Ranking of the cheapest business accounts without time limits – November 2025.

Ashley Davis20/11/2025

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2025-11-20 11:10

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2025-11-20 11:10

Some banks offer business accounts “for PLN 0”, but the fee exemption is often valid only for the first year or two after signing the contract. We checked which accounts for entrepreneurs actually remain free permanently and which ones incur additional costs after some time. Additionally, we also took a closer look at debit card fees, transfers and ATM withdrawals.

Business accounts with no hidden fees. Check the latest ranking — photo by Sergii Kozia / / Shutterstock

Not every business account is equally profitable. The offers vary in terms of monthly fees and the rules for calculating them. To facilitate the comparison of available products for entrepreneurs, we have prepared a list of business accounts presenting key costs in the long term. The position in the ranking was determined based on the following criteria:

monthly fee for using a business account from the 1st to the 12th month after opening the account,
monthly fee for using a business account from the 13th to the 24th month after opening the account,
monthly fee for using a business account from the 25th month after opening the account,
monthly fee for your first debit card issued to a company account,
number of free external transfers per month ordered in electronic banking (mobile application and website) from 1st to 12th month after opening the account,
number of free external transfers per month ordered in electronic banking (mobile application and website) from the 13th to the 24th month after opening the account,
number of free external transfers per month ordered in electronic banking (mobile application and website) from the 25th month after opening the account,
fees for each subsequent external online transfer after using the pool of free transfers,
cost of withdrawing funds from domestic ATMs.

The position of a given offer in the table is determined by the parameters listed in the given order – from the account maintenance fee to the cost of withdrawing funds from domestic ATMs.

Ranking of the cheapest business accounts without time limits

Ranking of the cheapest business accounts without time limits – November 2025.
No.	Bank and account name	Fee for using the account [m-c]			Monthly fee for a payment card	Number of free external transfers per month			Fee after using the free pool	Withdrawing funds from domestic ATMs
No.	Bank and account name	from 1-12 months	from 13-24 months	from the 25th month	Monthly fee for a payment card	from 1-12 months	from 13-24 months	from the 25th month	Fee after using the free pool	Withdrawing funds from domestic ATMs
1.	Nest Bank	0 PLN			0 PLN	unlimited				0 – 6 PLN
1.	BIZnest Account SUBMIT AN APPLICATION ON THE BANK'S WEBSITE	0 PLN			0 PLN	unlimited				0 – 6 PLN
2.	BNP Paribas	0 PLN			0 PLN	from 20-40 to unlimited			another PLN 1.50/pcs.	0 – 1.5%, min. PLN 10
2.	Konto Otwarte na Biznes SUBMIT AN APPLICATION ON THE BANK'S WEBSITE	0 PLN			0 PLN	from 20-40 to unlimited			another PLN 1.50/pcs.	0 – 1.5%, min. PLN 10
3.	mBank	0 PLN			0 PLN	10 transfers			each additional PLN 1.50/pcs.	0-5 PLN / 3%, min. PLN 10
3.	mBiznes Standard account SUBMIT AN APPLICATION ON THE BANK'S WEBSITE	0 PLN			0 PLN	10 transfers			each additional PLN 1.50/pcs.	0-5 PLN / 3%, min. PLN 10
4.	Alior Bank	0 PLN			PLN 0*	unlimited				0 – 3% min. 5 PLN
4.	iAccount Business SUBMIT AN APPLICATION ON THE BANK'S WEBSITE	0 PLN			PLN 0*	unlimited				0 – 3% min. 5 PLN
5.	Santander Bank Polska	0 PLN			0 – 7 PLN	unlimited				0 – 1.5% min. 5 PLN
5.	Online Business Account SUBMIT AN APPLICATION ON THE BANK'S WEBSITE	0 PLN			0 – 7 PLN	unlimited				0 – 1.5% min. 5 PLN
6.	BOŚ Bank	0 PLN			PLN 3 – 8	5 transfers			each additional PLN 1.50/pcs.	0 – 3.5% min. PLN 10
6.	Flexible Account Savings Tariff COMPARE OTHERS CONT. OFFERS	0 PLN			PLN 3 – 8	5 transfers			each additional PLN 1.50/pcs.	0 – 3.5% min. PLN 10
7.	ING Bank Śląski	0 PLN	0 PLN	0 – 19 PLN	0 – 10 PLN	unlimited				0 – 10 PLN
7.	Direct account for the company SUBMIT AN APPLICATION ON THE BANK'S WEBSITE	0 PLN	0 PLN	0 – 19 PLN	0 – 10 PLN	unlimited				0 – 10 PLN
8.	Citi Handlowy	0 PLN	0 PLN	0 – 20 PLN	0 PLN	unlimited		60 transfers	another PLN 1.50/pcs.	0 PLN
8.	CitiKonto for Business SUBMIT AN APPLICATION ON THE BANK'S WEBSITE	0 PLN	0 PLN	0 – 20 PLN	0 PLN	unlimited		60 transfers	another PLN 1.50/pcs.	0 PLN
9.	Bank Millennium	0 PLN	0 PLN	0 – 20 PLN	0 – 6 PLN	unlimited		20 transfers	each additional PLN 1/pc.	0 – 3% min. 5 PLN
9.	My Business Account SUBMIT AN APPLICATION ON THE BANK'S WEBSITE	0 PLN	0 PLN	0 – 20 PLN	0 – 6 PLN	unlimited		20 transfers	each additional PLN 1/pc.	0 – 3% min. 5 PLN
10.	Crédit Agricole	0 PLN	0 – 15 PLN		0 – 9 PLN	unlimited	lack		PLN 1.20/pcs	0 – 3.5% min. 5 PLN
10.	Soloist account SUBMIT AN APPLICATION ON THE BANK'S WEBSITE	0 PLN	0 – 15 PLN		0 – 9 PLN	unlimited	lack		PLN 1.20/pcs	0 – 3.5% min. 5 PLN
11.	PKO Bank Polski	0 – 12 PLN			0 – 10 PLN	10 transfers			each additional PLN 1/pc.	0 – 3.5% min. 5 PLN
11.	PKO Konto Firmowe SUBMIT AN APPLICATION ON THE BANK'S WEBSITE	0 – 12 PLN			0 – 10 PLN	10 transfers			each additional PLN 1/pc.	0 – 3.5% min. 5 PLN
12.	Postal Bank	0 – 15 PLN			PLN 5 – 9	unlimited				0 – 10 PLN
12.	Business Postal Account COMPARE OTHERS CONT. OFFERS	0 – 15 PLN			PLN 5 – 9	unlimited				0 – 10 PLN
13.	Bank Pekao	0 – 15 PLN			0 – 12 PLN	15 transfers			another PLN 1.50/pcs	0 – 2% min. 5 PLN
13.	Business account with Żubrem SUBMIT AN APPLICATION ON THE BANK'S WEBSITE	0 – 15 PLN			0 – 12 PLN	15 transfers			another PLN 1.50/pcs	0 – 2% min. 5 PLN
14.	VeloBank	0 – 25 PLN			0 – 5 PLN	unlimited				0 – 3.5% min. 5 PLN
14.	VeloKonto Firma SUBMIT AN APPLICATION ON THE BANK'S WEBSITE	0 – 25 PLN			0 – 5 PLN	unlimited				0 – 3.5% min. 5 PLN
*	The exemption from the monthly debit card fee is valid until October 31, 2027.
Source: own study by Bankier.pl based on information provided by banks, as of November 6, 2025.

