I realize this might be a stupid question, but is it OK to keep private funds in my business account at a Polish bank? Because of the current exchange rate, I have been transferring funds from my bank in America and want to keep the new zlotych in a Polish bank.
This isn't against the law in America, but I thought I would check the rules in Poland - thanks!
I could not tell you if it was legal or not but one thing did stand out with your situation. As the money is in a Business account, you might find it hard to explain to the Tax authorities should they ever do an audit on your business. I really dont know how often this happens so i dont want to scare you. As they would see money coming into account they may assume that it is from invoices issued and might be reluctant to believe that it is your personal money.
Is there anything stopping you from opening up a personal PLN/ZLT account?
It depends to a certain extent on what kind of company you have. If you have a limited liability company, you really should keep your personal cash separate from your company's cash. If you have a one-person company, in theory you should keep your personal cash separate from your business cash but in practice the tax office don't care much.
However, with cash you've transferred from overseas, you should probably keep that in a personal account, especially if it is more than a couple of thousand zloty. Otherwise the tax office might ask where this cash came from and why you haven't paid tax on it. You could do without the attention and questions....