{"id":12492,"date":"2026-03-18T10:26:30","date_gmt":"2026-03-18T07:26:30","guid":{"rendered":"https:\/\/izibiz.pl\/?p=12492"},"modified":"2026-03-23T19:50:46","modified_gmt":"2026-03-23T16:50:46","slug":"pko-bp-business-account","status":"publish","type":"post","link":"https:\/\/izibiz.pl\/en\/pko-bp-business-account\/","title":{"rendered":"PKO BP Business Account for Foreigners"},"content":{"rendered":"<div class=\"ds-message _63c77b1\">\n<div class=\"ds-markdown\">\n<p class=\"ds-markdown-paragraph\"><a href=\"https:\/\/izibiz.pl\/wp-content\/uploads\/2026\/03\/logo-pko-banku-polskiego-1.jpg\"><img decoding=\"async\" class=\"alignright  wp-image-12355\" src=\"https:\/\/izibiz.pl\/wp-content\/uploads\/2026\/03\/logo-pko-banku-polskiego-1-150x150.jpg\" alt=\"\" width=\"167\" height=\"167\" srcset=\"https:\/\/izibiz.pl\/wp-content\/uploads\/2026\/03\/logo-pko-banku-polskiego-1-150x150.jpg 150w, https:\/\/izibiz.pl\/wp-content\/uploads\/2026\/03\/logo-pko-banku-polskiego-1-300x300.jpg 300w, https:\/\/izibiz.pl\/wp-content\/uploads\/2026\/03\/logo-pko-banku-polskiego-1.jpg 600w\" sizes=\"(max-width: 167px) 100vw, 167px\" \/><\/a>PKO Bank Polski is not just the largest bank in the country \u2013 it is one of the few that offers real solutions for foreigners. When you decide to open a <a href=\"https:\/\/izibiz.pl\/en\/opening-a-bank-account-in-poland-for-foreign-companies\/\">business account for your company<\/a> in Poland, PKO BP is often the most practical and rational choice for non\u2011residents. Let\u2019s break down why PKO BP should be your first consideration, what documents are required to open an account (personal and business), and how much it costs.<\/p>\n<p class=\"ds-markdown-paragraph\"><strong>Spoiler:<\/strong>\u00a0this is the only bank among the top five that has retained the ability to open accounts for non\u2011resident companies, supports sending and receiving transfers to\/from Belarus, and offers the most lenient currency control conditions.<\/p>\n<p class=\"ds-markdown-paragraph\"><em><strong>Restriction!<\/strong> PKO BP does not work with clients from Latvia and Bulgaria.<\/em><\/p>\n\t\t<div data-elementor-type=\"container\" data-elementor-id=\"12467\" class=\"elementor elementor-12467 elementor-12411\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c73731 e-flex e-con-boxed e-con e-parent\" data-id=\"9c73731\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8377990 e-grid e-con-full e-con e-child\" data-id=\"8377990\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1aff056 e-con-full e-flex e-con e-child\" data-id=\"1aff056\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e0a8e4f elementor-widget elementor-widget-heading\" data-id=\"e0a8e4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Are you looking to open a bank account in Poland?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f510c5 elementor-widget elementor-widget-text-editor\" data-id=\"4f510c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Legal services starting from 150 EUR.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e76053 elementor-widget__width-inherit elementor-mobile-align-center elementor-widget-mobile__width-inherit xsa elementor-widget elementor-widget-the7_button_widget\" data-id=\"1e76053\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_button_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\"><a href=\"https:\/\/izibiz.pl\/en\/opening-a-bank-account-in-poland-for-foreign-companies\/#price\" class=\"box-button elementor-button elementor-size-xl\">Order Service<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<p class=\"ds-markdown-paragraph\"><strong>How long does it take to open an account at PKO Bank?<\/strong><\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\">Corporate account for a <a href=\"https:\/\/izibiz.pl\/en\/establish-a-company-in-poland\/\">Polish company<\/a> \u2013 1\u20133 days<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">Corporate account for a non\u2011resident company \u2013 from 7 days<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">Personal account \u2013 1 day<\/p>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3 class=\"ds-markdown-paragraph\">\ud83e\udd47 <strong>Why PKO Bank Polski? 