Konto Biznes z Żubrem w promocji i 5000 zł premii

Konto Biznes z Żubrem – who is this Bank Pekao offer for

Konto Biznes z Żubrem is Bank Pekao's business account aimed both at people setting up a new company and at entrepreneurs looking for a new settlement account for a business they already run. The offer combines the basics of a business account – transfers, a debit card, mobile banking – with an extensive reward programme worth up to PLN 5,000. As the analysis below shows, that figure is made up of four separate elements with very different levels of difficulty, not a single bonus for simply opening the account.

Fees and charges

The account maintenance fee ranges from PLN 0 to PLN 15 a month. It is PLN 0 if in a given month you have marketing and commercial consents active and the account receives at least PLN 2,000 or you make a transfer to ZUS from it; if these conditions are not met, the fee is PLN 15 a month.

External transfers cost between PLN 0 and PLN 1.50: domestic transfers in the PeoPay app are free, as are transfers to ZUS and the tax office, while in Pekao24 dla firm 15 transfers a month are free and each further one costs PLN 1.50. An Express Elixir transfer costs PLN 10.

The account comes with a Mastercard or Visa debit card. The card fee ranges from PLN 0 to PLN 12 a month: it is zero if the bank settles at least PLN 500 of card payments in the month, otherwise PLN 12. Withdrawals at Pekao ATMs are free. The first two withdrawals a month at other ATMs in Poland or abroad are free (counted together), and each further one costs 2% of the amount, minimum PLN 5. BLIK withdrawals via PeoPay at domestic ATMs are free. The card supports online and contactless payments.

Bonus and additional features

The headline PLN 5,000 is the sum of four separate elements, each requiring a different action:

• Up to PLN 200 – PLN 100 for each of the two consecutive months after opening the account in which you make a transfer of at least PLN 300 to ZUS from it. This is the only element of the package achievable almost immediately, without much effort or additional commitments.
• Up to PLN 2,400 – 4% cashback on payments with the account card or via Google Pay, Apple Pay and Garmin Pay (minimum PLN 40, maximum PLN 240 a month) for 10 months, each month provided you spend at least PLN 1,000 and transfer at least PLN 300 to ZUS. The maximum PLN 240 requires PLN 6,000 of spending a month. This is by far the largest part of the bonus, but it requires sustained payment activity over a longer period, not a one-off transaction.
• Up to PLN 1,200 – PLN 120 a month for 10 months for signing a payment terminal contract with the bank and accepting at least PLN 1,000 of payments on it in the month (plus a ZUS transfer of at least PLN 300). It only applies to businesses accepting card payments in person - for a service provider operating without a terminal, this element is out of reach.
• PLN 1,200 one-off – for signing, during the promotion, a loan agreement (disbursed for at least PLN 100,000), a leasing agreement with Pekao Leasing (and paying an instalment from the account) or a factoring agreement with Pekao Faktoring. This is a financial commitment, not a simple administrative step - it involves a creditworthiness assessment and the cost of such a product.

In other words, the realistically achievable amount depends heavily on the business's profile. An entrepreneur without a terminal and without a need for external financing will in practice collect PLN 200 for opening the account plus – with regular card spending – up to PLN 2,400 spread over time, i.e. roughly PLN 2,600 at most. The full PLN 5,000 is reserved for businesses that use a Pekao payment terminal and also take out a loan, credit, leasing or factoring product with this bank – a much narrower group than the headline figure suggests.

Beyond the bonus and the payment card, the account offers: the PeoPay mobile app, BLIK payments, contactless payments and support for Google Pay, Apple Pay and Garmin Pay. Auxiliary accounts in 17 foreign currencies cost PLN 0, and in PeoPay and Pekao24 you can activate Księgowość z Żubrem (the CashDirector accounting platform) with support for the National e-Invoicing System (KSeF) free of charge. The promotion runs until 31 December 2026 and is for new business customers (including sole traders, civil and general partnerships with revenue up to the equivalent of EUR 2.5 million and limited liability companies with revenue up to PLN 5 million); sole traders can open the account online.

Who this account is for

Konto Biznes z Żubrem works best for entrepreneurs who simultaneously accept card payments (in person, via a Pekao terminal), pay for everyday expenses with a business card or phone, and plan to use external financing – a loan, credit, leasing or factoring – with the same bank. For such a client, the total bonus can realistically get close to the headline PLN 5,000. For a sole proprietorship providing services, settling mostly by bank transfer, without a terminal and without a need for financing, the realistic gain from the reward programme is more likely to be a few hundred to a bit over two thousand złoty – which doesn't make the account a bad choice, but it is worth calculating this honestly before opening the account, rather than going by the headline number in the offer's name alone.

Pros and cons

Pros

• Maintenance and card fees can be waived by meeting activity conditions
• Low maximum external transfer fee (up to PLN 1.50)
• Wide range of payment methods: BLIK, NFC, Google Pay, Apple Pay, Garmin Pay
• Extensive reward programme worth up to PLN 5,000 for actively engaged businesses
• Accounts in 17 foreign currencies at PLN 0 and Księgowość z Żubrem with KSeF support

Cons

• The full PLN 5,000 bonus requires a payment terminal plus a separate loan, credit, leasing or factoring product
• Without meeting the activity conditions, the account fee (PLN 15) and card fee (PLN 12) add up to a noticeable monthly cost
• After two free withdrawals a month (outside Pekao ATMs or abroad), further ones cost 2%, min. PLN 5
• The account fee waiver requires marketing consents plus PLN 2,000 of inflows or a ZUS transfer each month

Summary

Konto Biznes z Żubrem offers real savings potential – a zero maintenance fee and zero card fee are achievable with typical business activity – but the headline PLN 5,000 bonus is the sum of four separate elements with very different levels of difficulty: from an almost automatic PLN 200 for opening the account, through cashback of up to PLN 2,400 on card spending, to conditions that require a payment terminal or a separate credit product. Before opening the account, it's worth honestly assessing how many of these conditions your business will actually meet: for an entrepreneur using a Pekao terminal and financing, it's an attractive package; for a business operating purely on transfers, the real payout will be considerably more modest than the advertised figure.