Konto dla spółki

mBank Konto dla spółki – Review

Konto dla spółki ("Account for a company") is mBank's business current account aimed not at sole traders, but at legal entities and other organised bodies — companies, foundations, associations, homeowner communities, and church or educational institutions. That distinction matters: if you run a sole proprietorship, this offer isn't for you — mBank has a separate product for that. Konto dla spółki targets organisations that need full transactional banking — domestic and foreign transfers, a business card, accounting integrations — without heavier corporate tools like cash pooling.

Fees and Charges

The monthly account maintenance fee ranges from PLN 0 to PLN 19. You pay PLN 0 in a given month if you meet one of two conditions: send a transfer to ZUS (Poland's social insurance institution) for any amount, or ensure an incoming transfer to the account of at least PLN 1,000. That's a low bar — in practice almost any active company paying social contributions or receiving even modest operational inflows will be exempt. Failing to meet the condition in a given month means a PLN 19 fee — so this isn't an unconditional "forever free" fee, it depends on account activity each month.

External transfers are free (PLN 0) in the base offer, but the details of that "free" differ depending on the company's age. For companies operating no longer than 12 months, mBank offers a very broad package: unlimited free online transfers in PLN and EUR, free express transfers (up to 3 per day), and unlimited SWIFT and SORBNET transfers. For companies operating longer than 12 months, the offer is more limited — a package of 20 free PLN/express transfers per month plus 20 free SEPA EUR transfers per month. Transfers beyond those limits may be chargeable, though no specific pricing above the limit could be confirmed either in the product database or on the bank's offer page — if you make a lot of international transfers, it's worth checking directly before opening the account.

The account comes with a Mastercard Debit Business card, which carries no fixed card fee. ATM withdrawals in Poland and abroad are free under the "Grow your business with payments from mBank – edition 1" promotion, aimed at people running a business for no longer than 12 months. In other words — free ATMs, like the broadest package of free transfers described above, is really an offer for freshly registered entities, not for companies that have been operating for years.

Bonus and Additional Features

The offer's name — "guaranteed PLN 0 for account maintenance for 2 years" — refers to a broader package of benefits that mBank extends over the first 24 months of the account, not just to the maintenance fee itself (which, as described above, depends month to month on account activity, regardless of the company's age). As part of this promotional package, the bank offers, among other things:

• a POS/POSapp payment terminal free of charge for 24 months, up to PLN 200,000 in turnover,
• the Paynow payment gateway free of charge for 24 months,
• the mKsięgowość (mAccounting) service for a symbolic PLN 1 net per month for the first 3 months (the price after that period isn't stated on the offer page — worth asking before signing),
• free MT940 reports for automated bookkeeping.

The account also offers a mobile app and online accounting as standard features, independent of time-limited promotions. Importantly — neither the product database nor the bank's offer page shows any one-off cash bonus for opening the account (the kind of "grab PLN 500" offer). This product builds its value through waived fees and free add-on services in the first period of operation, not through a cash welcome bonus — if you're looking for a business account with an upfront cash bonus, this isn't it.

Who Is It For

Konto dla spółki works best in two scenarios. The first is a freshly registered company (up to 12 months of operation) — here the combined benefits are the largest: free ATMs at home and abroad, practically unlimited free transfers in PLN, EUR, and via SWIFT/SORBNET, a cheap payment terminal, and cheap online accounting. The second scenario is an NGO, homeowner community, or church/educational institution, for whom the key factors are the low maintenance fee (easy to zero out with just a ZUS transfer or a minimal inflow) and no charge for standard domestic transfers. Companies operating for more than a year can still get PLN 0 for maintenance and a free package of 20 transfers a month, but they no longer get free ATMs or the unlimited foreign transfers reserved for new entities.

Pros and Cons

Pros

• PLN 0 maintenance fee with a low-bar condition (a ZUS transfer or an inflow of at least PLN 1,000)
• Free Mastercard Debit Business card with contactless payments and cash back
• Very broad package of free transfers and free ATMs for companies up to 12 months old
• Cheap payment terminal, Paynow gateway, and online accounting in a 24-month promotional package
• Serves a wide range of entities — companies, foundations, associations, communities, institutions

Cons

• No one-off cash bonus for opening the account
• The best terms (free ATMs, unlimited foreign transfers) apply only to companies operating no longer than 12 months
• For companies older than a year, external transfers are limited to a package of 20 per month
• The maintenance fee rises to PLN 19/month if the exemption condition isn't met in a given month
• The mKsięgowość price after the first 3 promotional months isn't explicitly disclosed

Summary

mBank's Konto dla spółki is a solid proposition primarily for newly registered legal entities, which in their first year of operation can access an almost entirely free banking package — from zero maintenance fees, through free transfers and ATMs, to a cheap payment terminal and online accounting. For companies operating longer than a year, the offer remains competitive thanks to the low bar for the fee exemption and the free transfer package, though it loses some of the most attractive elements reserved for new companies. The lack of a cash welcome bonus is the one clear downside compared with competing offers that sometimes tempt with a one-off bonus — here the value has to be counted in fee savings spread across the first two years, not in a single deposit to the account.