Poland: Interbank transfer delays expected due to November 11 holiday

Standard interbank transfers in Poland will face delays due to the National Independence Day holiday on Wednesday, November 11, 2026. Because the Elixir system does not conduct standard settlements on public holidays, transfers made on Tuesday, November 10, after the final outgoing session will not be processed until Thursday, November 12.

Individual banks set their own cutoff times for outgoing sessions. While approving a transaction in a banking app may immediately debit an account, the actual transfer to another bank may be delayed. Customers are advised to check the specific schedules of their banks, such as PKO BP, Pekao, ING, or mBank, to ensure funds arrive before the holiday.