PKO Konto Firmowe

PKO Konto Firmowe review

PKO Konto Firmowe is a standard business current account from PKO Bank Polski. It's aimed mainly at sole traders and small businesses looking for an account that can be run fee-free, combined with a large welcome bonus that is split across several conditions tied to other PKO products.

Fees and charges

The account maintenance fee ranges from PLN 0 to PLN 12 per month, depending on how long the business has been running and account activity. The bank waives the fee unconditionally for the first 6 months for businesses that have been operating for less than 12 months. Otherwise, the fee-free condition is incoming transfers of at least PLN 2,000 in the previous month; if it is not met, the fee is PLN 12 per month. The bank also offers an alternative "PKO Konto Firmowe za 0 zł" promotion (PLN 0 with marketing consents active), but it cannot be combined with the up-to-PLN-5,000 bonus described below.

External transfers cost between PLN 0 and PLN 1.10: in the bonus variant a package of 10 transfers in iPKO online banking and 10 in the IKO app per month is free, and each transfer outside the package costs PLN 1.10. Transfers to ZUS and the tax office are free but count towards the package.

The account comes with a multi-currency debit card (the fee table lists, among others, the PKO Visa Business Electron). The card fee ranges from PLN 0 to PLN 10 per month - the bank waives it if you make at least 5 cashless transactions with the card in a billing cycle. Withdrawals at PKO BP ATMs are free, while other ATMs in Poland and abroad cost 3.5% of the amount, minimum PLN 5 - the card does not offer unconditional free withdrawals outside PKO BP ATMs. Real costs therefore only appear with frequent use of other ATMs, especially abroad - card transactions themselves carry no extra charges beyond the card fee.

Bonus and additional features

The headline bonus for new clients is up to PLN 5,000, but that is the sum of several independent rewards - collecting the full amount requires using several PKO products at once, not just the account itself:

• The largest share, up to PLN 3,600, is a 5% cashback on cashless (card) transactions paid with the Visa card linked to the business account. The condition is making at least PLN 2,000 in card transactions in each of the three months following account opening - the cashback is capped at PLN 1,200 per month, which adds up to PLN 3,600 over three months. This realistically requires regular, fairly intensive card spending over a full quarter, not a one-off transaction.
• PLN 500 for signing a leasing agreement with PKO Leasing worth at least PLN 50,000 net and collecting the leased item - a condition that requires an actual investment decision, not something easy to satisfy without a genuine leasing need.
• PLN 500 for signing a long-term rental agreement with PKO Masterlease (also at least PLN 50,000 net) and collecting the item - similarly requires a specific business decision.
• PLN 100 for purchasing PKO Firma insurance with a premium of at least PLN 500, paid either in one lump sum or in instalments.
• PLN 300 for keeping e-Accounting active with a chosen accounting package for three consecutive months after account opening, while paying at least two invoices for that package from the business account at the standard price.

Bottom line: the headline "up to PLN 5,000" is the sum of five separate thresholds, only some of which (the card cashback and e-Accounting) are realistically achievable without extra financial commitments - leasing and long-term rental in practice require a decision to finance equipment or a fleet worth at least PLN 50,000, so for many small businesses without such a need, the realistically achievable amount is closer to PLN 4,000 (card cashback + insurance + e-Accounting) rather than the full PLN 5,000. The card cashback alone (up to PLN 3,600) accounts for 72% of the whole advertised bonus - it's the piece that determines whether the promotion is worth pursuing at all for a given business, not the smaller PLN 100 insurance or PLN 300 e-Accounting thresholds, which are easier to meet but far smaller in value.

The account also comes with a set of digital features: iPKO online banking and the IKO app, BLIK withdrawals and payments, the PKO dealer online currency exchange and e-Księgowość (provided by PKO BP Finat) in iPKO. The bonus promotion runs until 31 October 2026 (or until the bonus pool runs out) and is for sole traders with revenue up to PLN 15 million who had no business account at PKO between 1 September 2025 and 30 June 2026; you also need to order a card, give marketing consents and log in to the IKO app within 3 months.

Who is it for

PKO Konto Firmowe works best for sole traders and small businesses that are either just starting out (benefiting from 6 months of unconditional fee-free maintenance) or have been operating longer and maintain regular monthly inflows of at least PLN 2,000. It's also a good fit for businesses with high card spending - regular, monthly business expenses in the low thousands of złoty paid by card will unlock the largest share of the bonus. Businesses planning to lease equipment or a fleet, or looking for insurance and online accounting in one place, can additionally benefit from the remaining bonus thresholds - but shouldn't treat the full PLN 5,000 as guaranteed without such plans. Opening the account requires a valid ID card or Polish passport; new customers can confirm their identity remotely in the mObywatel app.

Summary

PKO Konto Firmowe is a solid, flexible account for small businesses with a realistic chance of fee-free maintenance - especially in the first year of operation or with regular monthly inflows above PLN 2,000. The advertised bonus of up to PLN 5,000 looks attractive on paper, but it's worth approaching it realistically: it's the sum of five independent conditions, two of which (leasing, long-term rental) require specific financial decisions worth tens of thousands of złoty, not just opening the account. For a business paying regularly by card and using the bank's e-Accounting, the realistically achievable bonus is closer to PLN 4,000 than the full PLN 5,000.