Business banking in Poland: how to open an account, fees and options

Snapshot

A business in Poland opens an account once it is registered, a sole trader through CEIDG or a company through the National Court Register known as the KRS, with a tax identification number, the NIP. Accounts are offered by Polish banks such as PKO Bank Polski, Bank Pekao, mBank, ING Bank Śląski and Santander Bank Polska, and by international providers such as Revolut Business and Wise Business. Foreign owners can open accounts, with closer checks for non residents.

Can a non resident open: Yes, with a business registered in Poland. Non residents face closer checks and may need a residence document. Verify with the provider.
Typical timeline: About one to three business days for a domestic company with complete documents, longer for foreign structures
Free account available: Yes, several banks offer no monthly fee when set conditions are met. Verify the current conditions.
Charged in: Polish zloty (PLN)

Fees and features as of 2 June 2026Last reviewed 2 June 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

To open a business bank account in Poland you need a registered business, a sole trader through CEIDG or a company through the National Court Register, the KRS, along with the tax identification number known as the NIP and usually the statistical number, the REGON. Polish banks such as PKO Bank Polski, Bank Pekao, mBank, ING Bank Śląski and Santander Bank Polska suit local operations, several with no monthly fee when conditions are met, while international providers such as Revolut Business and Wise Business suit payments and holding more than one currency. Accounts are charged in the Polish zloty. Fees and eligibility shown as of 2 June 2026, so confirm current terms with the provider before applying.

How business banking works in Poland

Business banking in Poland is led by large banks such as PKO Bank Polski, Bank Pekao, Santander Bank Polska, ING Bank Śląski, mBank and Alior Bank, alongside international providers such as Revolut Business and Wise Business. Banking is supervised by the Polish Financial Supervision Authority, known as the KNF, which sets the know your customer and anti money laundering rules that shape onboarding. Poland uses the zloty rather than the euro, though it is part of the SEPA area for euro payments, so a business that trades abroad often holds the zloty for local costs and another currency for foreign clients, as of 2 June 2026.

Who can open a business account

A business registered in Poland can apply, whether it is a sole trader registered through CEIDG or a company such as a spółka z ograniczoną odpowiedzialnością, the limited liability company often shortened to sp. z o.o., registered through the KRS. Banks accept foreign owners and directors, but non residents face closer checks, and a bank may ask for identification, proof of address and a residence document where it applies. As of 2 June 2026, having clear documents and an active NIP and REGON helps approval. Confirm the position with the provider.

Traditional banks compared with newer providers

Traditional banks such as PKO Bank Polski, Bank Pekao and Santander Bank Polska offer branches, lending and full business services in the zloty, and they run deeper checks that take longer. International providers such as Revolut Business and Wise Business offer faster online onboarding and multi currency features, which suit freelancers and companies that trade across borders. Many businesses use a Polish bank for local operations and an international provider for cross border payments. Compare current terms against your usage.

Requirements and documents

Most providers in Poland ask for a similar core set of documents, as of 2 June 2026. Verify with the provider

The registration in CEIDG for a sole trader, or a KRS extract for a company, plus the articles of association where they apply.
The tax identification number, the NIP, and usually the statistical number, the REGON, with the company listed in the Central Register of Beneficial Owners, the CRBR.
Identification and proof of address for the owners and authorised signatories, and a residence document for some non residents.

How to open an account

Register the business, a sole trader through CEIDG or a company through the National Court Register, the KRS, and obtain the NIP and REGON.
Make sure the company is listed in the Central Register of Beneficial Owners, the CRBR, and gather identification and proof of address for the owners.
Choose a provider that fits your activity, whether a Polish bank or an international provider, and verify current fees and eligibility before you apply.

Compare business accounts available in Poland

These providers serve business customers in Poland. Fees and eligibility shown as of 2 June 2026. Confirm current terms with the provider before applying.

Compare business accounts →

Questions about business banking in Poland

Can a foreign owner open a business bank account in Poland?

Yes, with a business registered in Poland, a sole trader through CEIDG or a company through the National Court Register known as the KRS. Non resident owners face closer checks, and banks ask for identification and proof of address, and a residence document where it applies. Confirm your case with the provider, as of 2 June 2026.

Do I need a NIP and REGON to open a business account in Poland?

Generally yes. Banks ask for the tax identification number, the NIP, and many also use the statistical number, the REGON, along with the registration in CEIDG or the KRS. Most banks also expect the company to be listed in the Central Register of Beneficial Owners, the CRBR. Verify the requirement with the provider, as of 2 June 2026.

Do Revolut and Wise serve businesses in Poland?

As of 2 June 2026, Revolut Business and Wise Business are available to many businesses in Poland for payments and holding more than one currency, alongside Polish banks such as PKO Bank Polski, Bank Pekao, mBank, ING Bank Śląski and Santander Bank Polska. Eligibility depends on the business type and checks, so confirm current terms with each provider.

Is there a free business account in Poland?

Several Polish banks advertise a business account with no monthly fee when set conditions are met, such as a minimum number of card payments or inflows, and mBank lists a service cost from 0 zloty on that basis. Promotional periods and the standard fee that follows vary, so confirm the current conditions and the rate after any promotion with the bank, as of 2 June 2026.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 2 June 2026. Confirm current terms with the provider before applying.