BIZnest Account at Nest Bank

It was at the top of the ranking of the cheapest business accounts without time limits Nest Bank. Offer BIZnest Accounts for entrepreneurs, it is distinguished by the fact that maintaining an account is completely free and does not require meeting any additional conditions or using temporary promotions. The account is part of the bank's regular offer, and the lack of fees is not time-limited. Nest Bank also does not charge a fee for the first debit card issued for the account. Entrepreneurs can freely use free external transfers, carried out both via online banking and the mobile application. Additionally, withdrawals from Euronet ATMs and Blik transactions on all other devices are free of charge. Only in the case of card withdrawals from other ATMs, there is a fee of PLN 6 for each operation.

Konto Otwarte na Biznes at BNP Paribas

New promotion in BNP Paribas allows for temporary exemption from the use fee Konto Otwarte na Biznes and a debit card for the first three years. Every month, customers have a pool of free external transfers at their disposal. Their number depends on the amount of monthly receipts and is 20 for receipts below PLN 20,000. PLN or 40 pieces in the range of PLN 20,000-100,000. zloty. With a total of over 100 thousand PLN entrepreneurs have an unlimited number of free transfers to use.

mBiznes Standard account in mBank

As part of a promotion “Open a business account for PLN 0 – edition 4” at mBank entrepreneurs can open an account mBiznes Konto Standard. An account opened under this special offer is free permanently, without any time limits. Users do not incur costs for maintaining an account or using a debit card. Additionally, they are entitled to 10 free external transfers each month, after which the bank charges a fee of PLN 1.50 for each additional one.

The partner of the ranking is Nest Bank.

The publication contains affiliate links.

Source:Material in collaboration