Terms and Conditions - applicable to clients who concluded an agreement on the Universal Onboarding Form in 2021 or later

• Master Account and Service Terms
• Confidentiality and Data Privacy Conditions
• Security Procedures
• Country Addendum for Bank Handlowy w Warszawie S.A.
• Cash Management User Guide (Poland)

Terms and Conditions - applicable to customers who concluded an agreement on the Account Opening Form and Bank Account Agreement in 2019–2020

• Master Account and Service Terms and Confidentiality and Data Privacy
• Local Conditions for Bank Handlowy w Warszawie S.A. and Regulatory Disclosures, Declarations, and Representations for Bank Handlowy w Warszawie S.A.
• Cash Management User Guide (Poland)

Terms and Conditions - applicable to Clients who concluded a bank account agreement before 2019

• General Terms and Conditions for cooperation with the Client - Rules valid from 16.07.2022
• General Terms and Conditions for cooperation with the Client - Rules valid to 15.07.2022
• General Terms and Conditions for cooperation with the Client - Rules valid to 13.09.2019
• General Terms and Conditions for cooperation with the Client - Rules valid to 19.12.2018