Startups in Poland usually want fast online onboarding, low running costs, multi currency support for international customers and investors, and user controls as the team grows. Revolut Business, mBank and Wise Business all serve this market, with several no fee options under conditions, as of 25 February 2026.
Suits Startups best
Depends on your funding currency, team size and burn. Compare for your usage.
Typical monthly fee
From no monthly fee under conditions, plus per item and conversion fees that vary by provider, as of 25 February 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, including no fee options under conditions
Fees and features as of 25 February 2026Last reviewed 25 February 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
A startup in Poland, usually a sp. z o.o. registered in the KRS, wants to open quickly, keep costs low while pre revenue, and handle money in more than one currency if it raises or sells abroad. Revolut Business offers fast online onboarding, multi currency holding, cards and user controls, mBank gives a zloty operating account with low fee options, and Wise Business adds multi currency receiving near the mid market rate. As the team grows, spending controls and accounting integrations matter. Compare onboarding speed, the monthly fee and its conditions, currency support and user controls for your stage. As of 25 February 2026.
What Startups in Poland need from a business account
Startups need to open fast, keep running costs low, manage spend across a growing team, and handle foreign currency from investors and customers. Early on, a no fee or low fee account and quick online onboarding matter most, while later the priorities shift to user controls, approval workflows and accounting integrations. The trade offs are onboarding speed, the monthly fee and its conditions, currency support, and the depth of team controls. A zloty account keeps local tax simple, while multi currency support helps with foreign funding and sales. Confirm current pricing with the provider.
R
Revolut Business
Fast online onboarding, multi currency holding, cards, spending controls and accounting integrations. Plan allowances and per item fees vary, so match the plan to your stage.
Best for
Fast onboarding and team controls
Monthly fee
Free plan and paid plans, fees by plan and usage (25 February 2026)
Zloty operating account with a local IBAN, online onboarding and low fee options for new companies. mBiznes konto Standard lists 0 zloty under conditions.
Best for
Local zloty operating account
Monthly fee
From 0 zloty under conditions, then about 25 zloty a month (25 February 2026)
These providers serve startups in Poland. Fees and eligibility shown as of 25 February 2026. Confirm onboarding requirements, currency support and current terms with the provider before applying.
It depends on your stage, funding currency and team size. Revolut Business offers fast onboarding and team controls, mBank gives a low cost zloty account, and Wise Business adds multi currency receiving. Many startups start with a low fee account and add controls as they grow. Compare for your stage, as of 25 February 2026. This is general information, not advice.
How fast can a startup open a business account in Poland?
Online onboarding with providers such as Revolut Business and mBank can be quick for a registered company, often days rather than weeks, though timing depends on your documents and any checks. A KRS registered sp. z o.o. needs its company documents ready. Confirm the current process with the provider, as of 25 February 2026.
Can a startup handle foreign investment and sales in Poland?
Multi currency providers such as Revolut Business and Wise Business let a startup hold and receive euro, pound and dollar, which helps with foreign investors and customers, while a zloty account covers local tax. Confirm the currencies and fees with the provider, as of 25 February 2026.
What do startups need to open an account in Poland?
Expect the KRS registration for a company or CEIDG for a sole trader, the NIP and REGON numbers, beneficial owner details in the Central Register of Beneficial Owners for companies, and identification for founders. Verify the exact list with the provider, as of 25 February 2026.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 25 February 2026. Confirm current terms with the provider before applying.