Consultants in Poland, often sole traders registered through CEIDG, usually want a low cost zloty account with clean records, such as mBank, and a multi currency provider such as Revolut Business or Wise Business when they invoice foreign clients. The right fit depends on how and where you bill, as of 10 March 2026.
Suits Consultants best
A low cost zloty account for local pay, with a multi currency provider added for foreign clients
Typical monthly fee
From no monthly fee when conditions are met, up to roughly 40 to 50 zloty a month at some banks, as of 10 March 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 10 March 2026Last reviewed 10 March 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Consultants in Poland usually bill a handful of clients, carry few staff costs, and value clean records and low running costs. Many run as a sole trader registered through CEIDG. A Polish bank such as mBank gives a zloty account with a local IBAN and card payments, often with no monthly fee when conditions are met, which suits local invoicing and tax. A consultant with foreign clients can add Revolut Business or Wise Business to invoice and hold euro, pound or dollar near the mid market rate. Figures are shown as of 10 March 2026. Match the account to how you bill, and confirm current terms with the provider.
What Consultants in Poland need from a business account
Consultants in Poland usually want low running costs, a clean separation between business and private money, and simple invoicing and exports for VAT and tax. A sole trader registered through CEIDG can open a business account with most Polish banks and with international providers. If you bill clients abroad, multi currency support and low conversion costs matter, while you keep the zloty for local pay and tax. Weigh the monthly fee and its conditions against card, transfer and conversion costs for how you actually work.
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mBank
Polish bank account in the zloty with a local IBAN, card payments and online onboarding for sole traders, with no monthly fee when conditions are met. Branch and cash services are limited.
Best for
Local invoicing and tax
Monthly fee
From 0 zloty when conditions are met (10 March 2026)
Hold and receive many currencies near the mid market rate, useful for foreign clients. No monthly fee, but limited cash handling and conversion charged per transaction.
Best for
Invoicing foreign clients
Monthly fee
No monthly fee, one off opening fee (10 March 2026)
Cards, multi currency support and online onboarding on a plan based model. A free plan suits a light user, with allowances and per item fees that depend on usage.
Best for
Light multi currency use
Monthly fee
Free plan and paid plans, fees by plan and usage (10 March 2026)
These providers accept business customers in Poland. Fees and eligibility shown as of 10 March 2026. Confirm current terms with the provider before applying.
What business account suits a consultant in Poland?
Many consultants run as a sole trader registered through CEIDG and want a low cost zloty account with clean records, such as mBank, often with no monthly fee when conditions are met. A consultant with foreign clients may add Revolut Business or Wise Business to invoice and hold other currencies. Match the account to how you bill, as of 10 March 2026. This is general information, not advice.
Can a sole trader consultant open a business account in Poland?
Yes. A consultant registered as a sole trader through CEIDG, with a NIP, can open a business account with most Polish banks and with providers such as Revolut Business and Wise Business. Some banks let a sole trader use a personal style account for business, but a dedicated business account keeps records clean. Confirm the requirements with the provider, as of 10 March 2026.
How do consultants invoice foreign clients from Poland?
A consultant who bills abroad often holds the zloty for local costs and uses a multi currency provider such as Wise Business or Revolut Business to receive and hold euro, pound or dollar near the mid market rate. Conversion costs and plan fees vary, so compare them for your main currencies before you rely on the account, as of 10 March 2026.
Do consultants in Poland need a separate business account?
A separate business account is not always legally required for a sole trader, but it keeps business income and costs apart from private money, which makes VAT and tax filing simpler. A registered company should keep its money separate. Confirm what applies to your form with a tax adviser, and the account terms with the provider, as of 10 March 2026.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 10 March 2026. Confirm current terms with the provider before applying.