Poland
Poland’s digital payments market in 2026 is bank-led, with Account-to-Account (A2A) payments at the center of how consumers transact. Local bank transfers account for the vast majority of transaction volume, around 99%, significantly reducing the role of credit and debit cards online. For B2B businesses entering the market, prioritizing real-time bank transfers and BLIK integration is key to reaching consumers and unlocking growth in Poland.
*Data is for Codapay in the period of 1st Oct 2024 - 30th Sep 2025
**Other payment methods: Card Payments (0.4%), Google Pay/Apple Pay (0.1%), Paypal (0.1%)
Impact figures
72%
Android users
28%
iOS users
20.3%
Credit & Debit Card ownership
1B
App downloads in 2025
727.1M
App revenue (USD) in 2025
Insights
Digital wallets
Poland’s dominant Android market limits Apple Pay’s effectiveness for enabling online payments.
Cards
Credit & Debit cards have low penetration in-market, reducing the effectiveness of this channel and likely overlapping significantly with the Apple user population.
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