Internet banking in Poland is already 17 years old (the first virtual branch launched the Bank of the Commerce Inc. in Łódź on October 14, 1998), and its popularity is increasing every year. However, temporary admiration with the possibilities of e-banking as well as mobile banking is slowly falling, and the institutions that offer various forms of access to their services are most appreciated. Still many Poles prefer to deal with financial issues in the traditional way. A visit to a bank branch and face-to-face consultation with a bank representative, rather than by phone, chat or video call, is their guarantee of security. The elderly usually use classic ways of contacting the bank, although this is not the rule. According to the National Bank of Poland, still 20 percent. Poles do not have a bank account, of which every third person is aged 18-24. A visit to a bank branch in relation to the desire to take out a cash loan takes more time than when applying online, but the waiting time for money can be optimized. First of all, completing all required documents. Thanks to this, we save ourselves trouble and time in connection with the reporting of overdue papers.

Identity card is the basis

Identity card is the basis

One of the basic credit documents is your ID card. From it, the bank representative will write data such as name, surname, address of residence, PESEL number and ID number and series which are necessary to complete the loan application. The proof serves primarily to confirm our identity as well as citizenship and permanent residence address. It is worth remembering that thanks to these data there may be an attempt to extort money when our identity document falls into the wrong hands. Therefore, if we lose the evidence or it is stolen, it should be reserved and the fact reported to the police.

Employment certificate

Employment certificate

When choosing a bank loan for cash, it is a good idea to print the employment certificate from the bank’s website in advance. The employer must complete them, because the bank wants to know exactly how much we earn and on what contract we are employed. In this way he checks the stability of our income. It should be remembered that such a certificate is valid for 1 month from the date of issue.

When you go to a bank branch where you do not have a personal account, it is worth taking with you the bank account number on your notebook or telephone to which you want to transfer the cash loan.