Business banking in Poland

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. Banks are supervised by the Polish Financial Supervision Authority, known as the KNF. Banks must carry out know your customer and anti money laundering checks under the Polish anti money laundering act, and these checks 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 11 October 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 11 October 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 11 October 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

1. Register the business, a sole trader through CEIDG or a company through the National Court Register, the KRS, and obtain the NIP and REGON.
2. 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.
3. Choose a provider that fits your activity, whether a Polish bank or an international provider, and verify current fees and eligibility before you apply.