Business account fees in Poland, monthly fees and what to compare

Snapshot

Business account fees in Poland range from no monthly fee, when set conditions are met, to roughly 40 to 50 zloty a month at some traditional banks, with card, transfer, cash and currency conversion fees charged on top. As of 20 January 2026 mBank lists a service cost from 0 zloty when conditions are met, while PKO Bank Polski and Santander Bank Polska list higher monthly costs. Compare the whole fee list for how you use the account.

Monthly account fee: From no fee when conditions are met, up to roughly 40 to 50 zloty a month at some banks
Free account: Available when conditions such as card payments or inflows are met. Verify the conditions and the rate after any promotion.
Other costs: Card fees, ATM and cash fees, transfer fees, and currency conversion when you use another currency
Charged in: Polish zloty (PLN)

Fees as of 20 January 2026Last reviewed 20 January 2026

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

Business account fees in Poland depend on the provider and how you use the account. As of 20 January 2026, several Polish banks advertise no monthly account fee when conditions are met, such as a minimum number of card payments or a minimum inflow, and mBank lists a service cost from 0 zloty on that basis. Some traditional banks list a monthly cost from roughly 40 zloty at PKO Bank Polski to about 50 zloty at Santander Bank Polska, often reduced when activity conditions are met. On top of any monthly fee, watch card fees, ATM and cash fees, transfer fees and currency conversion. International providers such as Revolut Business and Wise Business price differently, with plan allowances and per item fees. Compare the whole list for your usage, and confirm the current figures with each provider.

How fees work in Poland

A Polish business account usually carries a monthly account fee, though many banks waive it when you meet conditions such as a set number of card payments or a minimum monthly inflow. The headline fee is only part of the cost. Card issue and use, ATM withdrawals outside a set network, instant and international transfers, cash deposits and withdrawals, and currency conversion all carry their own charges that vary by provider. The zloty is the local currency, so a business that pays or receives in euro or another currency should weigh conversion costs too. As of 20 January 2026.

What the headline fee does not show

A no fee or low fee headline can still come with meaningful costs once you add card, transfer and cash fees, and any standard rate that applies after a promotional period ends. A promotional account that is free for the first year may revert to a standard monthly fee, and a free account that requires a minimum number of card payments charges the fee in months when you fall short. Read the fee table and the conditions together. As of 20 January 2026.

What to compare for your usage

The points below drive the real cost of an account. Compare them for how you actually bank, not just the monthly fee. Verify with the provider

The monthly account fee and the exact conditions that reduce it to zero, plus the rate after any promotion.
Card fees, ATM and cash handling fees, and any limits on free transactions.
Transfer fees, including instant transfers in Poland and payments abroad.
Currency conversion costs if you pay or receive in euro or another currency.

Compare business accounts available in Poland

These providers accept business customers in Poland. Fees and eligibility shown as of 20 January 2026. Confirm the full fee table and current terms with the provider before applying.

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Questions about fees in Poland

How much does a business account cost in Poland?

Monthly account fees range from no fee, when set conditions are met, to roughly 40 to 50 zloty a month at some traditional banks. mBank lists a service cost from 0 zloty when conditions are met, PKO Bank Polski lists a cost from about 40 zloty a month, and Santander Bank Polska from about 50 zloty a month. Card, transfer and cash fees are charged on top. Verify the current figures with the bank, as of 20 January 2026.

Is there a free business account in Poland?

Several Polish banks advertise no monthly account fee when conditions are met, such as a minimum number of card payments or a minimum inflow, and mBank lists a service cost from 0 zloty on that basis. The conditions and the standard fee that applies after any promotion vary, so a free headline does not mean every fee is waived. Confirm the conditions and other charges with the bank, as of 20 January 2026.

What fees apply beyond the monthly account fee in Poland?

Beyond any monthly account fee, watch for card fees, charges for ATM withdrawals outside a set network, fees on instant or international transfers, cash handling fees, and currency conversion costs when you pay or receive in another currency. These vary widely between providers, so compare them for how you actually use the account. As of 20 January 2026.

Do Revolut Business and Wise charge monthly fees in Poland?

Revolut Business offers a free plan and paid plans, with allowances and per item fees that depend on the plan and usage. Wise Business has no monthly fee and a one off opening fee, then charges per transaction and on currency conversion near the mid market rate. Plan details and fees change, so confirm the current pricing with each provider, as of 20 January 2026.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 20 January 2026. Confirm current terms with the provider before applying.