iKonto Biznes

iKonto Biznes from Alior Bank - review

iKonto Biznes is Alior Bank's basic business account, aimed at sole traders looking for an account that is cheap to run. The bank pairs a zero maintenance fee with a multi-stage bonus package for new customers that headlines at PLN 4,000. In this review we check how much the account really costs day to day, and how hard it is in practice to collect the whole advertised bonus rather than just its first, easiest part.

Fees and commissions

The maintenance fee for the basic account is PLN 0. The bank attaches no extra conditions to it: you don't have to declare minimum inflows or make a set number of transactions to avoid a monthly fee. It is an unconditional waiver for the basic business account. Domestic online transfers (Elixir), including to ZUS and the tax office, cost PLN 0, as do standard online SEPA transfers with the SHA cost option. Instant transfers (PLN 10) and transfers ordered at a branch (PLN 20), among others, are charged.

The account comes with a Mastercard z Plusem debit card in its business variant. Issuing the card costs PLN 0, and using it is free provided at least 4 cashless transactions are made in a given month; otherwise the fee is PLN 8 per month.

Cash withdrawals by card are free at ATMs in Alior Bank branches. At Euronet and Planet Cash ATMs the first two withdrawals a month are free (the first in the Euronet network and the first in the Planet Cash network), and each further one costs PLN 6. At other domestic ATM networks expect a 3.5% commission on the amount withdrawn, minimum PLN 6, a cost worth remembering if the business uses cash outside the bank's partner networks, for example on business trips around the country. For withdrawals at foreign ATMs the fee table sets 3% of the amount, minimum PLN 8 (euro withdrawals in the EEA cost 3.5%, min. PLN 6), and the bank charges a 5% commission on cashless foreign transactions outside that zone.

Bonus and extra features

The headline bonus for opening iKonto Biznes is up to PLN 4,000, and that amount is the sum of three separate elements of varying difficulty. The bank's promotions are open to businesses that had no business account or business debit card at Alior Bank between 1 March 2025 and 28 February 2026 and open iKonto Biznes with their first Mastercard z Plusem card between 1 March and 31 October 2026.

• PLN 500 starter bonus - the simplest element of the whole package. The condition is making payments with the card z Plusem or BLIK totalling at least PLN 500 within 14 days of opening the account, and having active marketing consents on the payout date. It is a one-off condition, realistically met just by using the newly opened account normally.
• Up to PLN 3,000 in the Premia Moneyback promotion - by far the most drawn-out element of the bonus. The refund is 10% of card z Plusem or BLIK payments at terminals, up to PLN 300 a month, provided that in a given month such payments total at least PLN 2,000 and at least one transfer to ZUS is made in online or mobile banking. The bonus is paid for a maximum of 10 months, so collecting the full PLN 3,000 takes ten months of regular, month-on-month payment activity, not a single payment, however large.
• PLN 500 bonus after a year - paid after a year, provided the Premia Moneyback conditions were met at least 10 times within 12 months. In practice it rewards keeping up the activity described above for almost the whole year, rather than being a separate, easy condition.

To sum up how hard the bonus is to earn: PLN 500 in cash comes easily and quickly, almost automatically, at the start. The next PLN 3,500 (Premia Moneyback plus the after-a-year bonus) takes ten months of systematic, monthly card z Plusem or BLIK payments. The bonus is genuinely attractive mainly for a business that would settle by card and BLIK on that scale all year anyway - it is not an "easy PLN 4,000" but a multi-stage bonus spread over twelve months, with each successive condition harder to meet.

Apart from the bonus, the account offers mobile and online banking, contactless Google Pay and Apple Pay payments, the free Autodealing service for currency exchange and opening deposits, and a finance and accounting app supplied by Comarch.