Transfers to ZUS, settling debts to a business partner, sending an advance payment for income tax to the tax office or paying rent invoices – the entrepreneur's world is all about transfers. We checked which banks people running their own business can count on unlimited free external transfers.
In the July ranking of the cheapest business accounts, we analyzed bank accounts for entrepreneurs in terms of the price of external transfers (ordered via online or mobile banking). When preparing the quarterly list, we took into account three criteria:
- number of free external internet transfers,
- the fee for each subsequent transfer above the limit set by the bank,
- monthly cost of maintaining a business account.
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If two or more banks offer unlimited external transfers after meeting certain activity conditions (e.g. making transfers to ZUS or US, or ensuring payments to the account for a specified amount), the place in the ranking depends on the amount of the transfer fee in the event of non-fulfilment of the conditions.
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|
Bankier.pl business account ranking – July 2022 |
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|---|---|---|---|---|---|
|
No. |
Bank Name |
Account name |
Number of free external transfers per month |
Internet transfer fee after the pool of free funds has been exhausted |
Maintenance fee |
|
1. |
Alior Bank |
iKonto Business
|
unlimited |
nd |
0 PLN |
|
2. |
Nest Bank |
BIZnest Account
|
unlimited |
nd |
0 PLN |
|
3. |
Santander Bank Poland |
Business Account Worth Recommending
|
unlimited |
nd |
0 PLN |
|
4. |
Post Office Bank |
Business Email Account
|
unlimited |
nd |
0-15 PLN |
|
5. |
BNP Paribas |
Account Open for Business
|
unlimited * |
0.90 PLN – 1.50 PLN |
0-15 PLN |
|
6. |
Credit Agricole |
Business Account
|
unlimited ** |
1 PLN |
0 PLN |
|
7. |
ING Bank Śląski |
Direct Account for Business
|
unlimited *** |
1.20 PLN |
0-19 PLN |
|
8. |
Toyota Bank |
Business Account
|
1,000 |
3 PLN |
15 PLN |
|
9. |
Volkswagen Bank |
PLUS Business Account
|
500 |
1 PLN |
10 PLN |
|
10. |
Millennium Bank |
My Business Account
|
20 |
1 PLN |
0 PLN |
|
11. |
Pekao Bank |
Business Advantage Account
|
15 |
1.50 PLN |
0 PLN |
|
12. |
mBank |
mBusiness Standard
|
10 |
1.50 PLN |
0 PLN |
|
13. |
PKO Bank Polski |
PKO Business Account
|
10 |
1 PLN |
0-12 PLN |
|
14. |
BOS Bank |
Flexible Account Savings Rate
|
5 |
1.50 PLN |
0 PLN |
|
Source: Bankier.pl own study based on information provided by banks, as of 01.07 financial product comparison website www.bankier.pl/smart * with total revenues of at least PLN 100,000 per month ** after meeting the activity requirement, i.e. making at least 1 transfer to ZUS or US; total inflows to the account of PLN 2,000 per month *** after meeting the activity requirement |
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The parameters of business accounts presented in the table above take into account current bank promotions, e.g. the possibility of using the account free of charge for 24 months.
Dominika Florek
