Business Accounts — Ranking 2026

What is a business bank account?

A business bank account is a bank account dedicated to running a business. It is used to receive payments from clients, pay invoices, ZUS contributions, and taxes. Unlike a personal account, a business account is tailored to the needs of entrepreneurs — it includes features such as accounting system integrations and payment terminals.

How much does a business account cost?

Business account maintenance fees range from PLN 0 to PLN 30 per month, depending on the bank and the package selected. Many banks offer free maintenance for the first year, or when certain conditions are met (e.g., a minimum number of transactions). Additional charges may apply for transfers, cash withdrawals, or terminal handling.

What documents are needed to open a business account?

To open a business account you need: a valid ID, NIP number, REGON number, entry in CEIDG or KRS, and (for companies) the articles of association. Most banks allow sole traders to open an account online. The process takes from a few minutes to several business days.

Business account online vs. in a branch — which is better?

Online business accounts usually offer lower fees and a faster opening process. In-branch accounts may be necessary for companies or businesses that handle cash. Many banks combine both channels — you open the account online and use the branch when needed. The best choice depends on the nature of your business.

Does a sole trader need a separate business account?

Polish law does not require a separate business account for sole traders, but it is strongly recommended. A dedicated business account makes tax accounting easier, is required by the tax office for VAT refunds, and keeps personal and business finances clearly separated. Most accountants strongly advise having one.