Multi currency business accounts in Poland holding EUR, USD and GBP

Snapshot

Poland uses the zloty and is not in the euro area, so a business that trades abroad often wants to hold and receive other currencies. Several banks and providers let a business hold euro, dollars, pounds and more alongside the zloty in one place. The trade off is between a familiar local bank and a cross border provider with tighter exchange pricing.

Home currency: Polish zloty. Poland is in the European Union but not the euro area, as of 20 February 2026.
Traditional banks: mBank, Santander and Bank Millennium offer currency accounts in EUR, USD, GBP and others.
Cross border providers: Revolut Business and Wise hold many currencies and quote tighter exchange pricing.
Main cost: The exchange spread or conversion fee, which varies widely by provider.

Fees and features as of 20 February 2026Last reviewed 20 February 2026

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

Poland uses the Polish zloty and is a member of the European Union that has not adopted the euro, so domestic taxes and most invoices settle in zloty. A business that buys or sells abroad can still hold and receive euro, dollars, pounds and other currencies in a multi currency account. Traditional banks such as mBank, Santander and Bank Millennium offer currency accounts, while cross border providers such as Revolut Business and Wise hold many currencies with tighter exchange pricing. Figures below are shown as of 20 February 2026.

Multi currency accounts in Poland

Because Poland keeps the zloty, a business with foreign income or foreign suppliers often wants to avoid converting every payment twice. A multi currency account lets you receive in a currency, hold it, and convert when the rate suits you rather than at the moment money arrives. The right choice depends on how much you convert, which currencies you use, and whether you value a local branch network or the lowest exchange cost. Figures below are shown as of 20 February 2026.

Currency accounts from Polish banks

Several established banks let a business open accounts in other currencies next to the zloty account. mBank offers currency accounts within its business banking, including euro, dollars, pounds and Swiss francs, and Santander and Bank Millennium offer comparable currency accounts that let you hold and convert inside the same app. The conversion rate is usually the bank own exchange rate, which includes a spread, so the headline can look free while the cost sits in the rate. Confirm the current currencies and the spread with the bank.

Cross border providers

Revolut Business gives a Polish IBAN and lets a business hold and exchange many currencies, with interbank rates up to a monthly allowance that depends on the plan and a percentage fee beyond it. Wise for Business holds dozens of currencies, quotes the mid market rate with a stated conversion fee from about 0.35 percent, and can provide local receiving details in several countries so foreign clients pay as if locally. These providers are electronic money institutions rather than banks, so balances are safeguarded rather than covered by deposit guarantee. Confirm the current fees and the currency list with the provider.

What to weigh up

Match the account to how you actually trade. Fees and currency lists vary by provider, verify before applying

How much you convert each month, since the exchange spread or conversion fee is usually the largest cost, as of 20 February 2026.
Which currencies you need to hold and receive, and whether you need local receiving details abroad.
Whether you value a Polish branch and relationship banking or the tightest exchange pricing from a cross border provider.

Compare business accounts available in Poland

These providers accept business customers in Poland and offer currency features. Fees and eligibility shown as of 20 February 2026. Confirm current terms with the provider before applying.

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Questions about multi currency accounts in Poland

Can a business in Poland hold euro and dollars in one account?

Yes. Poland uses the zloty and is not in the euro area, but several banks and providers let a business hold and receive euro, dollars and other currencies alongside the zloty, as of 20 February 2026. Examples include mBank, Santander, Bank Millennium, Revolut Business and Wise. Confirm the current currency list and fees with the provider.

Does Poland use the euro?

No. Poland is a member of the European Union but keeps its own currency, the Polish zloty, so domestic prices, taxes and most invoices are settled in zloty, as of 20 February 2026. A business that trades abroad can still hold euro and other currencies in a multi currency account. Verify with the provider.

What does it cost to convert currency in a Polish business account?

It depends on the provider. Traditional banks usually apply their own exchange spread, while Wise quotes the mid market rate with a stated conversion fee from about 0.35 percent and Revolut offers interbank rates with limits by plan, as of 20 February 2026. Read the price list and confirm the rate before converting.

Can I receive payments from abroad into a Polish business account?

Yes. A multi currency account can receive incoming transfers in supported currencies, and some providers give local receiving details in other countries so foreign clients can pay as if locally, as of 20 February 2026. Fees and the currency list vary, so confirm with the provider before relying on it.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 20 February 2026. Confirm current terms with the provider before applying.