The evolution of Poland’s rental market is giving rise to new services that support both tenants and landlords in building mutually beneficial relationships. A good example of this trend is Bingo-Rent – a fintech company developing a solution that eliminates the need for a traditional cash deposit. This innovation makes renting simpler and more accessible for everyone – both tenants and property owners.
Poland’s rental sector is undergoing a transformation driven by social and economic changes. It is developing within a polycentric urban structure and an increasingly mobile society. Renting is gaining momentum, fueled by urban migration, an inflow of foreign residents, and the needs of younger generations who value mobility and flexibility. The Private Rented Sector (PRS) and Purpose-Built Student Accommodation (PBSA) are expanding rapidly, addressing the housing shortage, the prevalence of small apartments, and an estimated deficit of 1.5 million housing units.
At the same time, limited access to mortgages – caused by high interest rates and the rising cost of living – has led more people to choose renting over buying. Experts predict that the future of Poland’s rental market will be shaped by an ageing population, hybrid work models, ESG requirements, and legislative measures aimed at increasing price transparency. Collectively, these factors are steering the sector toward a more flexible, sustainable, and inclusive housing model.
New services for a new era
As Poland’s rental market matures, it is evolving toward solutions that support both tenants and landlords throughout the leasing process. One such innovation, inspired by Western European models, is the rental deposit surety service – a concept now entering the Polish market thanks to Bingo-Rent.
A deposit equal to up to three months’ rent often acts as a significant barrier to moving and poses a major financial burden – particularly for students, young professionals at the start of their careers, families with children, and specialists relocating to major cities. Bingo-Rent addresses this challenge by offering a rental deposit surety service.
Instead of locking away several thousand złotych, tenants can choose a monthly or annual plan and obtain a guarantee of up to PLN 10,000. In practice, this ensures better financial liquidity at the start of the lease and gives tenants the freedom to allocate funds toward essential furnishings or moving-related expenses.
Meanwhile, landlords benefit from verified tenant identities through an external entity, financial and credit data analysis, and behavioural scoring. This provides property owners with the tools they need to make informed decisions, minimise risk, and rent their properties faster by lowering entry barriers for tenants. The entire process is intuitive and fully digitalised – from registration and verification to the issuance of the guarantee decision.
“Western markets have various models that replace traditional deposits – such as zero-deposit schemes in the UK or the Mietkaution system in Switzerland. Bingo-Rent is not a copy of these solutions, but rather an evolution of the idea, adapted to Polish legal and operational realities. Our goal is not only to remove the deposit barrier but also to introduce transparent rules and build a fair, trustworthy environment for both sides of the rental market – setting a new standard in this area,” emphasises Marcin Sulmirski, CEO of Bingo-Rent.
This article was produced with the support of Bingo-Rent.
