How to open a business bank account in Poland

How to open a business bank account in Poland is a question every entrepreneur faces. Polish law requires all companies registered in the country to have a local bank account. This applies to both small sole proprietors and large corporations.

We will help you open a company in Poland and register it correctly.

Why do you need a Polish bank account?

Imagine: you've just registered a company in Poland. Your first transactions, tax payments, and employee salaries are just around the corner. And then you discover an unpleasant detail: without a local bank account, many transactions are either impossible or significantly more expensive.

A local account is required for:

  • Payment of taxes and contributions to ZUS (social insurance agency)
  • Settlements with Polish partners and clients
  • Receiving government support and grants
  • Participation in tenders
  • Connecting payment systems for an online store

Peculiarities of the Polish banking system

Opening a corporate account with a Polish bank has its own specifics. The Polish banking system is considered one of the most developed in Eastern Europe. Modern technologies are being actively implemented, including contactless payments, instant BLIK transfers, and advanced online banking.

At the same time, the system is quite conservative when it comes to security and client verification. This is especially true when it comes to opening accounts for non-residents. Banks thoroughly check the origin of funds and the business reputation of their clients.

What you need to know before going to the bank

Documents required to open an account can be divided into several categories:

Company's constituent documents:

  • A current extract from the KRS register (not older than 3 months)
  • Certificate of assignment of a REGON number
  • Certificate of assignment of a NIP tax number
  • Company Charter
  • Decision on the appointment of a manager
  • Ownership structure documents

Personal documents of representatives:

  • International passport
  • Residence permit (if any)
  • Confirmation of registration address
  • Signature samples

Additional documents:

  • Financial statements (for operating companies)
  • Business plan (for new companies)
  • Office or premises lease agreements
  • Contracts with key partners

We will help you open a company in Poland and register it correctly.

Choosing a Bank: A Detailed Comparison

Business banking services vary significantly between banks. Let's look at the main options:

PKO Bank Polski:

  • The largest network of branches (more than 1000)
  • English-language service in major cities
  • Modern Internet banking iPKO
  • Special conditions for startups
  • Service cost: from 40 zlotys per month
  • Account opening time: 2-3 business days

mBank:

  • A fully digital bank
  • Best mobile app
  • Opening a current account in Poland online
  • Integration with accounting systems
  • Service cost: from 0 PLN upon fulfillment of conditions
  • Account opening time: 1-2 business days

Santander Bank Polska:

  • Strong international expertise
  • Multi-currency account with 20+ currencies
  • Favorable conditions for foreign trade
  • A personal manager for each client
  • Service cost: from 50 zlotys per month
  • Account opening time: 3-4 business days

ING Bank Śląski:

  • Developed Internet banking system
  • Specialized programs for e-commerce
  • Convenient API for integrations
  • Free account opening
  • Service cost: from 30 zlotys per month
  • Account opening time: 2-3 business days

Opening process: detailed instructions

There are two ways to open a business bank account:

In person at the branch:

Preliminary preparation:

  • Collect all the necessary documents
  • Translate documents with a sworn translator
  • Prepare copies of all documents

Appointment booking:

  • Call the bank or make an appointment online
  • Clarify the list of required documents
  • Agree on a convenient time

Visit to the bank:

  • Personal presence of all company representatives
  • Verification of documents by a bank specialist
  • Filling out questionnaires and forms
  • Signing the contract

After the visit:

  • Obtaining bank cards
  • Activating online banking
  • Setting up access rights
  • Installing a mobile application

Features for foreign entrepreneurs

Business accounts for foreigners have additional nuances. Banks pay particular attention to checking foreign clients as part of their KYC (Know Your Customer) and AML (Anti-Money Laundering) policies.

Specific requirements for non-residents:

Additional documents:

  • Apostilled constituent documents
  • Bank statements in other countries
  • Letters of recommendation from partners
  • Confirmation of source of funds
  • Detailed business plan

The verification process for opening an account for non-residents can take 2 to 4 weeks. Some banks require the personal presence of all company beneficiaries.

Language features

Although it is possible to open a corporate account without knowledge of the Polish language, it is important to consider:

In large cities:

  • Dedicated English-speaking managers
  • Contracts in two languages
  • Support in English

In smaller towns:

  • Mainly Polish language service
  • The need to work with a translator
  • Documents are only in Polish

Service cost: full breakdown

Polish banks' fees include several components:

Basic rates:

  • Monthly service: 0-150 PLN
  • Internal transfers: 0-3 zlotys
  • International transfers within the EU: 5-50 PLN
  • SWIFT transfers: from 40 zlotys
  • Corporate card issuance: 0-50 PLN
  • Card maintenance: 0-15 PLN per month

Additional services:

  • SMS notifications: PLN 0.30-0.50 per message
  • Paper statements: 10-30 PLN
  • Certificates for auditors: from 100 zlotys
  • Changing a signature card: 20-50 PLN

What to do after opening an account

After opening a corporate account with a Polish bank, it's important to properly manage it. During the first week, focus on the basic settings. Start by activating online access—this is your primary account management tool. At the same time, set up the bank's mobile app on the phones of key employees. Don't forget to order corporate cards for everyone who needs them for work. At the end of the first week, be sure to set limits on all transactions—this is the foundation of your company's financial security.

Spend the next three weeks on advanced setup and automation. Create templates for recurring payments—this will save your accounting department time. Enable SMS notifications about account transactions. Pay special attention to integrating your bank account with your accounting system—this will significantly simplify accounting. During the first month, it's also important to train your employees on the new banking interface.

By the end of the first quarter, you'll have gained enough experience to evaluate the ease of service. Analyze your banking expenses—perhaps there are ways to optimize them. Explore additional banking products that could be useful for your business. If your current tariff plan isn't optimal, now's the time to adjust it.

We will help you open a company in Poland and register it correctly.

Let's sum it up

Opening a business bank account in Poland is a doable task, although it does require careful preparation. The key is to choose the right bank, gather all the necessary documents, and be patient, especially if you're a non-resident.

Remember that well-configured banking is the foundation of a successful business in Poland. Take the time to choose the optimal bank and plan, and carefully configure all services. This investment will pay off in the convenience of daily operations and savings on banking services.

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Damien Vice

02/11/2025

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Andrii Melnychuk

26/08/2025

I highly recommend Łatwy Start! Thanks to them, my two kids and I received 3-year residence cards without any stress. Special thanks to manager Kristina — she was extremely helpful and even managed to speed up the process for my children. Excellent service, very satisfied!

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Anton Mezhuiev

26/08/2025

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Anastasiya Balotnikava

26/08/2025

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Inna

03/08/2025

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Oleksandr Drobyshev

15/07/2025

Все супер

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Yevgeniy Postebailo

14/07/2025

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Aliaksei Seniukovich

11/07/2025

Хочу выразить огромную благодарность Кристине из Łatwy Start за профессиональную помощь в получении вида на жительство в Польше. Благодаря её опыту, внимательности и доброжелательному отношению весь процесс прошёл легко и без лишнего стресса. Кристина всегда была на связи, подробно отвечала на все вопросы и помогала на каждом этапе оформления документов. Искренне рекомендую её услуги всем, кто ищет надёжную поддержку в решении миграционных вопросов в Польше!

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Gennady Bakunovich

11/07/2025

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