Free business accounts in Poland, what free covers and the conditions

Snapshot

Several providers in Poland advertise no monthly account fee, usually under conditions. As of 21 January 2026 mBank lists mBiznes konto Standard at 0 zloty under conditions, PKO Bank Polski waives the fee for new firms for a set period and for existing firms meeting a minimum inflow, Revolut Business has a free Basic plan, and Wise Business has no monthly fee. A free headline does not waive card, transfer, cash and conversion fees, so read the conditions and the full fee list.

Free account: Available at several providers, usually under conditions such as card payments, a qualifying transfer or a minimum inflow
What free means: No monthly account fee, not zero cost. Card, transfer, cash and conversion fees still apply.
Watch for: Conditions you must meet each month, and a standard rate that applies after a promotion ends
Charged in: Polish zloty (PLN)

Fees as of 21 January 2026Last reviewed 21 January 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Free business accounts exist in Poland, but free almost always means no monthly account fee rather than no cost at all. As of 21 January 2026, mBank lists mBiznes konto Standard at 0 zloty when conditions are met, then converts it to a paid account after twelve months. PKO Bank Polski waives the fee for new firms for a set period and for existing firms that meet a minimum monthly inflow, otherwise a small monthly fee applies. Revolut Business offers a free Basic plan with no account maintenance fee and per item charges, and Wise Business has no monthly fee with a one off fee to activate local account details. On top of any monthly fee, card, transfer, cash and currency conversion fees still apply. Compare the conditions and the whole fee list for how you bank, and confirm the current figures with each provider.

How free business accounts work in Poland

A free business account in Poland normally waives the monthly account fee while you meet set conditions, such as a minimum number of card payments, a qualifying transfer, or a minimum monthly inflow. mBank lists its sole trader account at 0 zloty under conditions, and several traditional banks waive the fee for new firms for an introductory period. International providers price differently, with Revolut Business offering a free plan and Wise Business charging no monthly fee but a one off fee to activate local details. The monthly fee is only part of the cost, so a free headline is a starting point to verify, not the full picture. As of 21 January 2026.

What a free headline does not cover

Even with no monthly fee, you can still pay for card issue and use, ATM withdrawals outside a set network, instant and international transfers, cash handling, and currency conversion when you pay or receive in another currency. A promotional free period can also revert to a standard monthly fee once it ends, and a conditional free account charges the fee in months when you miss the condition. Read the fee table and the conditions together. As of 21 January 2026.

What to check before relying on free

The points below decide whether a free account is genuinely cheap for your business. Compare them for how you actually bank. Verify with the provider

The exact conditions that reduce the monthly fee to zero, and the rate that applies if you miss them.
Whether a free period is promotional, and the standard fee that applies after it ends.
Card fees, ATM and cash handling fees, and limits on free transactions.
Transfer fees and currency conversion costs if you pay or receive in another currency.

Compare business accounts available in Poland

These providers accept business customers in Poland and several advertise no monthly fee under conditions. Fees and eligibility shown as of 21 January 2026. Confirm the conditions and the full fee table with the provider before applying.

Compare business accounts →

Questions about free business accounts in Poland

Is there a free business account in Poland?

Several Polish banks advertise no monthly account fee under conditions, such as a minimum number of card payments or a qualifying transfer or inflow. mBank lists mBiznes konto Standard at 0 zloty on that basis, PKO Bank Polski lists 0 zloty for new firms for a set period and for existing firms when a minimum inflow is met, Revolut Business has a free Basic plan, and Wise Business has no monthly fee. The conditions and the standard rate that applies otherwise vary, so confirm with the provider, as of 21 January 2026.

What does free actually cover in Poland?

A free headline usually means no monthly account fee, not zero cost. Card issue and use, ATM and cash fees, transfer fees, and currency conversion are charged separately, and a promotional rate may revert to a standard fee after a set period. Read the fee table and the conditions together, as of 21 January 2026. This is general information, not advice.

Which providers offer a free business account in Poland?

mBank lists mBiznes konto Standard at 0 zloty under conditions, then converts to a paid account later. PKO Bank Polski waives the fee for new firms for a set period and for existing firms meeting a minimum inflow. Revolut Business has a free Basic plan with per item fees, and Wise Business has no monthly fee with a one off fee to activate local details. Confirm current terms with each provider, as of 21 January 2026.

Does a free account stay free in Poland?

Not always. Some free accounts depend on monthly conditions and charge a fee in months you fall short, and promotional free periods can revert to a standard fee, as with mBank converting to a paid account after twelve months. Confirm the conditions and the standard rate before relying on a free headline, as of 21 January 2026.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 21 January 2026. Confirm current terms with the provider before applying.