🇵🇱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	Freecash - Zarabiaj OnlineFreecash	Android	4.3	289
4	XTB Online InvestingXTB S.A.	Android	4.4	268
5	Skrill – Wysyłaj pieniądzePaysafe Holdings UK Limited	Android	4.5	262
6	Alior MobileAlior Bank S.A.	Android	3.9	239
7	Moje ING mobileING Bank Slaski S A	Android	4.8	236
8	Portfel GoogleGoogle LLC	Android	4.4	232
9	Plus500 Trading i InwestowaniaPlus500 Trading	Android	4.4	207
10	PayPalPayPal Mobile	Android	4.2	205
11	ZEN.COM – Cashback i płatnościZEN.COM	Android	4.3	201
12	PeoPayBank Pekao SA	Android	4.8	155
13	BNP Paribas GOmobileBNP Paribas Bank Polska S.A.	Android	4.4	147
14	VeloBankVeloBank S.A.	Android	3.0	141
15	IKO – PKO Bank PolskiPKO Bank Polski SA	Android	4.7	140
16	Bank MillenniumBank Millennium SA	Android	4.8	134
17	Klarna: Mądrzejsze finanseKlarna Bank AB (publ)	Android	4.8	126
18	ErsteErste Bank Polska S.A.	Android	4.8	120
19	Revolut — Bank i InwestowanieRevolut Ltd	Android	4.5	101
20	UniCredit PL, BEUnicredit Nv/Sa	Android	2.6	100
21	Vantage:All-In-One Trading AppVantage Global Prime PTY LTD	Android	4.9	80
22	CA24 Mobile — pełna korzyściCredit Agricole Bank Polska S.A.	Android	3.8	77
23	mojePZU mobilePZU	Android	3.7	72
24	Santander Consumer BankSantander Consumer Bank S.A.	Android	2.9	58
25	eUrząd SkarbowyMinisterstwo Finansów, Warszawa, Polska	Android	4.3	23
26	OANDA TMS Brokers Forex AkcjeOanda TMS Brokers S.A.	Android	4.1	22
27	KSeF 2.0Ministerstwo Finansów, Warszawa, Polska	Android	2.9	18
28	PayPal - Send, Manage, PayPayPal, Inc.	iOS	4.6	10
29	Trade Republic: Broker & BankTrade Republic Bank GmbH	iOS	4.5	9
30	Klarna: Smarter everyday moneyKlarna Bank AB	iOS	4.8	8
31	XTB Online InvestingXTB S A	iOS	4.7	8
32	SplitwiseSplitwise, Inc.	iOS	4.0	7
33	ZEN.COM: Multi-Currency WalletUAB ZEN.COM	iOS	4.8	7
34	CA24 Mobile – pełna korzyściCredit Agricole Bank Polska S.A.	iOS	4.8	6
35	e-pitye-file sp. z o.o.	Android	4.8	6
36	PeoPayBank Pekao SA	iOS	4.7	6
37	mBank PL - Twój bank i finansemBank S.A.	iOS	4.8	5
38	e-Urząd SkarbowyMinisterstwo Finansów	iOS	3.0	5
39	Revolut — Teen FinanceRevolut Ltd	iOS	4.7	5
40	BNP Paribas GOmobileBNP Paribas Polska SA	iOS	4.8	5
41	Moje ING mobileING Bank Slaski S.A.	iOS	4.9	4
42	Revolut — Mobile FinanceRevolut Ltd	iOS	4.9	4
43	Santander Consumer BankSantander Consumer Bank S.A.	iOS	4.9	4
44	tricount: Split & Settle BillsTricount	iOS	4.8	0
45	Bank MillenniumMillennium bcp	iOS	4.8	0
46	UniCredit PL, BEUniCredit NV/SA	iOS	4.6	0
47	Alior MobileALIOR BANK S.A.	iOS	4.6	0
48	ErsteSantander Bank Polska S.A.	iOS	4.7	0
49	SkyCashSkyCash	iOS	3.0	0
50	PITax Twoje rozliczenie PITPITax. Oficjalne rozliczenie e-PIT	Android	4.9	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 →