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Services · Business accounts

Business accounts: Poland

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

We assess your chances against your profile, prepare the compliance file, help you present your source of funds properly and handle communication with the bank until it decides. The final decision always rests with the bank, so no one can guarantee an opening - careful preparation simply improves the odds.

We quote the exact cost for this country after a short consultation: it depends on the bank and your residency. The quote is fixed in writing before work starts.

Fees

ServicePrice
Corporate account - opening assistanceon request

Prices are indicative and cover our work on a typical case. We confirm the exact quote in writing after a short call - you know the final number before we start. Government fees and bank tariffs are billed separately unless explicitly included.

See also

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

FAQ

Can a foreign-owned company open a bank account in Poland?
Yes, and it is one of the more realistic EU options. There is no residency requirement for shareholders or board members of a sp. z o.o., but the bank will want to understand why the business is in Poland: counterparties, an address, expected turnover.
Do I need a PESEL to open a company account?
Not formally, but without a PESEL many banks close the online route and ask the signatory to come to a branch with a passport. With a PESEL and a Polish phone number the process is noticeably smoother.
What else do Polish banks need besides company registration?
The KRS, NIP and REGON numbers, the articles, beneficial owner details and the CRBR beneficial ownership filing, plus a description of the activity. If the company is VAT registered, the account also has to appear on the official white list of taxpayers, otherwise Polish counterparties cannot safely pay you amounts above the statutory threshold.
Can a Polish bank refuse a foreign-owned company?
Yes, and it happens regularly when the whole board sits abroad, the activity falls into a higher-risk sector or there is exposure to sanctioned markets. The bank does not have to explain itself; the fallback is another bank or a licensed EU payment institution.

Don’t want to figure this out alone?

We handle the whole process end to end: we assess your company's chances with specific banks, prepare the compliance file and give you honest timelines. Leave your details and a corporate banking expert will get back to you. The first consultation is free.

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