Business accounts: Poland

Updated 5 October 2026

An honest assessment before work starts, the quote is fixed in writing.

Poland is Central Europe's largest economy and an EU country with its own currency, the zloty. Banks are supervised by the Polish Financial Supervision Authority, and a business account is opened for a Polish company: capital is paid into it and taxes are paid from it. For a foreigner the Polish resident identification number (PESEL) is key: without it signing documents online and using banking services remotely is harder.

A Polish company and the account

A limited liability company is registered online through the state registration system. The state fee for online registration is PLN 250, about $64, and the minimum capital is PLN 5,000, about $1,280. Only people with a PESEL can sign online with the free state electronic signature; others need a paid qualified signature. Non-EU foreigners without special status may run a business in Poland only through companies, not as sole traders. More in company registration in Poland.

Company taxes

• Corporate income tax is 19% at the standard rate and 9% for small companies.
• Distributions to owners are taxed separately, so we plan payouts before registration.

More on our Poland taxes page. The zloty rate is the European Central Bank rate of 5 October 2026.

What the bank checks

• company registration and beneficial owner details;
• passports and addresses of management board members;
• activity, clients and payment countries;
• the origin of the capital.

Many banks sign the company account agreement only in a branch, even if the application was filed online, so we plan a representative's visit.

Currency and payments

A Polish company keeps its books and pays taxes in zloty, while EU clients are easier to settle in euros. So two accounts are usually opened at once, in zloty and euros, and contracts and invoices are prepared in advance for large incoming payments.

Documents

• a state register extract and the company agreement;
• passports of board members and owners;
• the company's tax number;
• a business description and proof of source of funds.

How the account opening works

1. Company. We register the limited liability company online.
2. Signature. We arrange a qualified electronic signature if you have no PESEL.
3. Bank. We choose a bank and file the application.
4. Visit. A representative signs the account agreement in a branch.
5. Capital. We pay in the capital and start operating.

Personal account and the zloty

Polish banks open personal accounts in zloty and other currencies. Residents with a PESEL can bank remotely, while non-residents are more often asked to open the account in a branch. The zloty floats, so for EU payments a euro account is also convenient.

Why applications are refused

• the company has no activity in Poland;
• an opaque ownership structure or unclear source of funds;
• links to sanctioned countries;
• the representative cannot visit the branch to sign.

What we do

We register the company, help with the electronic signature, choose the bank, prepare documents and support the branch visit. A manager will calculate the cost in the chat.

What we do

• Corporate account - opening assistance

See also

Company formation · Personal account · Investment property · Country taxes · All country programs

FAQ