Konto firmowe mBiznes Standard (z otwarciem firmy)

mBiznes Standard business account (with company registration) – review

The mBiznes Standard account in the "with company registration" variant is mBank's business account offer for people who are just registering a sole proprietorship and want to combine that with opening a business account. It currently runs under the "Załóż firmę i konto z płatnościami od mBanku - edition 1" promotion, from 1 September to 30 November 2026, for people who are not running a business on the day they apply. It is a variant without elaborate add-on packages - the point is a simple, cheap account to start with, not advanced tools for a large company.

Fees and charges

The account maintenance fee is PLN 0 in any month in which you make a transfer of any amount to ZUS from the account or at least PLN 1,000 is paid into it; if neither condition is met, the fee for that month is PLN 19. This is easy to meet for a business that pays ZUS from this account every month anyway, but it is not an unconditional waiver.

For the first 24 months after opening the account under the promotion, online PLN and EUR transfers plus SWIFT and SORBNET are free with no limit, and express transfers cost PLN 0 up to 3 a day. After that, a permanent package of 20 ELIXIR transfers in PLN and 20 SEPA transfers in EUR a month remains, and other fees follow the bank's fee table - worth factoring in if you plan many transfers to contractors.

The account comes with a debit card, such as the Mastercard Debit Business. The first card you choose is free, also after the promotional period. Cash withdrawals are a different story: ATMs in Poland and abroad and BLIK withdrawals are free under the promotion, but only for 24 months from opening the account. After that, ATM fees return to mBank's standard fee table - worth keeping in mind when planning the account for the longer term.

Bonus and additional features

The bank offers a PLN 500 sign-up bonus. The conditions here are single-stage and relatively easy to meet: open an account with a Mastercard Debit Business, Mastercard Business WOŚP, or Mastercard Business WOŚP Mobile card, then make card transactions totalling at least PLN 1,000 within 30 days of signing the agreement. There's no multi-month activity requirement or several separate thresholds to clear one after another – it's a single transactional condition, so at a normal pace of business card spending, the full PLN 500 is realistically achievable without artificially padding your transaction history.

There is, however, a catch regarding the payout itself: the bonus is credited by the end of the month following the month in which the condition is met, and only once the card transactions have been settled. In practice you may wait up to about two months after making the required payments - this is not an instant bonus. The full terms are set out in the "Załóż firmę i konto z płatnościami od mBanku - edition 1" promotion rules; the bank regularly launches new editions of this promotion, so the specific terms and amount may change over time.

Beyond the bonus, the account offers a mobile app, BLIK withdrawals, the option to add the card to Google Pay and Apple Pay, and free issuing and receiving of KSeF invoices directly from the account. Under the promotion you can use mOrganizer in the Optymalna version free for two years and try professional accounting services for PLN 1 a month for 3 months (then PLN 229 net a month). The card supports online and contactless payments.

Who it's for

This account works best for people who are just registering a sole proprietorship and want to do it together with opening a business account. A single application in mBank's online banking registers the business in CEIDG and opens the account; the registration is confirmed with a Profil Zaufany (the bank helps you get one), and the agreement can be signed in a branch or via a courier. It is a convenient option for freelancers, one-person service businesses and first-time founders who do not yet need extensive banking tools.

Pros and cons

• PLN 0 account maintenance with a ZUS transfer or PLN 1,000 inflow in the month
• PLN 500 bonus for a single, simple transactional condition (card transactions of at least PLN 1,000 within 30 days)
• Free Mastercard Debit Business card, with no issuance or maintenance fees
• Free KSeF invoicing and mOrganizer for 2 years, accounting for PLN 1 for 3 months
• Sole proprietorship registration combined with account opening in a single process

• Free ATM withdrawals only for 24 months after opening the account
• Bonus paid up to about two months after the condition is met
• After 24 months only a package of 20 PLN and 20 EUR transfers a month is free

Summary

The mBiznes Standard account (with company registration) is a solid option for people starting their first business - it combines company registration with opening an account, can be run for PLN 0 with a ZUS transfer or PLN 1,000 of monthly inflows, and offers a PLN 500 bonus for a single, easy transactional condition. Keep in mind, though, that some benefits, such as unlimited free transfers and free ATM withdrawals, only last 24 months, and you may wait up to about two months for the bonus itself.