My Alior bank business account is free.
Which one, please? The "Earning" account? They seem to have withdrawn it.
My ING account is great, I do get charged 7-9zl a month if i don't use my business card for over 300zl. Otherwise I have no problem and it was simple to open
I'll look into it, thanks.
The Alior Earning account, the one which was probably meant in Post 12, is no longer available despite being shown on their English website. All they now have is Partner which is only free if you're doing 2500zl of business each month and putting the credits through your account. Otherwise it's 25zl each month. For some people, that's going to be just fine. For newcomers with uncertain income, it's likely to be another 300zl to find each year while you establish yourself. (The now discontinued Earning account and Partner, apparently Alior's cheapest, as advertised in Polish only English translation
At Alior Bank, we focus on partnership in business. You do not pay for maintaining the account, even a buck, it is sufficient that Alior Bank will be your main bank. This is trust for the trust. We do not charge for domestic online transfers (Elixir / ZUS / Tax Office), and also for cash withdrawals at ATMs located at Bank Branches. Additionally, you can enjoy a rich package of assistance completely free of charge.
PKO has an 18-months for free account called Biznes Debiut 18. The form is all in Polish. After month 9, your average balance has to be 500zl.
It asks for a Poland ID card number but also gives the option of entering a foreign passport number instead.
ING has a conditionally free account called Konto Direct dla Firmy
Again, the form is all in Polish and additionally it seems to introduce an additional obstacle of asking for a Poland ID card - a mandatory field to complete. The account is free if active or 2000zl is put through it each month.
A banker told me that people do use their private account for small business use and receiving payments, but that it is "an offence" technically and officially prohibited.