How to Open a Business Bank Account in Poland in 2026

When you open a business bank account in Poland, your company gets a zloty account for paying Polish suppliers, staff and the tax office, a VAT account for split payments and a place on the official white list of VAT payers' accounts. Deposits are protected up to the PLN equivalent of €100,000.

Getting one is the hard part for foreign owners. Bank Pekao and Erste Bank Polska let only sole traders open online, so a company director usually goes to a branch. PKO Bank Polski verifies remotely through mObywatel, a Polish government app. Payments outside SEPA cost up to PLN 200 each online.

This is where we come in. We work with regulated partners who open euro and multi-currency accounts for Polish and foreign companies in about 4 days, fully remotely. We prepare the file: the KRS extract, the CRBR entry, your KYC pack and the source of funds. You send us your details, and we get it done.

Our top-rated, licensed banking providers open accounts for Polish sp. z o.o. companies and foreign companies in about 4 days, with no branch visit and no Polish ID needed.

Poland Business Bank Account for Non-Residents

A Poland business bank account for non-residents is possible, but the big Polish banks build their fast routes for residents. Online opening is often limited to sole traders or tied to Polish digital identity, so a foreign director of an sp. z o.o. usually applies in a branch. A complete file then goes through without problems.

Polish Banks Open Company Accounts in a Branch

Bank Pekao says on its business account page that only sole traders can open the Konto Biznes z Żubrem online. Erste Bank Polska, the former Santander Bank Polska, limits its Konto Firmowe Online to sole traders in its tariff valid from 25 April 2026. PKO Bank Polski launched a fully remote company account application on 1 October 2025, but the identity check runs through mObywatel, the Polish state ID app, and its PKO Konto Firmowe Premium is opened only in a branch. mBank accepts sp. z o.o. companies online, in a branch or by phone, and asks for a valid ID document with the company's KRS and NIP data.

Every Board Member and Owner Is Identified

The Polish anti-money laundering act of 1 March 2018 makes the bank identify the company, every person who represents it and every beneficial owner before the account opens. A beneficial owner is anyone holding more than 25% of the shares or votes, directly or through other companies. The bank compares your answers with the Central Register of Beneficial Owners (CRBR). An sp. z o.o. must file its CRBR entry within 14 days of its KRS registration, signed by a board member with a qualified electronic signature or the trusted profile. A European holding company above the Polish company means documents for every layer.

Open a Poland Business Bank Account From Abroad

To open a Poland business bank account from abroad at a Polish bank, plan for at least one trip. Many Polish services run on a PESEL number, from the trusted profile for government filings to the mObywatel app. Since 1 January 2026, citizens of countries outside the EU, EFTA and the UK must apply for a PESEL in person at a municipal office. Our guide on opening a business bank account remotely explains the route that needs no visit.

High Risk Sectors and Money From Abroad

Polish banks apply enhanced checks to sectors with higher money laundering risk, such as crypto, online gambling, money transfer and arms. Expect questions on licences, payment flows and the countries you deal with. Money that comes from abroad needs a written source of funds with evidence. Crypto and Web3 companies and gaming firms should read our guide on how to open a high risk bank account before they apply.

No Legal Right to a Business Account in Poland

Poland gives consumers a right to a basic payment account under Article 59ia of the Payment Services Act, but the right covers consumers only. A refused company has no legal route that forces a bank to open an account. Each new application asks about past refusals, so a weak first file can follow you. Ask the bank which part of the file failed, fix it, and apply next to a provider that takes your type of company.

Read more: Business bank account for non-residents and why banks reject business account applications.

Best Bank for Business in Poland

The best bank for business in Poland depends on where your board lives and how much you pay abroad. Monthly fees at five of the largest banks run from PLN 0 to PLN 70 (about €0 to €16), often with conditions. The real cost sits in payments outside SEPA, currency margins and the branch-based access for companies.

On the monthly fee alone, a Polish business bank account is cheap, and for a resident board with Polish ID it is often the cheapest choice. For a foreign owner, the real price is the branch visit, the time in review and the fees on every payment that leaves the SEPA area or changes currency.