5 Advantages for Non\u2011Residents<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">PKO Bank Polski is a systemically important bank with over 100 years of history, serving more than 12.4 million clients. But for a foreigner, what matters is not the numbers but the concrete possibilities.<\/p>\n<p class=\"ds-markdown-paragraph\"><strong>1\ufe0f\u20e3 Genuine work with non\u2011residents<\/strong><br \/>\nUnlike many banks that claim to work with foreigners on paper but then put them through lengthy compliance processes, PKO BP is among the banks with predictable procedures for non\u2011residents. This is confirmed by the experience of thousands of Ukrainian, Belarusian, and other foreign entrepreneurs who have successfully opened accounts here.<\/p>\n<p class=\"ds-markdown-paragraph\"><strong>2\ufe0f\u20e3 The most lenient currency control<\/strong><br \/>\nFor businesses working with foreign counterparties, this is critical. PKO Bank Polski offers a wide selection of currency accounts (PLN, EUR, USD, GBP and many others, except RUB). The bank takes a lenient approach to confirming source of funds and does not reject payments on contrived grounds as long as you have a transparent business structure and clear contracts.<\/p>\n<p class=\"ds-markdown-paragraph\"><strong>3\ufe0f\u20e3 The only bank with transfers to\/from Belarus<\/strong><br \/>\nThis is a unique advantage that sets PKO BP apart from all other Polish banks. As of today, it is the\u00a0<strong>only major bank<\/strong>\u00a0that has maintained correspondent relationships and the technical capability to make transfers to Belarus and receive payments from that country. For businesses connected to the Belarusian market, this is often a decisive factor.<\/p>\n<p class=\"ds-markdown-paragraph\"><strong>4\ufe0f\u20e3 Ability to open a business account remotely by power of attorney<\/strong><br \/>\nFor legal entities, PKO BP offers a flexible procedure. After obtaining pre\u2011approval and passing KYC, the account can be opened remotely \u2013 using a notarised power of attorney (<em>pe\u0142nomocnictwo<\/em>). This means that a management board member does not have to fly to Poland in person, saving time and money.<\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"ds-markdown-paragraph\">\ud83d\udcbc <strong>Opening a Business Account for a Company (sp. z o.o. \/ JDG)<\/strong><\/h2>\n<p class=\"ds-markdown-paragraph\">PKO BP actively works with corporate non\u2011resident clients and has clear procedures for foreign companies.<\/p>\n<p class=\"ds-markdown-paragraph\"><strong>Company documents (corporate package)<\/strong><\/p>\n<div class=\"ds-scroll-area ds-scroll-area--show-on-focus-within _1210dd7 c03cafe9\">\n<table>\n<thead>\n<tr>\n<th>Document<\/th>\n<th>Requirements<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ud83d\udcc4\u00a0<strong>KRS Extract<\/strong><\/td>\n<td>Current<\/td>\n<\/tr>\n<tr>\n<td>\ud83d\udcdc\u00a0<strong>Umowa sp\u00f3\u0142ki (company articles)<\/strong><\/td>\n<td>Notarial deed or printout from S24<\/td>\n<\/tr>\n<tr>\n<td>\ud83d\udd22\u00a0<strong>NIP, REGON<\/strong><\/td>\n<td>Confirmation of number assignment<\/td>\n<\/tr>\n<tr>\n<td>\ud83d\udc65\u00a0<strong>List of Beneficiaries (UBO)<\/strong><\/td>\n<td>Information on ultimate beneficial owners (verified with CRBR)<\/td>\n<\/tr>\n<tr>\n<td>\ud83d\udcde\u00a0<strong>Polish SIM card<\/strong><\/td>\n<td>A phone number from a Polish operator<\/td>\n<\/tr>\n<tr>\n<td>\ud83d\udcca\u00a0<strong>Business Description<\/strong><\/td>\n<td>Information on planned turnover, counterparties, countries of operation<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>&nbsp;<\/p>\n<p class=\"ds-markdown-paragraph\"><strong>Documents of company representatives (management board members \/ shareholders)<\/strong><\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\">Valid