Agencies in Poland often want a zloty business account for local pay and suppliers, such as mBank, paired with a multi currency provider such as Revolut Business or Wise Business for international clients and team cards. The right fit depends on team size and how you get paid, as of 3 February 2026.
Suits Agencies best
Depends on needs. A Polish bank suits local pay, a multi currency provider suits international billing and team cards.
Typical monthly fee
From no monthly fee when conditions are met, up to roughly 40 to 50 zloty a month at some banks, plus card and transaction fees, as of 3 February 2026.
Non resident position
Possible with a business registered in Poland. Some providers onboard online. Verify with the provider.
Providers that fit
Several
Fees and features as of 3 February 2026Last reviewed 3 February 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Agencies in Poland usually need an account that handles a team, contractor and software payments, and client billing that may be in other currencies. A Polish bank such as mBank gives a zloty account with a local IBAN and card payments for staff and suppliers, often with no monthly fee when conditions are met. Revolut Business adds cards with limits, roles and multi currency support on a plan based model. Wise Business suits agencies that bill abroad, holding many currencies near the mid market rate. Figures are shown as of 3 February 2026. Compare card, transfer and conversion costs and confirm current terms with the provider.
What Agencies in Poland need from a business account
Agencies in Poland usually run a team, pay contractors and software subscriptions, and bill clients that may be abroad. They benefit from an account with multiple cards, clear spend limits and roles, expense management and connections to accounting software. Agencies that invoice in other currencies also benefit from multi currency support and low conversion costs, while keeping the zloty for local pay and tax. Weigh card and per user costs against the time saved on bookkeeping and approvals.
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mBank
Polish bank account in the zloty with a local IBAN and card payments, with no monthly fee when set conditions are met. Cash and branch services are limited compared with the largest banks.
Best for
Local pay and suppliers
Monthly fee
From 0 zloty when conditions are met (3 February 2026)
Cards with limits and roles, multi currency support and online onboarding on a plan based model. Allowances and per item fees depend on the plan, so check usage.
Best for
Team cards and multi currency
Monthly fee
Free plan and paid plans, fees by plan and usage (3 February 2026)
These providers accept business customers in Poland. Fees and eligibility shown as of 3 February 2026. Confirm current terms with the provider before applying.
Agencies often choose a Polish bank account in the zloty for local pay and suppliers, such as mBank, paired with a multi currency provider such as Revolut Business or Wise Business for international clients. The best fit depends on team size and how you bill. Compare card, transfer and conversion costs, as of 3 February 2026. This is general information, not advice.
Can an agency give cards to staff in Poland?
Yes. Polish banks and providers such as Revolut Business offer physical and virtual cards with spending limits, though extra cards and higher plans usually cost more. Confirm the current card pricing and limits with the provider, as of 3 February 2026.
Can agencies bill international clients from Poland?
Yes. Multi currency providers such as Wise Business and Revolut Business let you hold and receive several currencies, which helps with foreign clients, while you keep the zloty for local costs. Conversion costs vary by provider and plan, so compare them for your main currencies, as of 3 February 2026.
Is a free account enough for an agency in Poland?
A no fee account, such as a Polish bank account that waives the monthly fee when conditions are met, or a Revolut Business free plan, can work for a small agency, but growing teams often need more cards, users and controls, which cost more. Match the plan to your team size and billing. Verify current pricing with the provider, as of 3 February 2026.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 3 February 2026. Confirm current terms with the provider before applying.