Ranking of the best accounts for companies – December 2025

Accounts dedicated to companies are still a small segment of the banking offer, and the differences in costs and functionalities can be significant. In the December ranking, we compared basic fees, access to free transfers, cards and ATMs, as well as additional services such as Blik, online currency exchange and promotional interest rates on savings.

Although the number of corporate accounts available on the market is large, offers dedicated to companies are still rare. Only some banks prepare separate accounts for them, for which they provide a price list. Therefore, in our ranking, we analyzed not only the costs of maintaining an account, but also the scope of functionality and the availability of the offer for various types of companies. We have grouped the analyzed factors into two categories, distinguishing four parameters in each of them:

1. Basic charges
for the company account:

• monthly account fee for the company – 2 points are awarded if the account is free without having to meet additional conditions, 1 point if you can get a fee waiver after completing certain activities.
• a pool of free external transfers ordered online – 1 point is awarded if the bank offers a monthly pool of free external transfers ordered via online banking and the mobile application.
• monthly debit card fee – 1 point if the entrepreneur can use the card without meeting additional requirements.
• cost of withdrawing cash from domestic ATMs – 1 point when the bank provides free withdrawals on selected devices.

First, we analyzed the monthly fees for using the company account and using the first debit card issued for this account. Additionally, we also took a closer look at the availability of a pool of free external transfers ordered by entrepreneurs in a mobile application or online banking service and the costs of withdrawing funds from domestic ATMs.

2. Additional features
available for business customers:

• Blik service – 1 point if the service is available.
• a deposit or savings account with a promotional interest rate – 1 point when the customer can use a savings product with a promotional interest rate higher than the market rate.
• MT940 statements – 1 point is awarded if the service is free.
• online currency exchange office – 1 point if the service is available.

We then review the additional features offered as part of the company account. Among them, we paid attention to the availability of the Blik service, promotional interest rates on deposits or savings accounts, MT940 statements and the availability of an online currency exchange office.

Finally, we verified whether the business account offer is available for more than one type of company. If so, we awarded 1 point. The results prepared in this way are presented in the table below.

An account for the company at ING Bank Śląski

It took first place in the December ranking of company accounts ING Bank Śląskigaining a full set of 10 points. As part of a promotion “Account for a company for PLN 0 for 2 years” customers can benefit from a two-year exemption from account maintenance fees in the “Start Package” offer. Every month there is a pool of 15 free transfers available, and once it is used up, the cost of a single transfer is PLN 1.50. The fee for using a debit card may be waived provided that cashless transactions are made for a minimum amount of PLN 500 per month. Free card or Blik withdrawals are available at ATMs of ING Bank Śląski and the Planet Cash network.

An additional advantage of the offer is the promotion “More than Lokata”in which the interest rate on the OKO savings account reaches 4.75 percent on an annual basis. ING Bank Śląski also provides access to the Blik service, an online currency exchange office and free statements in the MT940 format.

An account for the company in mBank

They took second place ex aequo offers mBank and Nest Bankwhich lost one point to the leader. In the case of an account available in the “Account for a company – 2 years for PLN 0” promotion, mBank was rated lower due to the fact that the offer is addressed only to limited liability companies. Nest Bank, on the other hand, does not provide free statements in the MT940 format. In addition, both banks allow free account management for the company, free use of a debit card, withdrawals from selected ATMs in the country and offer a monthly package of free external transfers.

An account for the company at Alior Bank

He was a notch lower Business Plan Account from portfolio Alior Bankwho scored 8.5 points. Maintaining an account may be free of charge provided that at least four transactions are made with a company debit card a month or a transfer is made to ZUS or the tax office. The customer can also benefit from exemption from the monthly debit card fee and receives a package of free transfers. Additionally, Alior Bank was rated 0.5 points for its savings offer, i.e. a deposit with an interest rate of 3.8%. on an annual basis. It fares better than the market standard, although it still remains below the highest available rates.

The partner of the material is ING Bank Śląski.