Choosing a business account for a sole trader requires analyzing fees after promotional periods and the conditions for waiving them. We examine how account maintenance costs and sign-up bonuses work.
Maintenance fees and waiver conditions
Many banks offer 0 PLN for account maintenance, but this often depends on specific requirements. In Pekao Konto Biznes z Żubrem, the fee without meeting conditions is 15 PLN, while in PKO BP Konto firmowe, the fee is 12 PLN if requirements regarding inflows or marketing consents are not met.
Nest Bank BIZnest Konto offers 0 PLN for the first business account in PLN, but subsequent PLN accounts cost 15 PLN per month. In Credit Agricole Konto SOLISTA Biznes, the monthly fee is 0 PLN or 15 PLN, depending on the package.
Sign-up bonuses for new customers
Banks offer bonuses for opening an account. Credit Agricole offers the highest sign-up bonus of up to 13,000 PLN with Konto SOLISTA Biznes. PKO BP Konto firmowe and Pekao Konto Biznes z Żubrem offer sign-up bonuses of up to 5,000 PLN.
Nest Bank BIZnest Konto offers a sign-up bonus of up to 3,000 PLN. Note that receiving a bonus depends on meeting specific conditions, such as card transactions or ZUS transfers; for example, Pekao requires a ZUS transfer of min. 300 PLN and card transactions of min. 1000 PLN/month.
Cards and currency conversion
Monthly card fees for the analyzed products are 0 PLN (Pekao, PKO BP, Nest Bank, Credit Agricole). However, for foreign payments, check the currency conversion fees: 2% in Pekao, 4% in Credit Agricole, and 4.9% in Nest Bank.
Data: banks’ pages and fee tables in our database. General information, not financial advice.
