hundreds of thousands of students annually. With world-class universities, diverse culture, and strong post-study work opportunities, it remains a top choice.

Key Financial Requirements for Poland

Students on a student visa in Poland need to demonstrate financial capability. Here's what you need:

Best Bank Accounts for International Students in Poland

๐Ÿ’ธ Send Money Abroad with Wise
Transfer money internationally with real mid-market rates and low fees. Trusted by 16M+ customers.
Send Money with Wise โ†’

Opening a local bank account in Poland is essential for receiving stipends, paying rent, and managing daily expenses without international transaction fees.

Top Options:

How to Send Money to Poland as a Student

Transferring tuition fees and living expenses to Poland is a major financial task. Here's how to minimize costs:

ProviderFeeExchange RateBest For
Wise~0.5-1%Mid-marketRegular transfers
RemitlyVaries by amountCompetitiveUrgent same-day transfers
FlywireLow for tuitionUniversity rateDirect tuition payments
Western UnionHigherMarked upCash pickup option

SIM Card for Poland

Before you land: Get an  eSIM that works in Poland โ€” activate it before your flight and have data from the moment you land.

After arrival: Get a local SIM for the best rates on long-term plans.

Health Insurance in Poland

Students in Poland on a student visa may need to purchase health insurance. Check your university requirements and compare plans.

Cost of Living in Poland

Living costs vary significantly by city. Budget carefully:

ExpenseMonthly Estimate (PLN)
AccommodationPLN 800โ€“1,800
Food & groceriesPLN 300โ€“500
TransportPLN 80โ€“150
Phone & internetPLN 30โ€“60
EntertainmentPLN 100โ€“200
TotalPLN 1,310โ€“2,710

Part-Time Work in Poland

Check the specific work rights under your student visa in Poland. Most student visas allow 20 hours/week during term time.

โœˆ๏ธ Getting There & Exploring

Find flights and book experiences in your new city:

Aviasales
Compare cheap student flights
Klook
Activities, passes & experiences
KKday
Tours, day trips & attractions
Tiqets
Museum & attraction tickets

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๐ŸŒ Get the Free Study Abroad Finance Checklist

The exact steps to set up your finances before you land โ€” bank account, money transfers, SIM card, forex card & health insurance.

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๐ŸŽ“ Full Study Guide โ€” Poland
Complete finance guide