passport (for all authorised signatories) or ID card for EU citizens<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">Residence card (<em>karta pobytu<\/em>) \u2013 not mandatory<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>PESEL number \u2013 not mandatory<\/strong><\/p>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3 class=\"ds-markdown-paragraph\">Ways to open a business account<\/h3>\n<p class=\"ds-markdown-paragraph\"><strong>1. Personal visit of the director (standard procedure)<\/strong><br \/>\nAfter preparing the complete set of documents and undergoing pre\u2011screening (KYC), a meeting is scheduled at the branch. The director signs the documents in person. Decision time: 1 to 3 days.<\/p>\n<p class=\"ds-markdown-paragraph\"><strong>2. \ud83d\udcc4 Remotely by power of attorney (key advantage of PKO BP!)<\/strong><br \/>\nIf a personal visit is impossible, PKO BP allows remote account opening:<\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\">The bank conducts a preliminary document review and gives consent (pre\u2011approval 3\u20135 days).<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">The director executes a specimen signature card and a notarial power of attorney (<em>pe\u0142nomocnictwo notarialne<\/em>) for a representative in Poland before a notary (or at a consulate).<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">The notarised documents and power of attorney are sent to the bank, where they are reviewed by the legal department (1\u20133 days).<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">The account is opened without the director\u2019s personal presence.<\/p>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3 class=\"ds-markdown-paragraph\">\ud83d\udc64 <strong>Opening a Personal Account (<em>konto osobiste<\/em>) for a Foreigner<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\"><strong>Who can open?<\/strong>\u00a0A foreigner legally present in Poland can open an account with PKO BP. Having a PESEL number is not strictly mandatory, but it significantly simplifies the process.<\/p>\n<p class=\"ds-markdown-paragraph\"><strong>Documents for an individual<\/strong><\/p>\n<div class=\"ds-scroll-area ds-scroll-area--show-on-focus-within _1210dd7 c03cafe9\">\n<table>\n<thead>\n<tr>\n<th>Category<\/th>\n<th>Documents<\/th>\n<th>Note<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ud83e\udeaa\u00a0<strong>Identity document<\/strong><\/td>\n<td>Passport (for non\u2011EU citizens) or EU ID card<\/td>\n<td>Mandatory<\/td>\n<\/tr>\n<tr>\n<td>\ud83c\udfe0\u00a0<strong>Proof of address in Poland<\/strong><\/td>\n<td>Apartment lease agreement, employer certificate, registration confirmation (<em>meldunek<\/em>)<\/td>\n<td>Recommended<\/td>\n<\/tr>\n<tr>\n<td>\ud83d\udd22\u00a0<strong>PESEL<\/strong><\/td>\n<td>PESEL number (if available)<\/td>\n<td>Greatly simplifies the process but is not mandatory<\/td>\n<\/tr>\n<tr>\n<td>\ud83d\udcde\u00a0<strong>Polish SIM card<\/strong><\/td>\n<td>Phone number from a Polish operator<\/td>\n<td>Required for app activation and transaction confirmation<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>&nbsp;<\/p>\n<p class=\"ds-markdown-paragraph\"><strong>Ways to open a personal account<\/strong><\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\">\ud83d\ude80\u00a0<strong>Online (fastest method)<\/strong><br \/>\nIf you have a Polish ID (<em>e-dow\u00f3d<\/em>) and the mObywatel app, you can open PKO Konto za Zero in 5 minutes via the IKO app.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">\ud83c\udfdb\ufe0f\u00a0<strong>In a branch (for foreigners without Polish ID)<\/strong><br \/>\nIf you do not have a Polish identity document, a personal visit to a branch with your passport is required. In major cities (Warsaw, Krak\u00f3w, Wroc\u0142aw), English\u2011speaking and Russian\u2011speaking staff are available.<\/p>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2 class=\"ds-markdown-paragraph\">\ud83d\udcb0\u00a0<strong>Service Tariffs<\/strong><\/h2>\n<p class=\"ds-markdown-paragraph\">Exact fees depend on the chosen package and the current pricing schedule. Approximate figures for 2026 are provided below.