Cheapest business account in Poland — 2026 ranking

The "cheapest" business account is not the one with the biggest "PLN 0" banner, but the one with the lowest total cost for how you use it. Below we compare accounts on real fees — maintenance, transfers and the card — and explain how to calculate which one will actually be cheapest for you.

How to calculate the "cheapest" account

Add up four items per month, based on how you actually operate: the maintenance fee (with or without meeting the conditions), the cost of transfers (including express and ZUS/US payments), the card fee, and any currency cost if you invoice abroad. Only that sum shows the real cost — the "PLN 0" slogan alone means little.

Business account comparison

The full set of accounts in our comparison. Sort by what matters to you; verify terms with the provider.

Which account for whom

Few transfers, simple settlements — look for an unconditional PLN 0 maintenance fee. See the free account for a JDG.
Foreign clients / currencies — the rate and SEPA/SWIFT transfers are what count. See the account for an IT contractor.
Not sure — launch the finder and answer 5 questions.

The ranking and presentation of offers are informational. They do not constitute a recommendation or financial advice.

This content is informational and does not constitute financial advice or a recommendation. Verify terms and fees directly with the provider. We may earn a commission if you open an account through the links here.