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Poland

Poland Payment Market Overview

Online shopping has taken some time to establish itself within Poland: the country’s business to consumer e-commerce market is worth €11 billion, representing a modest 1.9 percent of the overall European e-commerce market. Growth, however, has been steady in recent years and is set to continue at a double-digit compound annual growth rate of 10 percent to 2021.

Brands hoping to break into the Polish e-commerce market will need to be patient. An overwhelming majority of Polish people, 94 percent, currently say they would not buy a product via a click-through advert on a social media website or an app. Retailers will need a long-term strategy to establish themselves in such an arena, with the need to incentivize consumers to adopt online shopping habits.

Payment Methods in Poland

Key Market Indicators in Poland

€11,000,000,000
Online shopping market value
55%
Pay with online banking
87%
Bank account penetration
€581
Avg annual online spend

Banks in Poland

PKO BP
Bank Pekao
BZ WBK
mBank
ING Bank Śląski
BGZ BNP Paribas

Mobile Carriers in Poland

T-Mobile
Orange
Play
Plus

Integrate Polish Payment Methods

At present, bank transfers are Poland’s most-used payment method, taking a 50 percent share of all e-commerce transactions and €5 billion in yearly sales. This method is expected to grow at a compound annual growth rate of eight percent to 2021, but the rapid rise of cards as a payment option will dent the overall share of transactions carried out by bank transfers. Indeed, cards are forecasted to grow at a compound annual growth rate of 25 percent up until 2021 and will take almost 30 percent of the payment market. Card usage is growing quickly in the country as people turn away from cash payments, and Mastercard and Visa are already well established.

E-commerce fraud in Poland is low. Approximately one percent of online shoppers in the country experience fraud each year, compared with a European average of two percent. One reason for this is that there is a correlation between countries with very high card usage and the instances of e-commerce fraud. Bank transfers are popular in Poland and this payment method is typically less commonly used by fraudsters. Poland’s card usage is relatively low but is expanding very quickly, so merchants should be prepared for an increase in fraud attempts.

Country Statistics
Region Europe
Population 38 million
E-commerce market size €11 billion
Local currency PLN
Key Metrics
Internet penetration rate 72.4%
Internet cost €15/month
Mobile penetration rate 65%
Cellular technology standard 3G, 4G, 5G
Dual sim usage 35%
Popular mobile OS Android, iOS
Other Information
Big Mac Index 2.77
Average annual income €18,352
Largest Cities in Poland by Population
Warsaw 1,790,658
Kraków 779,115
Łódź 679,941
Wrocław 642,869
Poznań 534,813
Gdańsk 470,907
Szczecin 401,907
Bydgoszcz 348,190

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