🇵🇱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	325
3	Portfel GoogleGoogle LLC	Android	4.4	270
4	XTB Online InvestingXTB S.A.	Android	4.4	264
5	Skrill – Wysyłaj pieniądzePaysafe Holdings UK Limited	Android	4.5	262
6	Alior MobileAlior Bank S.A.	Android	3.9	239
7	Freecash - Zarabiaj OnlineFreecash	Android	4.4	238
8	PayPalPayPal Mobile	Android	4.2	236
9	Moje ING mobileING Bank Slaski S A	Android	4.8	234
10	ZEN.COM – Cashback i płatnościZEN.COM	Android	4.3	201
11	PeoPayBank Pekao SA	Android	4.9	152
12	Revolut — Bank i InwestowanieRevolut Ltd	Android	4.5	149
13	BNP Paribas GOmobileBNP Paribas Bank Polska S.A.	Android	4.4	146
14	Klarna: Mądrzejsze finanseKlarna Bank AB (publ)	Android	4.8	143
15	IKO – PKO Bank PolskiPKO Bank Polski SA	Android	4.7	135
16	Bank MillenniumBank Millennium SA	Android	4.9	133
17	ErsteErste Bank Polska S.A.	Android	4.7	116
18	UniCredit PL, BEUnicredit Nv/Sa	Android	2.6	100
19	Vantage:All-In-One Trading AppVantage Global Prime PTY LTD	Android	4.9	80
20	CA24 Mobile — pełna korzyściCredit Agricole Bank Polska S.A.	Android	3.8	77
21	mojePZU mobilePZU	Android	3.7	72
22	Santander Consumer BankSantander Consumer Bank S.A.	Android	2.9	58
23	e-Urząd SkarbowyMinisterstwo Finansów, Warszawa, Polska	Android	4.3	23
24	OANDA TMS Brokers Forex AkcjeOanda TMS Brokers S.A.	Android	4.1	22
25	KSeF 2.0Ministerstwo Finansów, Warszawa, Polska	Android	2.9	18
26	PayPal - Send, Manage, PayPayPal, Inc.	iOS	4.6	10
27	Trade Republic: Broker & BankTrade Republic Bank GmbH	iOS	4.5	9
28	XTB Online InvestingXTB S A	iOS	4.7	8
29	Klarna: Smarter everyday moneyKlarna Bank AB	iOS	4.8	8
30	SplitwiseSplitwise, Inc.	iOS	4.0	7
31	ZEN.COM: Multi-Currency WalletUAB ZEN.COM	iOS	4.8	7
32	PeoPayBank Pekao SA	iOS	4.7	6
33	e-pitye-file sp. z o.o.	Android	4.8	6
34	CA24 Mobile – pełna korzyściCredit Agricole Bank Polska S.A.	iOS	4.8	6
35	e-Urząd SkarbowyMinisterstwo Finansów	iOS	3.0	5
36	Revolut — Teen FinanceRevolut Ltd	iOS	4.7	5
37	BNP Paribas GOmobileBNP Paribas Polska SA	iOS	4.8	5
38	mBank PL - Twój bank i finansemBank S.A.	iOS	4.8	5
39	Santander Consumer BankSantander Consumer Bank S.A.	iOS	4.9	4
40	Moje ING mobileING Bank Slaski S.A.	iOS	4.9	4
41	Revolut — Mobile FinanceRevolut Ltd	iOS	4.9	4
42	PITax Twoje rozliczenie PITPITax. Oficjalne rozliczenie e-PIT	Android	4.9	0
43	ErsteSantander Bank Polska S.A.	iOS	4.7	0
44	Alior MobileALIOR BANK S.A.	iOS	4.6	0
45	Santander Mobile BankingSantander UK plc	iOS	4.8	0
46	Erste mBankingErste banka HR	iOS	4.9	0
47	UniCredit PL, BEUniCredit NV/SA	iOS	4.6	0
48	IKO – PKO Bank PolskiPKO BP S.A.	iOS	4.8	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 →