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Business accounts for companies (sp. z o.o.)

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.

Data from official sources No login · no KYC We do not sell placement
How we verify data · How we make money · Order: alphabetical, not a ranking
Data freshness: 90% data points verified within the last 30 days (164/183)
Accounts for companies · 13 pozycji
We show business accounts available to companies (sp. z o.o., s.c. and other forms). Some banks open a company account only at a branch, while a sole trader can do it online - check "Opening" in the comparison. Every value is sourced; we are not an intermediary.
Filters
Quick picks for foreigners:
Airwallex
Multicurrency account
Multicurrency fintech
🇬🇧 United Kingdom / 🇦🇺 AustraliaFintech
Safeguarding (EMI - not a deposit guarantee) what’s this?
📱 Online (no branch)💱 PLN · EUR · USD · GBP
App language: 🇬🇧🇫🇷🇯🇵🇰🇷🇵🇹🇨🇳🇪🇸 · 7 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: Check with the provider
✓ Available in PL 🏢 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.

Alior Bank
Universal bank
🇵🇱 PolandBank
Deposit guarantee what’s this?
📱 Partly online💱 Currency accounts; multi-currency card
App language: 🇬🇧🇵🇱🇷🇺🇺🇦 · 4 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 150 zł / month
✓ Available in PL 🏢 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.

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: 29 zł / month
✓ Available in PL 🏢 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.

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💱 EUR · USD · GBP
App language: 🇵🇱🇬🇧 · 2 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: Start 0 zł
✓ Available in PL 🏢 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.

mBank
Universal bank
🇵🇱 PolandBank
Deposit guarantee what’s this?
📱 Online (no branch)💱 Currency accounts / multi-currency service
App language: 🇵🇱🇬🇧 · 2 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 25 zł / month
✓ Available in PL 🏢 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.

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.

Revolut
Multicurrency account
Multicurrency fintech
🇱🇹 LithuaniaFintech
Safeguarding (EMI - not a deposit guarantee) what’s this?
📱 Online (no branch)💱 Over 25 currencies
App language: 🇬🇧🇧🇬🇭🇷🇨🇿🇩🇰🇳🇱🇫🇮🇫🇷🇩🇪🇬🇷🇭🇺🇮🇹🇯🇵🇱🇻🇱🇹🇳🇴🇵🇱🇵🇹🇷🇴🇷🇺🇸🇰🇪🇸🇸🇪🇺🇦 · 24 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: from PLN 50/mo.
✓ Available in PL 🏢 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) - a 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)💱 PLN · EUR · USD · GBP · CHF
App language: 🇵🇱🇬🇧 · 2 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 30 zł / month
✓ Available in PL 🏢 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.

VeloBank
Universal bank
🇵🇱 PolandBank
Deposit guarantee what’s this?
📱 Online (no branch)💱 Auxiliary currency accounts (30 zł/month in VeloKonto Biznes); VeloKantor exchange; currency list to be confirmed
App language: 🇵🇱 · 1 langs
🪪 PESEL: Check with the provider · 🛂 Residence permit: check
Account fee: 49 zł / month
✓ Available in PL 🏢 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.

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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WTP Finance is informational only. We do not broker contracts, handle funds or provide financial advice. Always verify the terms with the provider.