🇵🇱Worst Finance Apps in Poland

The most complained-about finance apps in Poland on App Store and Google Play, ranked by total negative reviews (1-2 stars) from real users. Updated weekly.

#	App	Platform	Rating	Negative Reviews
1	Trade Republic: Broker & BankTrade Republic Bank GmbH	Android	4.2	380
2	mBank PL - Twój bank i finansemBank S.A.	Android	4.5	324
3	XTB Online InvestingXTB S.A.	Android	4.4	267
4	Skrill – Wysyłaj pieniądzePaysafe Holdings UK Limited	Android	4.5	262
5	Freecash - Zarabiaj OnlineFreecash	Android	4.4	243
6	Alior MobileAlior Bank S.A.	Android	3.9	239
7	Moje ING mobileING Bank Slaski S A	Android	4.8	234
8	Portfel GoogleGoogle LLC	Android	4.4	232
9	PayPalPayPal Mobile	Android	4.2	217
10	ZEN.COM – Cashback i płatnościZEN.COM	Android	4.3	201
11	PeoPayBank Pekao SA	Android	4.8	156
12	BNP Paribas GOmobileBNP Paribas Bank Polska S.A.	Android	4.4	146
13	IKO – PKO Bank PolskiPKO Bank Polski SA	Android	4.7	141
14	VeloBankVeloBank S.A.	Android	3.0	133
15	Bank MillenniumBank Millennium SA	Android	4.9	132
16	Klarna: Mądrzejsze finanseKlarna Bank AB (publ)	Android	4.8	126
17	Revolut — Bank i InwestowanieRevolut Ltd	Android	4.5	120
18	ErsteErste Bank Polska S.A.	Android	4.7	117
19	UniCredit PL, BEUnicredit Nv/Sa	Android	2.6	100
20	Vantage:All-In-One Trading AppVantage Global Prime PTY LTD	Android	4.9	80
21	CA24 Mobile — pełna korzyściCredit Agricole Bank Polska S.A.	Android	3.8	77
22	mojePZU mobilePZU	Android	3.7	72
23	Santander Consumer BankSantander Consumer Bank S.A.	Android	2.9	58
24	eUrząd SkarbowyMinisterstwo Finansów, Warszawa, Polska	Android	4.3	23
25	OANDA TMS Brokers Forex AkcjeOanda TMS Brokers S.A.	Android	4.1	22
26	KSeF 2.0Ministerstwo Finansów, Warszawa, Polska	Android	2.9	18
27	PayPal - Send, Manage, PayPayPal, Inc.	iOS	4.6	10
28	Trade Republic: Broker & BankTrade Republic Bank GmbH	iOS	4.5	9
29	XTB Online InvestingXTB S A	iOS	4.7	8
30	Klarna: Smarter everyday moneyKlarna Bank AB	iOS	4.8	8
31	ZEN.COM: Multi-Currency WalletUAB ZEN.COM	iOS	4.8	7
32	SplitwiseSplitwise, Inc.	iOS	4.0	7
33	CA24 Mobile – pełna korzyściCredit Agricole Bank Polska S.A.	iOS	4.8	6
34	PeoPayBank Pekao SA	iOS	4.7	6
35	e-pitye-file sp. z o.o.	Android	4.8	6
36	e-Urząd SkarbowyMinisterstwo Finansów	iOS	3.0	5
37	BNP Paribas GOmobileBNP Paribas Polska SA	iOS	4.8	5
38	Revolut — Teen FinanceRevolut Ltd	iOS	4.7	5
39	mBank PL - Twój bank i finansemBank S.A.	iOS	4.8	5
40	Santander Consumer BankSantander Consumer Bank S.A.	iOS	4.9	4
41	Moje ING mobileING Bank Slaski S.A.	iOS	4.9	4
42	Revolut — Mobile FinanceRevolut Ltd	iOS	4.9	4
43	UniCredit PL, BEUniCredit NV/SA	iOS	4.6	0
44	Santander Mobile BankingSantander UK plc	iOS	4.8	0
45	IKO – PKO Bank PolskiPKO BP S.A.	iOS	4.8	0
46	SkyCashSkyCash	iOS	3.0	0
47	ErsteSantander Bank Polska S.A.	iOS	4.7	0
48	PITax Twoje rozliczenie PITPITax. Oficjalne rozliczenie e-PIT	Android	4.9	0
49	tricount: Split & Settle BillsTricount	iOS	4.8	0
50	Bank MillenniumMillennium bcp	iOS	4.8	0

Worst Finance Apps in Other Countries

See how the same finance apps fare across other markets.

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Worst Apps in Poland by Other Categories

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Why Finance Apps Fail in Poland

Finance apps that earn the most complaints in Poland usually share the same failure patterns: missing local payment methods, broken integrations with country-specific services, slow servers, missing language support, or feature parity gaps with the global version. Reviews concentrate around the moment a finance feature works in the US or UK but breaks in Poland.

This page ranks finance apps in Poland by total number of negative reviews (1-2 stars). Whether you are researching competitors before launching a finance app in Poland, benchmarking your own app against local pain points, or just curious which finance apps users in Poland complain about most: this data shows you what is actually happening on the ground, not what marketing pages claim.

See best finance apps in Poland →|Worst Finance (global) →|All worst apps in Poland →|Full Leaderboard →