Low Monthly Fees, Costly Payments Abroad

Domestic zloty transfers are cheap or free online. International payments are not. mBank's tariff valid from 17 April 2026 charges 0.35% for a SWIFT payment, at least PLN 25 and at most PLN 200. PKO Bank Polski charges 0.15%, at least PLN 25 and at most PLN 130, plus PLN 100 when you pay all the charges abroad (OUR). Erste Bank Polska charges 0.25% online, at least PLN 25 and at most PLN 200, and 0.35% with a PLN 60 minimum in a branch. Twenty supplier payments a month at the PLN 25 minimum cost PLN 6,000 (about €1,370) a year.

Wide Currency Margins in Polish Banks

Polish business accounts run in zloty, so every euro or dollar invoice means a conversion. ING Bank Śląski's fee table for business clients, as of 1 April 2026, adds a 3.5% commission to its published exchange rate, or up to 1.5% through its online currency exchange. mBank adds 5.9% to card payments in a foreign currency. Converting €200,000 a year at 3.5% costs €7,000. A multi-currency business account lets you hold and pay in the invoice currency instead.

Is There a Free Business Bank Account in Poland

A free business bank account in Poland usually comes with conditions. PKO Konto Firmowe is free with PLN 2,000 of monthly inflows, mBank Standard with one payment to ZUS, the social insurance office, and Erste's Konto Firmowe Godne Polecenia with a ZUS payment of at least PLN 200. A foreign-owned company with no Polish staff may make no ZUS payment at all, so it pays the full fee.

Read more: Best banks for European companies and business bank account fees.

A Faster and Cheaper Way to Open a Poland Business Account

The faster way to open a Poland business account is through our regulated partners. They are licensed e-money and payment institutions, not banks. They open euro and multi-currency accounts in about 4 days, fully online, with no PESEL, no mObywatel and no branch visit.

One partner is licensed by the Malta Financial Services Authority. The other is authorised by the UK Financial Conduct Authority and has an e-money institution in Luxembourg authorised by the CSSF. Both keep client money in segregated safeguarding accounts, separate from their own funds, instead of under a deposit guarantee. One converts and sends payments in 24 currencies, Polish zloty included.

We prepare the file before the partner sees it: the KRS extract, the articles, the CRBR confirmation, the board members' passports, a plain description of the business and a written source of funds. For euro payments, Article 9 of the SEPA Regulation (EU) No 260/2012 says a payer or payee may not require your account to be in a particular EU member state. Our guide to a business bank account in Europe covers the wider EU picture.

For a foreign-owned company, or any company that invoices in euros and pays across borders, our partners are faster and cheaper. A Polish bank is still needed for the zloty side of a VAT-registered business: the VAT account for split payments and an account on the white list. Our partners do not lend, take cash or pay interest. Read about business bank account vs EMI account for the full trade-off.

International Business Bank Account in Poland

An international business bank account in Poland suits companies that sell abroad or buy from abroad. A Polish manufacturer that invoices German clients in euros, an import and export trading company that pays Asian suppliers in US dollars, or an online shop selling across the EU all pay less when they hold the invoice currency. Our partners open the account in the company's own name and it is used from the first week.

Poland Corporate Bank Account for Foreign Companies

A Poland corporate bank account for foreign companies is often not needed at a Polish bank. A UK, Dutch or Cypriot company that sells into Poland, or runs a Polish branch rather than a subsidiary, can be paid by Polish clients in euros on an EU IBAN. Our partners open that account for the foreign company in about 4 days.

How to Open a Business Bank Account in Poland With Us

With us, it takes three steps. You send us your company details in the form. We build the file and submit it to the partner that fits your company. Each board member verifies their identity online with a passport and a live selfie. We answer the partner's questions and tell you when the account is live.

Documents to Open a Business Bank Account in Poland

The documents to open a business bank account in Poland follow the anti-money laundering act. The bank verifies the company from its KRS entry and articles, every board member and beneficial owner from an official photo ID, and the money from evidence. Bring the whole set in one round to avoid a second visit.

Company Documents

For a Polish sp. z o.o., the bank wants a current extract from the National Court Register (KRS), the articles of association, the NIP tax number and the REGON statistical number, and the list of shareholders. A foreign company adds its home register extract and articles, usually with an apostille and a sworn translation.