<\/p>\n<p class=\"ds-markdown-paragraph\"><strong>For individuals (PKO Konto za Zero)<\/strong><\/p>\n<div class=\"ds-scroll-area ds-scroll-area--show-on-focus-within _1210dd7 c03cafe9\">\n<table>\n<thead>\n<tr>\n<th>Service<\/th>\n<th>Cost<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Account maintenance<\/td>\n<td>0 PLN (conditions: at least 1 card transaction per month)<\/td>\n<\/tr>\n<tr>\n<td>Card issuance and maintenance<\/td>\n<td>0 PLN<\/td>\n<\/tr>\n<tr>\n<td>Internal bank transfers<\/td>\n<td>0 PLN<\/td>\n<\/tr>\n<tr>\n<td>Transfers to other banks (Elixir)<\/td>\n<td>0 PLN (within the package)<\/td>\n<\/tr>\n<tr>\n<td>Cash withdrawals at PKO BP ATMs<\/td>\n<td>0 PLN<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>&nbsp;<\/p>\n<p class=\"ds-markdown-paragraph\"><strong>For legal entities (<em>Rachunek bie\u017c\u0105cy dla firm<\/em>)<\/strong><\/p>\n<div class=\"ds-scroll-area ds-scroll-area--show-on-focus-within _1210dd7 c03cafe9\">\n<table>\n<thead>\n<tr>\n<th>Service<\/th>\n<th>Approximate Cost<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Account maintenance<\/td>\n<td>from 0 to 49 PLN\/month (depends on package and turnover)<\/td>\n<\/tr>\n<tr>\n<td>Elixir transfers<\/td>\n<td>approx. 0.50 PLN \u2013 1 PLN (may be free in some packages)<\/td>\n<\/tr>\n<tr>\n<td>SEPA \/ foreign transfers<\/td>\n<td>individual, depends on amount and currency<\/td>\n<\/tr>\n<tr>\n<td>Currency accounts (EUR, USD, GBP)<\/td>\n<td>often included in the package or for an additional fee<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p class=\"ds-markdown-paragraph\"><em>Exact figures must be confirmed in the bank\u2019s tariff schedule at the time of opening.<\/em><\/p>\n<p>&nbsp;<\/p>\n<p class=\"ds-markdown-paragraph\">\u2705 <strong>Conclusion: Why Choose PKO BP<\/strong><\/p>\n<p class=\"ds-markdown-paragraph\">PKO Bank Polski is the optimal choice for a foreigner seeking a stable, predictable bank with extensive capabilities:<\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\">\u2714\ufe0f Works with non\u2011residents (both individuals and legal entities)<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">\u2714\ufe0f Lenient currency control and straightforward AML procedures<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">\u2714\ufe0f\u00a0<strong>The only bank with transfers to\/from Belarus<\/strong><\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">\u2714\ufe0f Ability to open a business account remotely by power of attorney<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">\u2714\ufe0f Convenient IKO mobile app (for personal accounts)<\/p>\n<\/li>\n<\/ul>\n<p class=\"ds-markdown-paragraph\">The key is to approach document preparation seriously and provide all requested information to the bank upfront. Then the account opening will proceed smoothly and quickly.<\/p>\n<p class=\"ds-markdown-paragraph\"><strong>Need help opening an account at PKO BP or another Polish bank?<\/strong> Contact us \u2013 we will prepare the documents, conduct a KYC consultation, and help you open an account even in complex cases! \ud83d\ude80<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>PKO Bank Polski is not just the largest bank in the country \u2013 it is one of the few that offers real solutions for foreigners. When you decide to open a business account for your company in Poland, PKO BP is often the most practical and rational choice for non\u2011residents. Let\u2019s break down why PKO&hellip;<\/p>\n","protected":false},"author":1,"featured_media":12355,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[80],"tags":[],"class_list":["post-12492","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-service","category-80","description-off"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PKO Bank Polski for Non-Residents: Account Opening Guide<\/title>\n\n\n<link rel=\"
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