Professional AccountPersonal Account
Inclus dans le forfait de création d’une société
Sinon – 1.000 €
600 €

Bank PKO - Bank Polski

About the bank

PKO Bank Polski or Powszechna Kasa Oszczędności Bank Polski SA, is a Polish bank that provides a range of banking and financial services including; current accounts, mortgage services, insurance services and electronic banking services to local and non-resident customers. The bank is headquartered in Warsaw, Poland, and has more than 1,300 branches, including offices in Germany and the Czech Republic.

PKO Bank Polski is a leading financial institution in the Polish banking sector and currently has more than 29,000 experienced employees.

In 2010, the bank established the PKO Bank Polski Foundation, which focuses on the improvement of culture and society such as education, health and the environment.


Bank Account in Poland



What PKO Bank Polski offers:

  • Current account
  • Financial advisory and brokerage services
  • PKO Insurance
  • PKO Leasing
  • Factoring
  • Pension funds
  • Electronic banking system
  • Mortgage Services
  • equity fund
  • Visa Debit Cards
  • MasterCard Credit Cards
  • Diners Club Cards

Rates and Bank Charges

PKO Bank Polski can be considered as a medium cost bank with regard to inbound/outbound payments and monthly electronic banking maintenance fees. There are no charges for incoming domestic and foreign payments. Outgoing charges for domestic transfers are 1 PLN. For outgoing SEPA payments, the fee will be PLN 5. Foreign payments in EUR, not SEPA will be 40 PLN. Other payments abroad via e-banking (including the US dollar and other currencies) will be 0.2% of the transfer value, not less than PLN 20 and not more than PLN 180. Installation of e-banking services is free of charge, but a monthly fee of PLN 120 will be charged for up to 5 users. The annual debit card fee is PLN 50. The annual fee for the Mastercard credit card is PLN 100.

PLEASE NOTE: Bank rates may change at any time at the bank's sole discretion, so we suggest you contact us or visit the bank's website for updated details on specific fees and charges.

The STARTING BUSINESS professional service fee for assistance in opening a bank account does not include bank fees and commissions, account maintenance fees, transaction fees, initial deposit or minimum balance.


Requirements for setting up a corporate bank account with PKO Bank Polski 

  • Personal presence not required
  • No initial deposit
  • No minimum balance
  • CIS citizens are accepted
  • Account opening time: The account will be activated within 2 working days, upon receipt by the bank of all completed forms and relevant information.

Required documents

For the company:
  • Certificate of Incorporation
  • Memorandum and Articles of Association
  • Documents confirming the appointment of the business leaders and the secretary (if applicable)
  • document confirming the location of the head office
  • Certificate(s) of sharing
  • Certificate of good reputation if the company is more than 12 months old
  • Copy of the corporate structure, identifying the ultimate owner(s) and beneficiary(ies)
  • Valid license (if applicable)
For each director, shareholder, secretary, signing officer and ultimate beneficial owner:
  • Notarized copy of a valid passport.
    The passport must be signed and the signature must match the signature on the application form. The photograph must be clear and of good quality.
  • Original or notarized copy of utility bill / bank statement dated within 3 months as verification of residential address.
  • Original or notarized copy of the banker's reference letter, dated less than 3 months ago.
  • Power of Attorney (if applicable)
  • personal CV
For each corporate officer (where the officers or shareholders of the company are legal entities), please provide:

A set of legalized corporate documents including:

  • Copy of constitutional documents (certificate of incorporation, articles of association, etc.).
  • Copy of the register of companies (which includes the register of shareholders, directors and secretary).
  • Copy the organizational plan.
  • Certificate of good standing.


  • All official documents must be in Apostile format and translated into Polish by a Polish sworn translator.
  • Once all documentation is available, please send electronic copies to our representative for review; incomplete or incomplete forms can cause delays in the account opening process.

If you conduct an activity without the required license or authorization granted by a competent authority in a jurisdiction, STARTING BUSINESS will not be able to assist you with the creation of the business or the opening of a bank account related to such unauthorized activity.

The permitted activities include, but are not limited to: the provision of financial services involving foreign exchange trading/brokerage, derivative financial instruments and commodities and other securities; the provision of investment advice to the public; insurance and banking; the operation and administration of collective investment schemes and mutual funds; payment processing services; money exchange, money transmission or brokerage; asset management; safe custody services; gambling, games of chance and lotteries.

Please contact us if you need our assistance in licensing your financial, Forex brokerage or gaming company.