Board Members and Beneficial Owners

Every board member and every beneficial owner holding more than 25% gives a valid passport or ID card and proof of address. Add the confirmation of the CRBR entry and an ownership chart that shows each layer with percentages. The two must match, because a gap between the register and your chart stops the review early.

Business Profile and Source of Funds

Banks want to know what the company does, who its customers and suppliers are, which countries the money comes from and goes to, and the monthly volumes you expect. A short written note on the source of funds, backed by bank statements, contracts or a sale agreement, saves a round of questions.

This is the checklist we work from:

• KRS extract: current, with the board members and their powers.
• Articles of association: the S24 template or the notarial deed.
• NIP and REGON: the tax and statistical numbers from registration.
• CRBR confirmation: matching your ownership chart.
• Board and owner IDs: passport or ID card, plus proof of address.
• Source of funds: a written note with statements or contracts.
• Business description: activity, customers, countries and expected volumes.

Read more: Documents needed to open a business bank account and a European business bank account for non-residents.

Poland Business Bank Account Costs

A Poland business bank account costs PLN 0 to 70 a month at the big banks, plus 0.15% to 0.35% on payments outside SEPA with a PLN 25 minimum and currency commissions up to 3.5%. Our partners charge from €9.99 to €100 a month on published plans, open free and convert from 0.25%.

The markup sits in the fees around the account, not in the monthly price. Take a company that converts €200,000 a year and sends 20 payments a month outside SEPA. At mBank's minimum of PLN 25 per SWIFT payment, the transfers cost PLN 6,000 (about €1,370) a year. If the conversions carry a 3.5% commission, as ING Bank Śląski publishes on its table rate, they add €7,000. The same conversions at a 0.25% margin cost €500, on a plan of €85 a month.

For a resident board with a small company that pays only in zloty, a Polish bank is cheaper, and a free PKO or mBank account is hard to beat. For a foreign-owned company that pays across borders, our partners usually cost less. All figures are planning ranges from the banks' own published tariffs, converted at the ECB reference rate of 20 October 2026 (PLN 4.38 to the euro), and we confirm your price in writing before you apply.

Read more: EU multi-currency business account and the best countries for business banking.

How Long It Takes to Open a Business Bank Account in Poland

Opening a business bank account in Poland at a Polish bank is quick for a resident board with Polish ID and a complete file. With a foreign board, the branch visit, the PESEL question and the review often stretch it to weeks. With our partners, the account opens in about 4 days once the documents are ready.

The steps before the account are the same on both routes. The difference is the review: a Polish bank works through a foreign file at its own pace, while our partners review a file built for them.

What Slows It Down

The usual delays are a board member who must travel to a branch, a CRBR entry that does not match the shareholder list, a foreign holding company with no documents, papers without an apostille or sworn translation, and a source of funds with no evidence. Each one adds a round of questions.

How to Speed It Up

File the CRBR entry as soon as the company is in the KRS. Collect every document in one round and answer questions the same day. Apply to one provider that takes your owners' countries, rather than to three banks at once.

Read more: Open a business bank account in Germany and how long it takes to set up a company.

What Happens After the Account Is Open

After the account opens, fund it, add your users and share the account details with clients and suppliers. Then report it to the tax office and keep the company in good order, because banks and partners review every client again over time. The first months set the pattern later payments are checked against.

A Polish company reports its bank accounts to the tax office on form NIP-8, and its zloty settlement accounts at Polish banks then appear on the white list of VAT payers. Taxes such as CIT and VAT go to the company's individual tax micro-account, used for tax payments since 1 January 2020. Polish corporate income tax is 19%, or 9% for small taxpayers with revenue up to the PLN equivalent of €2 million, according to PwC's Worldwide Tax Summaries reviewed on 11 August 2026.

Update the CRBR within 14 days when owners change, and tell your provider before your payments change. From 10 July 2027, the EU Anti-Money Laundering Regulation (EU) 2024/1624 applies one rulebook to banks and payment institutions across the EU. The same clean file makes a second account quick, whether in Malta, Cyprus, Ireland or Lithuania.

