Ecommerce sellers in Poland usually want a zloty operating account plus multi currency support for marketplace and gateway payouts in euro, pound and dollar. mBank, Revolut Business and Wise Business all serve this market, with fees that depend on plan and usage, as of 25 May 2026. Compare payout currencies, conversion costs and card fees for how you actually sell.
Suits Ecommerce best
Depends on your payout currencies and volume. Compare for your usage.
Typical monthly fee
From no monthly fee when conditions are met, up to roughly 25 to 50 zloty a month at some banks, plus transaction and conversion fees, as of 25 May 2026.
Non resident position
Non residents can often open with an EU registered company, though some banks ask for a local presence or extra documents. Verify the current rule with the provider.
Providers that fit
Several, compare for your currency mix
Fees and features as of 25 May 2026Last reviewed 25 May 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
An ecommerce business in Poland is paid by marketplaces, payment gateways and customers, often across several currencies, so the account needs to receive payouts cleanly and convert at a fair rate. A zloty account covers local tax, VAT and suppliers, while a multi currency account holds euro, pound and dollar so you are not converting every payout. mBank offers a zloty operating account with a local IBAN, Revolut Business and Wise Business add multi currency receiving and cards. The right mix depends on where your buyers and platforms pay you, so compare payout currencies, conversion costs, card fees and any plan allowance against how you actually sell. As of 25 May 2026.
What Ecommerce in Poland need from a business account
Ecommerce sellers need to receive gateway and marketplace payouts, hold more than one currency, pay suppliers and advertising, and reconcile a high count of small transactions. The practical questions are which currencies you are paid in, how often you convert to zloty, what each conversion costs, and whether card and transaction fees suit a high volume of orders. A zloty account keeps local tax and VAT simple, while multi currency receiving reduces conversion when you sell abroad. Treat the providers below as a starting point and confirm current pricing before you rely on it.
R
Revolut Business
Multi currency operating account with cards, integrations and online onboarding. Plan allowances and per item fees vary, so match the plan to your order volume.
Best for
Multi currency payouts and spend
Monthly fee
Free plan and paid plans, fees by plan and usage (25 May 2026)
Zloty operating account with a local IBAN, cards and online onboarding. mBiznes konto Standard lists 0 zloty under conditions, converting to Komfort later.
Best for
Local zloty operating account
Monthly fee
From 0 zloty under conditions, then about 25 zloty a month (25 May 2026)
These providers serve ecommerce businesses in Poland. Fees and eligibility shown as of 25 May 2026. Confirm payout currencies, conversion costs and current terms with the provider before applying.
Which account suits an ecommerce seller in Poland?
It depends on the currencies your platforms and customers pay you in. A zloty account such as mBank keeps local tax and VAT simple, while Revolut Business and Wise Business add multi currency receiving so you convert less. Compare payout currencies, conversion costs and card fees for your sales mix, as of 25 May 2026. This is general information, not advice.
Can I receive marketplace and gateway payouts in euro or dollar?
Multi currency providers such as Revolut Business and Wise Business let you hold and receive several currencies, so you can take payouts in euro, pound or dollar and convert when you choose. Availability of specific local details and currencies varies, so confirm the current list with the provider, as of 25 May 2026.
Do I need a zloty account if I sell mostly abroad?
Most ecommerce businesses registered in Poland still need a zloty account for local tax, VAT and suppliers, even when most sales are abroad. Many sellers pair a zloty operating account with a multi currency account for foreign payouts. Confirm what your tax and VAT obligations require with your adviser, as of 25 May 2026.
What do I need to open an ecommerce business account in Poland?
Expect a CEIDG entry for a sole trader or a KRS entry for a company, the NIP and REGON numbers, details of beneficial owners in the Central Register of Beneficial Owners for companies, and identification for the owners. Some providers ask about your sales platforms and expected turnover. Verify the exact list with the provider, as of 25 May 2026.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 25 May 2026. Confirm current terms with the provider before applying.