Best business accounts for Freelancers and Sole Traders in Poland
Snapshot
Freelancers and sole traders in Poland, registered through CEIDG, usually want a low cost zloty account with simple online onboarding, and multi currency receiving if clients pay from abroad. mBank, Revolut Business and Wise Business all serve this market, with several listing no monthly fee under conditions, as of 23 January 2026.
Suits Freelancers and Sole Traders best
Depends on whether clients pay you in zloty or other currencies. Compare for your usage.
Typical monthly fee
From no monthly fee when conditions are met at several providers, plus transaction and conversion fees, as of 23 January 2026.
Non resident position
A sole trader account follows your CEIDG registration in Poland. Non residents who register a Polish sole trader activity should confirm eligibility with the provider.
Providers that fit
Several, including no fee options under conditions
Fees and features as of 23 January 2026Last reviewed 23 January 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
A freelancer or sole trader in Poland registered through CEIDG can use a dedicated business account or, in some cases, a personal account, though a business account keeps records clean for tax. The priorities are usually a low or no monthly fee, simple online onboarding, a card, and instant transfers in zloty. If clients pay from abroad, multi currency receiving through Revolut Business or Wise Business reduces conversion costs. mBank lists mBiznes konto Standard at 0 zloty under conditions. Compare the monthly fee conditions, transfer and card fees, and conversion costs for how you actually invoice. As of 23 January 2026.
What Freelancers and Sole Traders in Poland need from a business account
Freelancers and sole traders need a simple, low cost account for invoices, tax and ZUS contributions, with online onboarding and a card. Those with foreign clients also want to receive euro, pound or dollar without losing money on conversion. The key trade offs are the monthly fee and the conditions that waive it, transfer and card fees, and conversion costs when money comes from abroad. A no fee headline can still carry a standard rate after a promotion ends, so read the conditions. Confirm current pricing before you rely on it.
m
mBank
Zloty business account for sole traders with online onboarding, a card and instant transfers. mBiznes konto Standard lists 0 zloty under conditions, then converts to Komfort.
Best for
Local zloty account for sole traders
Monthly fee
From 0 zloty under conditions, then about 25 zloty a month (23 January 2026)
Multi currency account with cards and online onboarding, useful when clients pay from abroad. The free plan suits low volume, with per item fees and allowances by plan.
Best for
Foreign client payments
Monthly fee
Free plan and paid plans, fees by plan and usage (23 January 2026)
Compare accounts for Freelancers and Sole Traders in Poland
These providers serve freelancers and sole traders in Poland. Fees and eligibility shown as of 23 January 2026. Confirm the monthly fee conditions and current terms with the provider before applying.
Questions about banking for Freelancers and Sole Traders in Poland
Do freelancers in Poland need a business account?
A sole trader registered through CEIDG can sometimes use a personal account, but a dedicated business account keeps tax and ZUS records clean and is required by some providers for business use. Several banks offer a sole trader account at no monthly fee under conditions. Confirm what your situation needs with your adviser and the provider, as of 23 January 2026. This is general information, not advice.
Is there a free account for sole traders in Poland?
Several providers advertise no monthly account fee under conditions, such as a minimum number of card payments or a qualifying transfer, and mBank lists mBiznes konto Standard at 0 zloty on that basis. Revolut Business has a free plan and Wise Business has no monthly fee. The conditions and standard rates vary, so confirm with the provider, as of 23 January 2026.
How do I get paid by foreign clients as a freelancer in Poland?
Multi currency providers such as Revolut Business and Wise Business let you receive euro, pound or dollar and convert to zloty when you choose, often near the mid market rate. This usually costs less than converting every incoming payment at a traditional bank rate. Confirm the currencies and fees with the provider, as of 23 January 2026.
What do I need to open a sole trader account in Poland?
Expect your CEIDG registration, the NIP and REGON numbers, and identification. Online onboarding is common for residents, while some providers ask non residents for extra documents. Verify the exact list with the provider, as of 23 January 2026.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 23 January 2026. Confirm current terms with the provider before applying.