Data checked 25 September 2026
This comparison looks at business current accounts marketed in Poland with no monthly fee. All six providers advertise a headline fee of PLN 0, but the small print differs on card costs, sign-up bonuses and what happens if account conditions are not met.
The order below follows published scores from Money Shortlist, not our own opinion. A lower score usually means a provider publishes fewer figures about fees or bonus conditions, which counts against it rather than suggesting hidden charges.
Readers should check each provider’s current terms before opening an account, since bonus offers and conditions can change.
Erste — Konto Firmowe Online
Erste’s Konto Firmowe Online tops the list with a score of 10/10, combining a PLN 0 monthly fee with one of the larger sign-up bonuses in this comparison.
- Monthly fee
- PLN 0
- Sign-up bonus
- up to PLN 4,500
- Offer ends
- 30 September 2026
Promotion terms: PDF
Why it ranks here
- Monthly fee is PLN 0
- Sign-up bonus is up to PLN 4,500, available until 30 September 2026
Watch out for
- The fee waiver depends on conditions such as those described in „za prowadzenie konta firmowego, za prowadzenie każdego konta walutowego, za 10 pierwszych przelewów natychmiastowych BlueCash w miesiącu, za przelewy internetowe Elixir w złotych (z wyłączeniem transakcji w systemie Przelew24), za przelewy SEPA przez internet w formie polecenia wypłaty w EUR do krajów EOG innych niż Polska, za wypłaty BLIKIEM z bankomatów w Polsce, za pierwszą kartę debetową Visa Business Debit lub Mastercard Business Debit, za wypłaty z bankomatów w Polsce i na świecie (pod warunkiem wyrażenia i utrzymania zgód marketingowych)”, including maintaining marketing consents
- The bonus itself requires meeting the conditions in „Przelew do ZUS min. 100 zł, min. 5 płatności kartą/BLIK (min. 50 zł każda), wpływ na konto min. 5000 zł w każdym miesiącu”, such as a minimum ZUS transfer and minimum monthly inflow
Nest Bank — BIZnest Konto
Nest Bank’s BIZnest Konto scores 9.2/10 and stands out for making the first account free without extra conditions attached.
- Monthly fee
- PLN 0
- Card fee / month
- PLN 0
- Sign-up bonus
- up to PLN 3,000
- Offer ends
- 30 November 2026
- Fee if conditions not met
- PLN 15
- Card currency conversion
- 4.9%
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Monthly fee is PLN 0 and the card fee is PLN 0
- The provider states in „Bezpłatne bezwarunkowo za prowadzenie pierwszego rachunku.” that the first account is free unconditionally
- Sign-up bonus is up to PLN 3,000, available until 30 November 2026
Watch out for
- If conditions are not met on other aspects of the account, a fee of PLN 15 applies
- Card currency conversion is charged at 4.9%
Credit Agricole — Konto SOLISTA Biznes
Credit Agricole’s Konto SOLISTA Biznes shares the second-place score of 9.2/10 and offers the largest sign-up bonus in this comparison.
- Monthly fee
- PLN 0
- Card fee / month
- PLN 0
- Sign-up bonus
- up to PLN 13,000
- Fee if conditions not met
- PLN 15
- Card currency conversion
- 4%
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Monthly fee is PLN 0 and the card fee is PLN 0
- Sign-up bonus is up to PLN 13,000
Watch out for
- The fee waiver applies only under the conditions in „0 zł, jeśli w poprzednim miesiącu kalendarzowym wykonałeś co najmniej 1 przelew do ZUS lub zapewniłeś wpływy na konto w wysokości minimum 3 000 zł”, such as a ZUS transfer or a minimum monthly inflow
- If conditions are not met, a fee of PLN 15 applies, and card currency conversion is charged at 4%
PKO BP — Konto firmowe
PKO BP’s Konto firmowe scores 9/10, with a straightforward fee structure but a card that carries its own monthly charge.
- Monthly fee
- PLN 0
- Card fee / month
- PLN 10
- Sign-up bonus
- up to PLN 5,000
- Offer ends
- 31 October 2026
- Fee if conditions not met
- PLN 12
Fees supplemented from the provider’s fee table: PDF · Promotion terms: PDF
Why it ranks here
- Monthly fee is PLN 0
- Sign-up bonus is up to PLN 5,000, available until 31 October 2026
Watch out for
- The card carries a separate monthly fee of PLN 10, and if conditions are not met the account fee becomes PLN 12
- The fee waiver depends on the marketing consent described in „aktywna zgoda na marketing elektroniczny i telefoniczny banku oraz podmiotów współpracujących z PKO BP”, and the bonus cannot be combined with other promotions per „Promocje nie łączą się: „Zyskaj 0 zł za prowadzenie konta lub 5000 zł premii” (pkobp.pl/firmy/konta/konto-firmowe).”
