1. Best for a new start
Konto Firmowe Online
For a sole trader looking for online opening, low costs and a strong starting bonus.
- Bonus
- up to PLN 4,500 - verify promotion terms
- Monthly fee
- PLN 0 after terms
- Opening
- Online
online application
Business account rankingFees, bonuses, terms
The best business accounts for Polish sole traders in 2026.
Start with three verified directions for a sole trader. See the cost, bonus and opening method, then continue to the bank in one click.
3 recommendations for sole traders
Choose a scenario and continue to the bank.
We show three strong directions instead of a long list at the start. Always confirm current terms on the bank website before applying.
2. For a new business and invoices
Bank PekaoKonto Biznes z Zubrem
For a new business combining a bonus with invoicing, KSeF and currency support.
- Bonus
- promotion ended - verify current terms
- Monthly fee
- PLN 0 may apply
- Opening
- Partly online
opening process to verify
3. Convenient online banking
ING Bank ŚląskiKonto Direct dla Firmy
For an owner who values straightforward online banking and everyday service.
- Bonus
- promotion to verify
- Monthly fee
- PLN 0 may apply
- Opening
- Online
online application
Erste uses an affiliate link. This does not change the customer price. Other buttons open official bank websites.
After choosing an account
Do not stop at the application. Set the first 30 days of work.
AI for business helps track taxes, invoices, costs and weekly owner decisions. That is the monthly value after the one-time account decision.
Methodology and transparency
The ranking helps you choose, but the final decision is confirmed on the bank website.
We compare fees, bonuses, online opening, terms, bank sources and fit for sole traders, companies, invoices and operations. Affiliate revenue may fund the service, but it does not replace bank terms or clear link disclosure.
Affiliate disclosure
It does not change the bank price and does not bypass terms.
Erste-first, transparently
Erste is highlighted while other banks remain visible.
AI after the decision
AI helps plan 30 days of work; it does not replace the bank or an advisor.
Business account ranking
Highest bonuses
Accounts with the largest bonuses, with requirements shown before the application.
#1best fithighlighted account
Erste Bank Polska
Konto Firmowe Online
Erste Bank Polska is worth checking before you apply: fees, online opening, currency options and a bonus up to PLN 4,500 and current business terms.
Bonus
up to PLN 4,500 bonus
Monthly fee
PLN 0 after meeting terms
Opening
online
Currencies
currency account
onlineup to PLN 4,500 bonuscurrency accountterms before decision
#2worth comparing
BNP Paribas
Konto Otwarte na Biznes
BNP Paribas is worth checking before you apply: fees, online opening, currency options and a bonus up to PLN 5,000 and current business terms.
Bonus
up to PLN 5,000 bonus
Monthly fee
some fees can be reduced
Opening
partly online
Currencies
currency account
partly onlineup to PLN 5,000 bonuscurrency accountterms before decision