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Accounts for freelancers and sole traders

Manage your income and invoices from one account

As a freelancer you need an account that separates personal and business finances. Check business and personal accounts with features for the self-employed.

Verified 11.05.2026

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Frequently asked questions

Freelancers should maintain a financial buffer covering 3–6 months of expenses. Open a separate savings account and transfer a fixed percentage of income (e.g. 20–30%) in every good month. When work returns, resist tapping the buffer for luxuries — it is your cushion for lean periods.
The bank will not collect the debt for you, but you can use factoring — a service where the bank or a factoring company pays you the amount upfront (minus a fee) and then handles collection from the client. Some business accounts include factoring in the package. Alternatively: send a formal payment demand by email with a read receipt.
Definitely. A EUR or USD currency account lets you receive payments without immediate conversion — you can wait for a better exchange rate. Polish business banks (e.g. mBank, Alior) offer EUR and USD accounts. For multiple currencies and cheap international transfers, Wise is an excellent option.
Open a separate business account and immediately set up a standing order — transfer a fixed "salary" from the business account to your personal one each month. Pay business purchases with the business card only, and personal purchases with the personal card. One month of this discipline and you will never again wonder what to deduct from taxes.
Yes — Ukrainian citizens with temporary protection status (UKR) can register a sole tradership in CEIDG on the same terms as Polish nationals. To open a business bank account you need a PESEL or NIP number, an identity document, and a CEIDG certificate. The entire process can be completed online.