Business account requirements and documents in Poland

Snapshot

To open a business account in Poland the bank needs to identify you and confirm the business exists. A sole proprietor shows identity, the CEIDG entry and the NIP and REGON numbers. A company shows the KRS extract, the articles of association, the management board details and the beneficial owners filed in the CRBR. The exact list varies by bank.

Sole proprietor: Identity document, CEIDG entry and the NIP and REGON numbers, as of 11 February 2026.
Sp. z o.o.: KRS extract, articles of association, board identity documents and the CRBR filing.
Beneficial owners: A company files beneficial owners in the Central Register of Beneficial Owners.
Active numbers: Banks generally expect the NIP and REGON to be active before opening.

Fees and features as of 11 February 2026Last reviewed 11 February 2026

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

Opening a business account in Poland comes down to two things the bank must confirm: who you are, and that the business is registered. A sole proprietor running a jednoosobowa dzialalnosc gospodarcza shows an identity document, the CEIDG entry and the NIP and REGON numbers. An sp. z o.o. also shows the KRS extract, the articles of association, identity documents for the management board, and the beneficial owners filed in the Central Register of Beneficial Owners. The precise list varies by bank. Details below are shown as of 11 February 2026.

What banks need in Poland

Polish banks follow anti money laundering rules, so every business account starts with identity and business checks. The difference between a sole trade and a company is how much the bank has to verify. A sole proprietor is the same legal person as the business, so the checks are lighter, while a company is a separate legal entity, so the bank reviews the registration, the people who run it and the people who ultimately own it. Details below are shown as of 11 February 2026.

For a sole proprietor

If you run a jednoosobowa dzialalnosc gospodarcza, the bank usually asks for a valid identity document, the CEIDG entry that confirms the business is registered, and the NIP tax number and REGON statistical number that the registration creates. Some banks also ask what the business does and its expected turnover for their risk review. The numbers generally need to be active before the account opens, so register first and confirm the timing with the bank.

For an sp. z o.o.

A company shows more. Banks commonly ask for the KRS extract from the National Court Register, the articles of association, the NIP and REGON, identity documents for the members of the management board and any authorised representatives, and the beneficial owners filed in the Central Register of Beneficial Owners, the CRBR. Foreign documents may need a certified Polish translation, and a representative signing on behalf of the company may need a power of attorney. Share capital of at least PLN 5,000 is a formation requirement for the company itself, not a separate bank charge. Confirm the full list with the bank.

Before you apply

A complete file is the fastest route to an open account. Requirements vary by provider, verify before applying

Register the business and confirm the NIP and REGON are active, in the CEIDG for a sole trade or the KRS for a company, as of 11 February 2026.
For a company, file the beneficial owners in the CRBR and gather the KRS extract and the articles of association.
Prepare identity documents for everyone who will be named on the account, and ask whether foreign documents need a certified Polish translation.

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Questions about requirements in Poland

What documents do I need to open a business account in Poland?

A sole proprietor usually needs an identity document, the CEIDG entry and the NIP and REGON numbers. An sp. z o.o. also needs the KRS extract, the articles of association, identity documents for the management board and the beneficial owners filed in the Central Register of Beneficial Owners, as of 11 February 2026. Confirm the list with the bank.

Do I need a NIP and REGON to open a business account in Poland?

Yes, in practice. Banks generally expect an active NIP tax number and REGON statistical number before they open a business account, both of which are created when you register in the CEIDG or the KRS, as of 11 February 2026. Confirm the timing with the bank, since some checks need the numbers to be active.

What is the CRBR and do I need it?

The CRBR is the Central Register of Beneficial Owners. A company such as an sp. z o.o. must file its beneficial owners there within the statutory deadline after registration, and banks check the entry as part of anti money laundering review, as of 11 February 2026. A sole proprietor does not file in the CRBR. Verify with a local adviser and the bank.

Is share capital required for a Polish company account?

Share capital is a company formation requirement, not a bank rule. An sp. z o.o. needs share capital of at least PLN 5,000 to be registered in the KRS, after which it opens a business account in the company name, as of 11 February 2026. Confirm the formation steps with a local adviser.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 February 2026. Confirm current terms with the provider before applying.