How you open a business account in Poland depends on your legal form. A sole proprietor can often open within one to five business days once the CEIDG entry, NIP and REGON are active and identity is checked. An sp. z o.o. must be registered in the National Court Register first, with share capital of at least PLN 5,000, before a company account opens in the company name.
- Sole proprietor
- Often opened within one to five business days once the CEIDG entry, NIP and REGON are active, as of 24 March 2026.
- Sp. z o.o.
- The company is registered in the KRS first, then the company account opens. Minimum share capital is PLN 5,000.
- Required for a company?
- Yes. An sp. z o.o. holds a business account in the company name, and a zloty settlement account is needed for split payment and the VAT white list.
- Verification
- Identity checks plus anti money laundering and beneficial owner checks for a company.
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
How to open a business account in Poland
The steps depend on your legal form. A sole proprietor trading under a jednoosobowa dzialalnosc gospodarcza can often open an account within a few business days once the CEIDG entry is live and the NIP and REGON numbers are active. An sp. z o.o. must first be registered before a company account opens, because the account holder is the company. Across all forms the bank runs identity and anti money laundering checks, and a company also goes through checks on its management board and beneficial owners. Figures and steps below are shown as of 24 March 2026.
For sole proprietors
If you run a jednoosobowa dzialalnosc gospodarcza, you register your business in the CEIDG, the central register of sole traders, which is free and can be done online. The entry creates your NIP tax number and your REGON statistical number. To open the account banks usually ask for a valid identity document, the CEIDG entry and the NIP and REGON numbers. There is no blanket legal duty for a sole proprietor to hold a separate business account, but a settlement account in Polish zloty is needed in practice to use split payment and to appear on the VAT white list, so most sole traders open one.
For an sp. z o.o.
A company account is opened in the company name, so the company must be formed first. A spolka z ograniczona odpowiedzialnoscia, the sp. z o.o., requires share capital of at least PLN 5,000. Founders can sign the articles before a notary or use the online S24 system, then the company is entered in the National Court Register, the KRS, and receives its NIP and REGON. The beneficial owners are filed in the Central Register of Beneficial Owners, the CRBR, within the statutory deadline. Once the KRS entry and the tax numbers are active and the CRBR filing is made, the company can open a business account. An sp. z o.o. is legally required to hold its account in the company name.
Documents you usually need
Have these ready before you apply, since a missing document is the most common cause of delay. Requirements vary by provider, verify before applying
- A valid identity document for each authorised person, with identity verified in branch or online, as of 24 March 2026.
- For a sole proprietor, the CEIDG entry and the NIP and REGON numbers.
- For a company, the KRS extract, the articles of association, and details of the management board and the beneficial owners filed in the CRBR. Foreign documents may need a certified Polish translation. Confirm the list with the bank.
How to choose where to open
- Confirm your legal form, since it decides whether you need a company account or can use a sole proprietor account.
- List the features you need, such as a Polish IBAN, a VAT account for split payment, team cards, BLIK, accounting sync or multi currency receiving.
- Total the monthly fee plus the per item charges for your usage, read the bank price list for the current figures, and confirm before you apply.
Compare business accounts available in Poland
These providers accept business customers in Poland. Fees and eligibility shown as of 24 March 2026. Confirm current terms with the provider before applying.
Compare business accounts →Questions about opening a business account in Poland
How long does it take to open a business account in Poland?
What documents do I need to open a business account in Poland?
Does a sole proprietor in Poland need a separate business account?
Can a foreign founder open a Polish business account?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 24 March 2026. Confirm current terms with the provider before applying.