Pekao — Konto Biznes z Żubrem
Pekao’s Konto Biznes z Żubrem scores 7.8/10, offering a free card but a comparatively small sign-up bonus.
- Monthly fee
- PLN 0
- Card fee / month
- PLN 0
- Sign-up bonus
- up to PLN 200
- Offer ends
- 31 December 2026
- Fee if conditions not met
- PLN 15
- Card currency conversion
- 2%
Fees supplemented from the provider’s fee table: PDF · Promotion terms: PDF
Why it ranks here
- Monthly fee is PLN 0 and the card fee is PLN 0
- Offer ends 31 December 2026
Watch out for
- Sign-up bonus is up to PLN 200, notably lower than other accounts in this list
- The fee waiver depends on the several alternative conditions in „bezpłatne jeśli: aktywne zgody marketingowe ORAZ (wpływ min. 2000 zł/mies. LUB przelew do ZUS LUB firma <12 mies. LUB organizacja non-profit)”, and if none are met a fee of PLN 15 applies
- Card currency conversion is charged at 2%, and the bonus requires meeting the detailed conditions in „Zawarcie umowy o konto i kartę, wyrażenie zgód marketingowych, złożenie oświadczenia. Warunki szczegółowe: przelew do ZUS min. 300 zł, transakcje kartą min. 1000 zł/mies., obsługa terminala min. 1000 zł/mies., uruchomienie kredytu min. 100 000 zł lub spłata leasingu/faktoringu.”
mBank — Konto Standard z gwarancją
mBank’s Konto Standard z gwarancją scores 7.5/10, the lowest in this comparison, mainly because it publishes fewer figures than the others.
- Monthly fee
- PLN 0
- Card fee / month
- PLN 0
Why it ranks here
- Monthly fee is PLN 0 and the card fee is PLN 0
Watch out for
- mBank does not publish a sign-up bonus amount or an offer end date for this account, which readers should check directly with the provider
- No published figure is available for what happens if account conditions are not met, so this should also be confirmed with the provider
Side by side
| # | Product | Monthly fee | Card fee / month | Sign-up bonus | Offer ends | Score |
|---|---|---|---|---|---|---|
| 1 | Erste — Konto Firmowe Online | PLN 0 | not disclosed | up to PLN 4,500 | 30 September 2026 | 10 |
| 2 | Nest Bank — BIZnest Konto | PLN 0 | PLN 0 | up to PLN 3,000 | 30 November 2026 | 9.2 |
| 3 | Credit Agricole — Konto SOLISTA Biznes | PLN 0 | PLN 0 | up to PLN 13,000 | not disclosed | 9.2 |
| 4 | PKO BP — Konto firmowe | PLN 0 | PLN 10 | up to PLN 5,000 | 31 October 2026 | 9 |
| 5 | Pekao — Konto Biznes z Żubrem | PLN 0 | PLN 0 | up to PLN 200 | 31 December 2026 | 7.8 |
| 6 | mBank — Konto Standard z gwarancją | PLN 0 | PLN 0 | not disclosed | not disclosed | 7.5 |
How we rate this ranking
Each product gets a score out of 10 from the criteria below. Figures come only from the providers’ published pages; anything we could not confirm counts against the score instead of being guessed. Commission never enters the score.
- Fees (card; the monthly fee is 0 for all)50%
- Sign-up bonus ("up to" counts half)25%
- Known conditions25%
Questions
Does a PLN 0 monthly fee mean the account has no costs at all?
Not necessarily. Several providers only waive the fee if certain conditions, such as a minimum inflow or a ZUS transfer, are met each month. Card fees and currency conversion charges can also apply separately.
What happens if I don’t meet a bank’s conditions for a free account?
Some providers publish a specific fee that applies instead, such as those described for Nest Bank, Credit Agricole, PKO BP and Pekao in this comparison. Others, like mBank here, do not publish this figure, so it is worth checking directly.
Are the sign-up bonuses guaranteed?
Bonuses are usually conditional on actions such as minimum transfers, card spending or maintaining marketing consents, as set out in each provider’s own terms. Offers also have end dates and may not combine with other promotions.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