Shipping business documents or bank kits to your destination requires an additional charge and will be automatically added to your order when you place your order. Shipping charges for international courier services are automatically set according to geographical areas.


Millennium Bank

Bank Millennium in Poland was founded in 1989 as Bank for Economic Initiatives (BIG SA). Since 1992 it has been listed on the Warsaw Stock Exchange.

Eight years later, BIG SA merged with BIG Bank Gdański. A year later, the financial institution in collaboration with Banco Comercial Portugues (Portugal) began working with individuals under the Millennium brand and in 2003 it completely changed its name. Currently, the Portuguese hold 50.1% of the shares.

Millennium Bank is the third largest bank in the country according to the Golden Bank rating and is the holder of several awards including

  • The best Internet bank in the Republic of Poland;
  • The best bank for opening an account online;
  • The best bank in Eastern and Central Europe for corporate responsibility;
  • The best in the security category.


Bank Account in Poland


What are Millennium Bank's banking offers?

Millennium bank operates and provides financial services through an extensive branch network, internet banking. Serves both private customers, as well as legal entities and businesses.

In addition to the bank, Millennium bank Pl deals with leasing (provides professional services for renting various vehicles, real estate), owns a brokerage company, investment funds and participates in charities.

  • current and personal accounts in different currencies;
  • loans (credit cards, cash);
  • leasing services;
  • factoring;
  • mortgages;
  • investment services;
  • Insurance;
  • Internet banking (Millennium bank PL logowanie is actively used by more than 1.5 million individual and 13,000 business customers).

Every customer of the bank benefits from a professional telephone service at any time of the day (TeleMillennium). With the help of a consultant, the customer can obtain detailed information on the bank's products and services, order transactions with his own banking products (opening and closing of an account, activation and closing of accounts, loan applications, various advice and clarifications).

The institution deals with foreign investors. A special line is open, where Millennium Bank PL speaks with its clients in Russian, Ukrainian and other languages.



About Paribas Poland

BNP Paribas has been present in Poland for almost a century.

Société Générale de Banque (now BNP Paribas Fortis) launched its operations in Poland in 1919, when it co-financed industrial investment projects. In the years 1929-1930, Société Générale de Banque granted loans to Państwowy Bank Rolny (now BGŻ). In 1920, the Bank of Paris and the Netherlands (Paribas) began operating in Poland, where it financed, for example, the electrification of the railway network.

In 1990, a representative office of Banque Nationale de Paris was opened in Warsaw and in 1994, BNP-Dresdner Bank (Polska) SA obtained a banking licence as a joint venture between BNP Paribas and Dresdner Bank AG. In June 2001, the bank started to operate as an independent company, owned 100% by BNP Paribas, and changed its name to BNP Paribas Bank Polska. In January 2006, it was transformed into a branch of BNP Paribas.

The BNP Paribas SA branch in Poland cooperates with international companies and the largest companies and institutions in Poland in the field of investment banking. The branch is part of the Corporate and Institutional Banking (CIB) business line, which provides financing, risk management and advisory solutions. In Europe, it is a leader in corporate finance and cash management.

Through its specialised subsidiaries, the BNP Paribas Group also offers other services, including custody, insurance, leasing and fleet management. In May 2009, the BNP Paribas Group was joined by Fortis Bank under the name BNP Paribas Fortis. In May 2011, the bank was renamed BNP Paribas Bank Polska.

In December 2013, BNP Paribas Group and Rabobank reached an agreement on the acquisition of Bank BGZ by BNP Paribas Group. On 15 July 2014, the European Commission approved under the EU Merger Regulation the acquisition of Bank BGZ by BNP Paribas Fortis SA / NV. Subsequently, the BNP Paribas Group received approval from the Polish Financial Supervisory Authority (KNF) for the acquisition of a controlling stake in Bank BGŻ. Bank BGZ thus joined the BNP Paribas Group.

On 30 April 2015, following the entry in the National Court Register, the merger of BNP Paribas Bank Polska SA with Bank BGŻ SA was finalised. From that day on, the bank will operate under a new name: Bank BNP Paribas.


Bank Account in Poland


Benefits of the Optimum Account

How to easily open an account in Poland remotely

To open your account in one of these three remote banks, we will need:

  • Corporate documents of the Polish or foreign company: certificate of incorporation, articles of association, Kbis, etc. certified by an embassy or consulate
  • Identity document or passport for shareholders and directors
  • Criminal Record of Shareholders and Directors
  • We take care of the translation of the documents.