Edition: Best business account for freelancers — October 2026Updated every month
Short answer: Top pick in our October 2026 ranking: Pekao — Konto Biznes z Żubrem, scored 10/10. Monthly fee PLN 0; sign-up bonus up to PLN 5,000 (offer ends 31 December 2026). We compared 5 products; data checked 1 October 2026. Second place: PKO BP — Konto firmowe za 0 zł (10/10).
Best business account for freelancers — October 2026 ranking
Data checked 1 October 2026
Choosing a business current account as a freelancer in Poland usually comes down to three things: whether the account is truly free, how generous and realistic any sign-up bonus is, and what it costs to use the card abroad. This comparison looks at five accounts aimed at sole traders and ranks them using a fixed set of published weights, so the order below reflects an independent scoring exercise rather than a simple list of features.
Several providers advertise accounts as free of charge, but almost all of them attach conditions – a minimum monthly inflow, a transfer to ZUS, or active use of a card – before the fee is waived. Where a provider does not publish certain figures, such as card costs or bonus terms, that gap is noted rather than guessed at, and it is reflected in a lower score.
Readers should treat this as a starting point for comparison, not a recommendation, and check the current terms on each provider’s website before opening an account.
Pekao — Konto Biznes z Żubrem
Pekao’s Konto Biznes z Żubrem combines a fee-free account with one of the larger sign-up bonuses on this list.
- Monthly fee
- PLN 0
- Card fee / month
- PLN 0
- Sign-up bonus
- up to PLN 5,000
- 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 account fee is PLN 0 and the card fee is PLN 0.
- Sign-up bonus of up to PLN 5,000 is available to those who meet the stated conditions.
- Scored 10/10 in this comparison, the joint highest on the list.
Watch out for
- The fee waiver depends on meeting conditions described as: „wpływy min. 2000 zł lub przelew do ZUS min. 300 zł + zgody marketingowe”.
- The bonus has its own separate conditions, described as: „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.”.
- The offer is due to end on 31 December 2026, and card currency conversion is charged at 2%.
Promotion ended . We checked these figures before that date and they may no longer apply — confirm the current terms with the provider. The next edition will re-rank this list.
PKO BP — Konto firmowe za 0 zł
PKO BP’s Konto firmowe za 0 zł pairs a no-fee account with a bonus of similar size to the top pick.
- Monthly fee
- PLN 0
- Sign-up bonus
- up to PLN 5,000
- Offer ends
- 31 October 2026
Promotion terms: PDF
Why it ranks here
- Monthly fee is PLN 0.
- Sign-up bonus of up to PLN 5,000 is on offer.
- Scored 10/10 in this comparison, matching the top-ranked account.
Watch out for
- The fee-free status depends on meeting the promotion’s conditions, described as: „Spełnij warunki promocji”.
- The bonus has detailed requirements, described as: „Otwarcie konta i zamówienie karty w serwisie iPKO, aplikacji IKO lub na stronie banku; podanie maila i telefonu; aktywacja aplikacji IKO; wyrażenie zgód marketingowych. Warunki premii muszą być spełnione w ciągu 3 miesięcy po otwarciu konta. Do dnia wypłaty premii konto i karta muszą być aktywne, zgody marketingowe ważne, a umowy partnerów (leasing, najem, ubezpieczenie, e-Księgowość) nie mogą być wypowiedziane.”, and the offer ends on 31 October 2026.
- Card fee and currency conversion charges are not published by the provider, so these should be checked directly with the bank.
Credit Agricole — Konto SOLISTA Biznes
Credit Agricole’s Konto SOLISTA Biznes offers the largest headline sign-up bonus on this list, alongside a fee-free account.
- 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 card fee is PLN 0.
- Sign-up bonus of up to PLN 13,000 is the highest among the accounts compared here.
- Scored 9.2/10, just behind the two joint leaders.
Watch out for
- A fee may apply if conditions are not met, described as: „0 zł / 15 zł (możliwa opłata 15 zł)”; the stated fee amount is PLN 15.
- Card currency conversion is charged at 4%, higher than the top two accounts.
Nest Bank — BIZnest Konto
Nest Bank’s BIZnest Konto is a straightforward fee-free account but scores lower due to missing bonus information.
- Monthly fee
- PLN 0
- Card fee / month
- PLN 0
- 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 card fee is PLN 0.
- Scored 7/10, reflecting gaps in published terms.
Watch out for
- A fee of PLN 15 may apply if conditions are not met; the provider’s wording is: „Pierwszy rachunek: 0 zł. Każdy kolejny: 15 zł.”.
- Card currency conversion is charged at 4.9%, the highest on this list.
- No sign-up bonus figure is published for this account, so this should be confirmed with the bank directly.
Promotion ended . We checked these figures before that date and they may no longer apply — confirm the current terms with the provider. The next edition will re-rank this list.
Erste — Konto Firmowe Godne Polecenia
Erste’s Konto Firmowe Godne Polecenia is fee-free in principle but scores lowest here due to several unpublished figures.
- Monthly fee
- PLN 0
- Offer ends
- 30 September 2026
- Fee if conditions not met
- PLN 25
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Monthly fee is PLN 0.
Watch out for
- A fee of PLN 25 applies if conditions are not met, described as: „Przelew do ZUS na min. 200 zł miesięcznie”.
- The offer ends on 30 September 2026.
- Card fee and currency conversion costs are not published, which contributes to the lower score of 7/10; these should be checked with the provider.
Side by side
| # | Product | Monthly fee | Card fee / month | Sign-up bonus | Offer ends | Score |
|---|---|---|---|---|---|---|
| 1 | Pekao — Konto Biznes z Żubrem | PLN 0 | PLN 0 | up to PLN 5,000 | 31 December 2026 | 10 |
| 2 | PKO BP — Konto firmowe za 0 zł | PLN 0 | not disclosed | up to PLN 5,000 | 31 October 2026 | 10 |
| 3 | Credit Agricole — Konto SOLISTA Biznes | PLN 0 | PLN 0 | up to PLN 13,000 | not disclosed | 9.2 |
| 4 | Nest Bank — BIZnest Konto | PLN 0 | PLN 0 | not disclosed | not disclosed | 7 |
| 5 | Erste — Konto Firmowe Godne Polecenia | PLN 0 | not disclosed | not disclosed | 30 September 2026 | 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
Are these business accounts really free to use?
Most of them waive the monthly fee only if certain conditions are met, such as a minimum inflow or a transfer to ZUS. Where a fee applies for not meeting conditions, this is noted against each account.
How reliable are the sign-up bonuses?
Bonuses are usually tied to specific actions, such as activating a card or an app, within a set time frame. The exact wording from each provider is included so the conditions can be checked before relying on a bonus.
Why do some accounts score lower even with a PLN 0 fee?
A lower score often reflects missing published information, such as card costs or bonus terms, rather than a confirmed extra cost. Where this applies, it is stated directly rather than estimated.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
