Data checked 23 September 2026
Choosing a business account as a freelancer or sole trader in Poland often comes down to fees, sign-up bonuses and how much information a bank actually publishes. This month’s comparison looks at four accounts aimed at self-employed people, ranked by a fixed set of published weights.
The scores range widely. Some providers publish clear fee structures and bonus terms, which pushes their score up. Others leave key figures unpublished, and that gap counts against them rather than being filled in with guesswork.
The order below is fixed and reflects the published scores only. Readers should check each provider’s own terms before deciding, since conditions can change.
PKO BP — Konto firmowe za 0 zł
PKO BP’s Konto firmowe za 0 zł holds the top score in this comparison, with a clear fee structure and a published sign-up offer.
- Monthly fee
- PLN 0
- Card fee / month
- not published
- Sign-up bonus
- up to PLN 5,000
- Offer ends
- not published
Why it ranks here
- Monthly fee of PLN 0
- Sign-up bonus of up to PLN 5,000 advertised by the provider
- Highest score among the accounts compared, at 9.2/10
Watch out for
- The sign-up bonus is described as up to a maximum amount, so the exact conditions for reaching that figure should be checked in PKO BP’s terms.
mBank — Konto firmowe dla firm do 12 miesięcy
mBank’s Konto firmowe dla firm do 12 miesięcy offers a straightforward no-fee structure for the period named in the product.
- Monthly fee
- PLN 0
- Card fee / month
- PLN 0
- Sign-up bonus
- not published
- Offer ends
- not published
Why it ranks here
- Monthly account fee of PLN 0
- Card fee of PLN 0 per month
- Score of 7/10, reflecting published fee details
Watch out for
- The product name suggests the fee-free terms may apply for a limited period; readers should confirm the exact duration and what applies afterwards in mBank’s terms.
Pekao — Konto Biznes z Żubrem
Pekao’s Konto Biznes z Żubrem scores low in this comparison mainly because several figures are not published.
- Monthly fee
- not published
- Card fee / month
- not published
- Sign-up bonus
- up to PLN 200
- Offer ends
- not published
Why it ranks here
- Sign-up bonus of up to PLN 200 is advertised
Watch out for
- The score of 1.7/10 is low largely because monthly fee and other cost details are not published; this should not be read as evidence of hidden charges, simply that the information is not available here.
- Readers should check Pekao’s terms directly for the fee structure before comparing it properly with the other accounts.
Revolut — Revolut Business – Grow
Revolut Business – Grow publishes a clear monthly fee but still scores low overall in this comparison.
- Monthly fee
- PLN 175
- Card fee / month
- not published
- Sign-up bonus
- not published
- Offer ends
- not published
Why it ranks here
- Monthly fee of PLN 175 is clearly published
Watch out for
- The score of 1.7/10 is low despite the published fee, which suggests other figures such as bonuses or card costs are not published; readers should check Revolut’s terms for the full picture.
- This account carries a monthly fee, unlike some others in this list that report no fee.
Side by side
| # | Product | Monthly fee | Card fee / month | Sign-up bonus | Offer ends | Score |
|---|---|---|---|---|---|---|
| 1 | PKO BP — Konto firmowe za 0 zł | PLN 0 | not published | up to PLN 5,000 | not published | 9.2 |
| 2 | mBank — Konto firmowe dla firm do 12 miesięcy | PLN 0 | PLN 0 | not published | not published | 7 |
| 3 | Pekao — Konto Biznes z Żubrem | not published | not published | up to PLN 200 | not published | 1.7 |
| 4 | Revolut — Revolut Business – Grow | PLN 175 | not published | not published | not published | 1.7 |
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 (monthly + card)45%
- Sign-up bonus ("up to" counts half)30%
- Known conditions25%
Questions
What does the score for each account mean?
The score is calculated from a fixed set of published weights covering fees, bonuses and other terms. A lower score usually means the provider has not published some of the figures used in the comparison, not necessarily that the account is worse in every respect.
Are any of these business accounts free to run?
Some providers publish a monthly fee of zero, such as PKO BP and mBank, while Revolut publishes a fixed monthly fee. Pekao’s monthly fee is not published here, so this should be confirmed directly with the provider.
Can the ranking change if I qualify for a different offer?
The ranking reflects the published scores for the specific accounts listed and does not change based on individual circumstances. Readers should check each provider’s terms to see whether other offers or conditions might apply to them.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
