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Best business accounts for small and medium enterprises

Compare accounts for SMEs, companies and entrepreneurs

Choose a business account with low fees, domestic and international transfers, multi-currency support and accounting system integration.

Verified 11.05.2026

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Alior Bank

Alior Bank

iKonto Biznes

0.00%

interest rate

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BNP Paribas Bank Polska

BNP Paribas Bank Polska

Konto Otwarte na Biznes

0.00%

interest rate

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Bank Millennium

Bank Millennium

Konto Mój Biznes z premią 5000 zł

0.00%

interest rate

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All offers in this category

Bank Pekao

Bank Pekao

Konto Biznes z Żubrem w promocji i 4200 zł premii

Verified 27.04.2026
0.00%
Apply →
Citi Handlowy

Citi Handlowy

Konto firmowe CitiKonto z premią do 2700 zł

Verified 27.04.2026
0.00%
Apply →
Nest Bank

Nest Bank

BIZnest Konto

Verified 27.04.2026
0.00%
Apply →
PKO Bank Polski

PKO Bank Polski

PKO Konto Firmowe

Verified 27.04.2026
0.00%
Apply →
VeloBank

VeloBank

VeloKonto Firma

Verified 27.04.2026
0.00%
Apply →
mBank

mBank

Konto dla spółki z gwarancją 0 zł na prowadzenie przez 2 lata

Verified 27.04.2026
0.00%
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mBank

mBank

Konto firmowe mBiznes Standard

Verified 27.04.2026
0.00%
Apply →
mBank

mBank

Konto mBiznes Standard (z otwarciem firmy)

Verified 27.04.2026
0.00%
Apply →
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Frequently asked questions

Open a business account before the first payment arrives — mixing business money with personal funds is a recipe for tax chaos. Set up three "buckets": income, running costs, and taxes (put aside about 20% of each invoice for VAT and CIT). This simple structure will save you from end-of-quarter surprises.
Negotiate a transfers package with your bank — most banks offer a flat fee for unlimited domestic transfers. You can also route international transfers through Wise or Revolut Business, which charge a fraction of bank fees. At high volumes, the difference can amount to several thousand PLN per year.
Most business banks allow you to issue an additional debit card for an employee in the app within minutes — the physical card arrives by courier in 2–5 days. If you need one immediately, Revolut Business and mBank offer virtual cards that work straight away in Apple Pay / Google Pay.
It depends on the legal structure. An sp. z o.o. or SA gives full protection — you are liable only up to your contribution. A sole tradership or civil partnership does not — creditors can pursue your personal assets. A separate business account is good practice but does not replace incorporating if you are running a high-risk business.
Open currency accounts in EUR, USD, and GBP at your bank — this lets you receive payments in each currency without automatic conversion. Convert only when the exchange rate is favourable. For small businesses and startups, Wise Business is often a cheaper alternative with near-market exchange rates.