The Polish Bank Association (ZBP) has released its latest NetB@nk Report, summarizing the development of electronic banking in Poland in the second quarter of 2025. The data reveal a clear trend – more and more clients are relying solely on mobile apps, while the number of active internet banking users is declining.
Mobile Surpasses Internet Banking
By the end of Q2 2025, the number of active mobile application users reached 26.2 million, up 3% from the previous quarter and as much as 16% year-on-year.
A growing share of these users are so-called mobile-only clients, who rely exclusively on mobile banking apps. Their number rose to 19.5 million, accounting for 74% of all active mobile users. This represents a 7% quarterly increase.
Decline in Internet Banking
At the same time, the number of active internet banking users fell by 3% to 23 million. This marks the first significant decline in several quarters, despite the number of accounts with online access rising to 44.7 million.
The average transfer value for individual clients in Q2 2025 was 1,354.88 PLN, a 14% increase compared to the previous quarter.
SMEs More Active
The small and medium-sized enterprise (SME) sector also continued to grow. The number of companies with access to internet banking reached 3.7 million, while the number of active users in this segment rose to 2.6 million, reflecting a 3% quarter-on-quarter increase.
The average transfer value among SMEs was 6,564.79 PLN, with more than 15 transactions per active client on average.
Record Non-Cash Payments
Cashless transactions also saw record growth. The Express Elixir system registered over 160 million instant transfers worth 79 billion PLN – an increase of 11% in volume and 9% in value compared to Q1 2025.
In the traditional Elixir system, the number of transactions reached 566 million, with a turnover exceeding 2.4 trillion PLN, up 5% quarter-on-quarter.
The euro settlement system, Euro Elixir, also expanded dynamically. In Q2 2025, nearly 14 million transactions worth around 99 billion euros were processed, marking respective increases of 5% and 10%.
Report Findings
The report highlights a clear shift in preferences among Polish banking clients. More people are moving away from traditional internet banking in favor of more convenient mobile applications. As the authors emphasize:
“Bank customers increasingly expect fast, simple, and intuitive access to services, and the smartphone is becoming the primary tool for interacting with banks.”
Source: CEO.com.pl
