During a recent press conference, UniCredit authorities in Poland, led by Supervisory Board Chairman Wojciech Sobieraj, presented detailed plans for development on the Polish market. In short, they want to offer what other banks and fintech companies already provide in Poland, but everything will be available in one place in the UniCredit app, and it will be the cheapest on the market.

Investment tools are to be one of the most essential elements of UniCredit's offering in Poland. Customers can use them from the end of last week. In total, there are approximately 2,800 different products. These do not include cryptocurrencies or other crypto assets, as, according to Sobieraj, the 'average Joe' neither needs nor should invest in such instruments. However, it is not ruled out that in the future it will be possible to invest in crypto in the UniCredit application.

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Concluding the theme of investments, UniCredit representatives emphasised that they would be developing their offering in this area. For example, they intend to launch investment robot advisory services for mass-market customers from December 2025. They declare that the price list will always remain transparent and attractive; for example, it is currently 0.15% for instruments from the Polish market and 0.03% for foreign instruments (minimum PLN 4). The terms and conditions for saving should also be transparent – deposits may not offer the highest rates on the market. Still, they will always be free of additional conditions, e.g., no minimum or maximum amounts.

Wojciech Sobieraj's statement also indicates that UniCredit will launch a mortgage loan product later this year. At the beginning of next year, it will also introduce a children's account, pension products such as IKE and IKZE accounts, and insurance products. The branch network is expected to reach its target shape by the end of 2026 and comprise 40 branches (currently, 11 in the country's largest cities).

When I asked him how the bank he represents will differ from its competitors, Sobieraj drew a comparison to a hypermarket, where you can buy everything and not pay for the pleasure of being a customer, i.e., parking is free. UniCredit banking in Poland will be the same: modern and convenient, with a comprehensive and affordable offering. This means that basic services, such as accounts and cards, will always be free. Transfers and ATMs worldwide will also be free. Sobieraj used another comparison here, this time to Alior, which, when it entered the market in 2008, offered all ATMs for free, sparking a small revolution. According to Sobieraj, UniCredit has the ambition to bring about even more such changes – it wants to be Revolut, only with a banking licence.

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Representatives of the Italian institution also stated that the mobile application, which is currently available in Poland and Belgium, was developed in Poland. At the turn of Q1 and Q2 2026, UniCredit will enter two more European markets. The particular destinations were not specified, but Spain and Portugal were mentioned as examples. Polish managers hope that, in the future, it will become the main application of the UniCredit group across all markets where it operates. The technology developed in Poland uses, among other things, blockchain and artificial intelligence. It is intended not only to reduce costs but also to improve the quality of customer service. However, the bank does not intend to be ruthless in this regard. This will be reflected, among other things, in the fact that customers will always have a button in the application that lets them initiate a conversation with a live agent.

UniCredit authorities are avoiding answering questions about their acquisition goals in Poland (the bank currently has several thousand individual customers). These are to depend, among other things, on the initial results of an advertising campaign to be launched in the near future. Gamification elements to be included in the bank's mobile application in the near future are also expected to help acquire new customers. However, no details of this solution have been provided.