BIZnest Konto

BIZnest Konto by Nest Bank – business account without a monthly fee

BIZnest Konto is Nest Bank's business account offer designed for entrepreneurs looking for an account with no recurring monthly fees and free outgoing transfers. It works well both for sole proprietors and smaller companies that don't want to pay just to hold an account – but as the promotion's terms show, businesses that settle in euros will get the most value out of it.

Fees and charges

Maintaining the BIZnest Konto is completely free - the fee for the first account is PLN 0, with no extra conditions (the bank does not require, for example, minimum inflows or a number of transactions to avoid the fee). All online domestic Elixir transfers, including to ZUS and the tax office, are also free (PLN 0), a significant advantage over accounts where such transfers are charged once a monthly limit is exceeded. Instant transfers are charged, but the first 5 a month are free for active customers (inflows of at least PLN 5,000 and a payment to ZUS or the tax office). Each additional PLN account costs PLN 15 a month.

The account comes with a business Visa card for BIZnest Konto, which costs nothing to issue and use (first card, PLN 0). Cash withdrawals by card are less favourable: domestic ATMs are free only in the Euronet network, while other ATMs in Poland cost PLN 6 per withdrawal. Abroad, an ATM withdrawal also costs PLN 6 regardless of the amount. BLIK withdrawals are free at all ATMs that support them.

Bonus and additional features

Nest Bank advertises BIZnest Konto with a bonus of up to PLN 3,000, but the fine print matters: this is not a standard bonus for opening the account and making a few transfers - it is tied entirely to euro activity. Under the "Zyskaj do 3000 zł premii za wymianę i saldo w euro" promotion (join by 30 November 2026, for customers without a BIZnest Konto since 1 January 2026) you also need to open a BIZnest Konto Waluta in EUR, and then you can earn: up to PLN 1,000 for currency exchanges between the PLN and EUR accounts within three full months (from PLN 50 at EUR 10,000 to PLN 1,000 at EUR 200,000) and up to PLN 2,000 for the average balance on euro accounts over those three months (from PLN 50 at EUR 5,000 to PLN 2,000 above EUR 200,000). In other words, it is a bonus for businesses that already exchange large amounts and hold funds in euros, not a universal incentive for every new customer. For a business without euro turnover, the realistically achievable amount will be well below the headline PLN 3,000, possibly zero.

Beyond the bonus, BIZnest Konto offers a set of features useful in running a business day to day: a mobile app and online banking, a currency account with an online currency exchange (which makes sense given the currency promotion above) and contactless card payments, also by phone or watch (e.g. Apple Pay, Google Pay, Garmin Pay).

Who it's for

BIZnest Konto works best for businesses that regularly settle in euros – importers, exporters or service providers working with foreign counterparties – since only they can realistically capture the full bonus tied to the currency exchange and euro sub-account. For smaller, purely zloty-denominated businesses the account remains attractive mainly thanks to the lack of a maintenance fee and free external transfers, though in that case the promotional bonus is effectively out of reach.

How to open the account

The business account can be opened entirely remotely, via an online application or the app, without visiting a branch. Identity is confirmed in the mObywatel app or with an e-ID card (issued after 4 March 2019) and a video selfie; for applications via the website the bank requires additional verification (a verification transfer, a video call or a branch visit). The account is available to sole traders, companies with multi-person representation and foundations - but before applying it is worth checking the current currency promotion terms to know whether, and to what extent, you can benefit from the bonus.

Summary

BIZnest Konto is a solid choice for businesses looking for a free account with free transfers – on that front, the offer stands on its own without extra conditions. The headline PLN 3,000 bonus is misleading if read without context, though: it's reserved for customers actively exchanging and holding euros, not a universal incentive for every new client. Businesses with no currency turnover should treat the offer as “a free account plus a free card” and view the bonus as a nice extra they likely won't be able to claim in full.