The best business accounts with a deposit or savings account – February 2026

The “business account for zero” attracts more and more entrepreneurs, but the lack of fees is only part of the offer. In the latest ranking, we check which banks offer not only free account maintenance, but also attractive interest rates on company savings, taking into account all additional conditions and the real possibility of taking advantage of the promotion.

Where is the best place to deposit company financial surpluses for 3 months? We checked this using the example of the amount of PLN 100,000. PLN that the company owner wants to safely “park” in front of the planned investment. In our ranking, we focused on two priorities: low fees for maintaining a business account and the highest possible interest rate on the deposit. We have selected the most advantageous options in each bank. We took a closer look at both term deposits and savings accounts.

BIZnest Account for PLN 0 at Nest Bank and 6.6% for savings

He became the leader of the ranking Nest Bank. As part of its offer, entrepreneurs can use: BIZnest Accountswhich is unconditionally free. Since zero account maintenance costs result from the standard price list and not from a temporary promotion, customers are guaranteed no fees regardless of the length of cooperation with the bank. Additionally, customers will not pay for the first debit card or online transfers, including to ZUS and US. No fees are permanent and without any conditions.

In the package Nest Bank is available BIZnest Savings Account with a special interest rate of 6.6 percent. annually for the first 90 days for amounts up to PLN 25,000. zloty. For the surplus above PLN 25,000 PLN up to PLN 200 thousand PLN, the bank offers an interest rate of 5.1%. on an annual basis. In the case of higher amounts, but up to PLN 400,000. PLN, the interest rate is 2%. The special interest rate applies if the client opens the BIZnest Savings Account for the first time and actively uses the BIZnest Account, i.e. ensures at least 5 thousand PLN and will use it at least 3 transactions (card, BLIK or transfer). These conditions must be met in two periods – until the 30th day from opening the savings account and from the 31st to the 60th day. If these conditions are not met or if you previously have a BIZnest Savings Account, the interest rate will be reduced to 2%. on an annual basis.

Free account at VeloBank and 5.75% on a savings account

VeloBank took second place in the comparison. As part of a promotional campaign “VeloKonto Firma with a convenient benefits package” new business customers are exempt from account maintenance fees for the first year. After this time, the rates in accordance with the standard fee table will apply.
When it comes to increasing capital, entrepreneurs can count on 5.75%. per year on a savings account available in the “Interest rate on the VeloKonto Firma account” promotion. The special interest rate is available for 92 days up to a deposit amount of PLN 500,000. zloty. To take advantage of this interest rate, two activity conditions must be met: ensure an influence of min. 7 thousand PLN and perform at least 5 non-cash transactions a month

Free account at Alior Bank and 3.8%

He took third place in the ranking Alior Bank. Entrepreneurs can use the free one iAccounts Business available in the bank's standard offer.

Additionally, business customers have the opportunity to use a deposit for new funds with an interest rate of 3.80%. on an annual basis. Deposits are non-renewable, and new funds mean the surplus of money on company settlement accounts, auxiliary accounts, deposit accounts and term deposits accumulated at the bank, compared to their balance as at November 30, 2025.