Why the Company Comes Before the Account

A bank or partner opens an operating account only for a company that exists. An sp. z o.o. needs at least PLN 5,000 of share capital under Article 154 of the Commercial Companies Code, and the board declares that it has been paid in when it files for registration. Poland asks for no bank certificate. A company formed through S24 pays its capital within 7 days of its KRS entry, so plan the account before you register. If you have not set up yet, see how to set up a company as a non-resident or company formation with a bank account.

Common Poland Business Bank Account Mistakes

Most problems with a Poland business bank account come from Polish tax rules that foreign owners do not expect, or from applying with an incomplete file. These are the mistakes we see most often, with what they cost. Each one is easy to avoid when you plan the accounts before the first invoice.

Taking Polish Payments Outside the White List

Some foreign owners give Polish VAT-registered clients only a foreign IBAN. Under Article 15d of the CIT Act, a client that pays an invoice above PLN 15,000 (about €3,400) to an account not on the white list cannot deduct the cost, unless it notifies its tax office within 7 days. Polish clients therefore usually ask for a listed account. Payments for goods and services listed in Annex 15 of the VAT Act above PLN 15,000 must also use split payment, which needs a Polish VAT account. Keep a zloty account at a Polish bank for domestic invoices and use our partners for euros and international payments.

Missing the S24 Capital Deadline

Founders who register an sp. z o.o. online through S24 sometimes start the bank search only after registration. Article 158 of the Commercial Companies Code gives an S24 company 7 days from its KRS entry to pay in the share capital, at least PLN 5,000. A branch appointment two weeks later means a missed legal deadline. Start the account application before you file, so the account is ready when the KRS entry comes through.

Reading Only the Monthly Fee

A PLN 0 account looks free, but the condition matters. PKO wants PLN 2,000 of monthly inflows, mBank Standard one payment to ZUS, Erste a ZUS payment of at least PLN 200. A holding company with no Polish staff often meets none of them. Then 20 SWIFT payments a month cost at least PLN 500 (about €114), and a 3.5% conversion commission costs €3,500 on every €100,000. Count your foreign payments and conversions for a year before you choose.

Bottom Line

A business bank account in Poland is cheap and simple for a resident board with Polish ID, and slow for most foreign owners. Polish banks charge PLN 0 to 70 a month, but payments outside SEPA cost 0.15% to 0.35% with a PLN 25 minimum, conversions can carry 3.5%, and companies often must open in a branch.

For a foreign-owned sp. z o.o. or a foreign company selling into Poland, the faster route is a regulated partner with an account that holds euros and other currencies. Keep a Polish bank for zloty invoices, the VAT account and the white list. With a complete file, you can open a business bank account in Poland with our partners in about 4 days, without a branch visit.

Sources

• mBank, Taryfa prowizji i opłat bankowych dla firm, valid from 17 April 2026
• mBank, Business accounts (konta firmowe) and FAQ
• PKO Bank Polski, Taryfa prowizji i opłat bankowych dla małych i średnich przedsiębiorstw
• PKO Bank Polski, Remote business account application with mObywatel, 1 October 2025
• Erste Bank Polska (formerly Santander Bank Polska), Fees and commissions (business tariff valid from 25 April 2026)
• Bank Pekao, Konto Biznes z Żubrem
• ING Bank Śląski, Tabela Opłat i Prowizji for business clients, as of 1 April 2026
• ING Bank Śląski, Konto Direct dla Firmy (for sole traders; companies use Konto dla spółki)
• Commercial Companies Code, Article 158 (S24 capital within 7 days)
• Bank Guarantee Fund (BFG), Zakres podmiotowy gwarancji (who is covered, legal persons included)
• CIT Act, Article 15d (payments to accounts outside the white list)
• VAT Act, Article 108a (split payment)
• Ministry of Finance, Filing beneficial owner information with the CRBR
• Bank Guarantee Fund (BFG), Coverage level
• PwC Worldwide Tax Summaries, Poland corporate taxes on income, reviewed 11 August 2026
• Regulation (EU) No 260/2012 (SEPA Regulation), EUR-Lex