According to National Bank of Poland data, in 2012 23 percent of Poles did not have a bank account. The reasons why they don't have one are varied – 50 percent of respondents said that they don't need one, 25 percent said they prefer keeping their savings in cash, while 23 percent claim they don't have any savings to keep on a bank account.
The results are in line with other studies which claim that 20-25 percent of Poles have no bank account, and that figure has been consistent for years, despite the fact that in 2011 alone, Poles opened 2 million new bank accounts.
The same study revealed that 63 percent of Poles use payment cards, while 14 percent don't have a single one and 4 percent have a payment card but never use it.
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