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Business accounts for sole traders (JDG)

WTP Finance · independent comparison service

Business accounts for entrepreneurs in Poland

Accounts for companies and sole traders (JDG) - including foreign entrepreneurs. Key difference: a Polish bank settles taxes (ZUS, tax office, VAT account, PL IBAN), while a fintech (EMI) usually does not - great for multi-currency and FX, but it won't replace a bank for tax obligations. Many entrepreneurs have BOTH. Every value is sourced; we are not an intermediary.

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How we verify data · How we make money · Order: alphabetical, not a ranking
Data freshness: 95% data points verified within the last 30 days (189/199)
Accounts for sole traders (JDG) · 14 pozycji
We show business accounts available to a sole trader (JDG) - including foreign entrepreneurs. A Polish bank settles ZUS/tax-office payments, has a VAT account and a Polish IBAN; a fintech (EMI) usually does not - great for multi-currency/FX, but it won't replace a bank for tax obligations. Every value is sourced; we are not an intermediary.
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Quick picks for foreigners:
Alior Bank
Universal bank
🇵🇱 PolandBank
Deposit guarantee what’s this?
📱 Partly online💱 PLN · EUR · USD · GBP · SEK +1
App language: 🇬🇧🇵🇱🇷🇺🇺🇦 · 4 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 0 zł
✓ Available in PL 🏢 JDG
● Verified: 2026-06-19
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Directly with the provider - you do not open an account with us. The link may be an affiliate link.

Bank Pekao
Universal bank
🇵🇱 PolandBank
Deposit guarantee what’s this?
📱 Online (no branch)💱 Currency and auxiliary accounts in 17 currencies
App language: 🇵🇱🇬🇧🇺🇦 · 3 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 0 zł / mo
✓ Available in PL 🏢 JDG
● Verified: 2026-06-19
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Directly with the provider - you do not open an account with us. The link may be an affiliate link.

Bank Pocztowy
Universal bank
🇵🇱 PolandBank
Deposit guarantee what’s this?
📱 Check with the provider
App language: 🇬🇧🇵🇱🇺🇦 · 3 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 0 zł / mo
✓ Available in PL 🏢 JDG
● Verified: 2026-06-19
Go to

Directly with the provider - you do not open an account with us. The link may be an affiliate link.

BNP Paribas
Universal bank
🇵🇱 PolandBank
Deposit guarantee what’s this?
📱 Online (no branch)💱 EUR · USD · GBP · CHF · AUD +10
App language: 🇵🇱🇬🇧 · 2 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 0 zł / mo
✓ Available in PL 🏢 JDG, Companies
● Verified: 2026-06-19
Go to

Directly with the provider - you do not open an account with us. The link may be an affiliate link.

Credit Agricole
Universal bank
🇵🇱 PolandBank
Deposit guarantee what’s this?
📱 Partly online💱 PLN · EUR · USD · GBP
App language: 🇬🇧🇵🇱🇺🇦 · 3 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 0 zł
✓ Available in PL 🏢 JDG
● Verified: 2026-06-19
Go to

Directly with the provider - you do not open an account with us. The link may be an affiliate link.

Erste
Universal bank
🇵🇱 PolandBank
Deposit guarantee what’s this?
📱 Check with the provider💱 PLN · EUR · USD · GBP · CHF +11
App language: 🇵🇱🇬🇧🇷🇺🇺🇦 · 4 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 0 zł / mo
✓ Available in PL 🏢 JDG, Companies
● Verified: 2026-06-19
Go to

Directly with the provider - you do not open an account with us. The link may be an affiliate link.

ING
Universal bank
🇵🇱 PolandBank
Deposit guarantee what’s this?
📱 Partly online
App language: 🇵🇱🇬🇧 · 2 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 0 zł
✓ Available in PL 🏢 JDG
● Verified: 2026-06-19
Go to

Directly with the provider - you do not open an account with us. The link may be an affiliate link.

mBank
Universal bank
🇵🇱 PolandBank
Deposit guarantee what’s this?
📱 Online (no branch)
App language: 🇵🇱🇬🇧 · 2 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 0 zł / mo
✓ Available in PL 🏢 JDG
● Verified: 2026-06-19
Go to

Directly with the provider - you do not open an account with us. The link may be an affiliate link.

Millennium
Universal bank
🇵🇱 PolandBank
Deposit guarantee what’s this?
📱 Online (no branch)💱 PLN · EUR · USD · GBP · CHF
App language: 🇵🇱🇬🇧 · 2 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 0 zł
✓ Available in PL 🏢 JDG
● Verified: 2026-06-19
Go to

Directly with the provider - you do not open an account with us. The link may be an affiliate link.

Nest Bank
Universal bank
🇵🇱 PolandBank
Deposit guarantee what’s this?
📱 Online (no branch)💱 EUR · USD · GBP · CHF · CZK +5
App language: 🇵🇱 · 1 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 0 zł / mo
✓ Available in PL 🏢 JDG, Companies
● Verified: 2026-06-19
Go to

Directly with the provider - you do not open an account with us. The link may be an affiliate link.

PKO Bank Polski
Universal bank
🇵🇱 PolandBank
Deposit guarantee what’s this?
📱 Online (no branch)💱 Auxiliary currency account in up to 19 currencies + multicurrency card
App language: 🇵🇱🇬🇧🇷🇺🇺🇦 · 4 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 0 zł / mo
✓ Available in PL 🏢 JDG, Companies
● Verified: 2026-06-19
Go to

Directly with the provider - you do not open an account with us. The link may be an affiliate link.

UniCredit
EU bank
🇧🇪 BelgiumBank
Belgian deposit guarantee scheme (Garantiefonds, Belgium) up to EUR 100,000 - this is a Polish BRANCH of a Belgian bank (UniCredit NV/SA), NOT the Polish BFG; the bank is not supervised by the KNF what’s this?
📱 Online (no branch)💱 By default PLN + VAT account; auxiliary currency accounts for an extra fee (opening 25/15 zł, maintenance 10/5 zł by package)
App language: 🇵🇱🇬🇧 · 2 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 0 zł
✓ Available in PL 🏢 JDG
● Verified: 2026-06-19
Go to

Directly with the provider - you do not open an account with us. The link may be an affiliate link.

VeloBank
Universal bank
🇵🇱 PolandBank
Deposit guarantee what’s this?
📱 Online (no branch)💱 EUR · USD · GBP · CHF · DKK +8
App language: 🇵🇱 · 1 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 0 zł / mo
✓ Available in PL 🏢 JDG
● Verified: 2026-06-19
Go to

Directly with the provider - you do not open an account with us. The link may be an affiliate link.

Wise
Multicurrency account
Multicurrency fintech
🇧🇪 BelgiumFintech
Safeguarding (EMI - not a deposit guarantee) what’s this?
📱 Online (no branch)💱 Bank details for receiving in 22 currencies
App language: 🇬🇧🇨🇿🇳🇱🇫🇷🇩🇪🇭🇺🇮🇹🇯🇵🇵🇱🇵🇹🇷🇴🇷🇺🇨🇳🇪🇸🇹🇷🇺🇦 ID, ZH-HANT, TH · 19 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 0 zł / mo
✓ Available in PL 🏢 JDG, Companies
● Verified: 2026-06-19
Go to

Directly with the provider - you do not open an account with us. The link may be an affiliate link.

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