Konto Firmowe Online

Erste Bank Polska Konto Firmowe Online - Review

Konto Firmowe Online is a basic business current account from Erste Bank Polska, offered through a fully remote online channel. It can be opened online by sole traders for whom the bank has not held a business account in the last 12 months, looking for a business account with no fee for simply having it and no cost for standard online transfers. The bank clearly bets on a simple price list rather than a cash bonus, as discussed later in this review.

Fees and charges

The biggest advantage of this offer is the lack of an account maintenance fee - the bank charges nothing for running the business account or currency accounts, with no turnover thresholds or transaction counts to meet. Online Elixir transfers in PLN (excluding Przelew24 transactions), online SEPA transfers in EUR to EEA countries and the first 10 BlueCash instant transfers a month are also free, which genuinely lowers monthly costs for businesses making many payments to contractors or authorities.

You can choose a Visa Business Debit or Mastercard Business Debit card for the account. The first card is free if you give and keep your marketing consents.

Marketing consents are the key condition here: without them, the bank charges card and ATM withdrawal fees according to the Konto Firmowe Online fee table. People who on principle do not want to give marketing consents should expect not to benefit from the full set of fee waivers.

With marketing consents kept, card withdrawals at ATMs in Poland and worldwide cost PLN 0. BLIK withdrawals at ATMs in Poland are also free. That is convenient for businesses that use cash on business trips, including abroad.

Bonus and extra features

Erste Bank Polska's Konto Firmowe Online page currently shows no cash bonus for new customers. Instead, within 30 days of opening your first business account you can open a Lokata Biznes na Start deposit: a fixed 4.5% a year for 3 months on PLN 1,000 to 200,000, provided you keep your marketing consents. The decision to open the account should therefore rest mainly on its fee structure and features.

The account does offer a solid set of digital features in return: Mini Firma online banking and a mobile app, BLIK, Google Pay and Apple Pay, and Kantor Erste/eFX for businesses to exchange currencies without leaving online banking - especially useful for businesses dealing with foreign contractors. The bank also gives access to inFakt eKsięgowość online accounting (from PLN 5 net a month), useful mainly for sole traders who want fewer separate tools. The card supports contactless and online payments, so it works both for everyday in-store purchases and for e-commerce.

Who it's for

Konto Firmowe Online is best suited to sole traders running a small-scale business for whom no fixed account costs and free transfers matter most. The account is opened and run fully online: you can confirm your identity via a courier, in a video call with an adviser, or yourself by taking a photo of your ID and face. You need a valid Polish ID card, and the bank pulls your business details from CEIDG.

Pros and cons

Pros

• No account maintenance fee, with no conditions attached
• Free online Elixir and SEPA transfers plus 10 BlueCash transfers a month
• First card and ATM withdrawals in Poland and worldwide at PLN 0 with marketing consents
• Kantor Erste/eFX for businesses and access to inFakt eKsięgowość
• Google Pay, Apple Pay and BLIK supported

Cons

• No cash bonus for new customers (only a 4.5% starter deposit)
• Free card and ATMs require keeping marketing consents
• Without marketing consents, card and withdrawal fees follow the fee table
• Online opening only for sole traders with no business account at the bank in the last 12 months

Summary

Erste Bank Polska's Konto Firmowe Online is a solid, low-cost proposition for sole traders - zero maintenance fee and free online Elixir and SEPA transfers are concrete savings with no conditions attached. The key, however, is keeping your marketing consents: only then are the first card and ATM withdrawals in Poland and worldwide free. The offer currently includes no cash bonus, only a 4.5% starter deposit, so the choice of this account should rest on its actual fee structure.