The Best Multi-Currency Business Accounts in Poland in 2026

What does a business currency account do?

A business currency account lets you keep foreign revenue available for later expenses, rather than converting every receipt immediately into Polish złoty at the bank’s rate.

For a Polish manufacturer invoicing a German customer in euros, retaining EUR can fund euro materials without converting the same money into PLN and back again.

Separate bank accounts and a wallet with several balances can both do this, although receiving instructions, card access and deposit protection differ between the two arrangements.

For a single overseas supplier bill, use international business money transfers to compare the conversion and payout cost before adding another account to your business.

Compare the specialist accounts and Polish banks

The specialist services below support Polish businesses, while the bank accounts can retain foreign balances alongside local banking services rather than requiring an overseas company.

Separate currency accounts and euro SEPA payments

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mBank

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Overseas collection alongside Polish banking

9.2

Wise

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"Wise Business is used by 300,000+ businesses each year. Easy integrations with Xero, QuickBooks, FreeAgent and more are available."

Company cards and predictable monthly activity

8.6

Revolut

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Foreign sales revenue used for supplier orders

8.7

WorldFirst

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"WorldFirst helps growing businesses control cross-border costs with forward contracts and tailored FX solutions. Manage 40+ currencies and make international payments with specialist support on-hand."

Small-business foreign balances and linked currency spending

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ING

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mBank keeps euro receipts within Polish business banking

mBank’s mBiznes currency account supports ten currencies, including EUR, USD, GBP and CHF, with separate accounts rather than one balance that holds every currency together.

I think the euro account is worth considering for regular trade within Europe, because online SEPA transfers cost nothing under the currency-account tariff and do not require conversion.

The standard monthly charge applies to each currency, so opening occasional-use accounts for several markets can cost more than retaining only the balances your business regularly spends.

Accounts opened through the currency platform have a qualifying twelve-month maintenance waiver, with renewal available on request after the required exchange activity within that period.

My suggestion is to separate that conditional waiver from the standard PLN10 tariff, especially when a company retains foreign earnings but rarely converts money through the platform.

Wise collects overseas invoices without a monthly plan

Wise Business can hold more than forty currencies, making it useful for a Polish consultancy paid abroad that still uses a Polish bank for domestic obligations.

Receiving coverage is narrower than holding coverage, so choose the instructions matching each invoice and distinguish an eligible local receipt from a chargeable international wire.

New PLN receiving details are currently unavailable, although existing customers can keep theirs, so I would not open Wise expecting a new domestic złoty collection account.

If your American client can send a local dollar payment, compare that route with its wire alternative before estimating how much of the invoice remains available.

My suggestion is to retain enough foreign revenue for known expenses and convert the remainder for PLN needs, rather than leaving every invoice exposed to exchange-rate movements.

Revolut combines company spending with subscription allowances

Revolut Business suits a Polish company that regularly uses several currencies and wants employees to spend from supported balances through physical or virtual business cards.

Its monthly plans include different FX and transfer allowances, which means the lowest subscription can become more expensive when the company exceeds its normal activity limits.

I suggest comparing a typical month of supplier payments and employee spending with Grow before paying for Scale’s larger allowances or relying on Basic’s small conversion limit.

Card delivery and additional SWIFT cost options can increase the bill, so I suggest including those charges when comparing the subscription with a Polish bank account.

Receiving instructions should also be checked inside the business application, because a personal customer’s Polish account details do not establish what your company will receive.

WorldFirst links Polish collections with international stock purchases

WorldFirst’s Polish business account can retain EUR or USD earnings, provide a local Polish IBAN and connect overseas collections with payments to international suppliers.

For a Polish seller buying stock abroad, that can keep the purchase currency available between marketplace settlement and the next order without creating an overseas company.

Its World Card can spend supported retained currencies, while supplier payouts cover a wider currency and country list than the collection accounts available to your business.

The Polish product page and the broader European tariff use different payment-price presentations, so obtain the transaction quote for your company’s route rather than combining the two.

My suggestion is to evaluate the account using the currency retained from sales and the supplier’s actual receiving instructions, with card cashback treated separately from the cost of payment.

ING connects small-business currency balances with a spending card

ING offers eleven currency accounts for small businesses, including EUR, USD and GBP, with a PLN business account required first when you are a new customer.

A supported business card can link to currency accounts and debit an available matching balance, which can help an entrepreneur use euro receipts for euro purchases.

The small-business tariff should be matched to your legal structure, because a larger company’s corporate banking agreement does not automatically carry the same account and payment charges.

I suggest comparing the extra account fee with the currency you actually retain, particularly when you only have a few euro receipts and occasional overseas spending.

Keeping several ING currencies open adds separate monthly costs, while the linked card is most useful when supported purchases can draw on money already held in that currency.

Keep local banking and foreign collections separate in your comparison

A Polish account holding euros and a US account number collecting dollars solve different problems, so start with the route your customer can actually use.

A EUR balance at mBank or ING does not automatically provide domestic US payment details, while a specialist wallet’s foreign accounts do not establish every Polish banking feature.

Before replacing your PLN account, check the tax-payment, payroll and domestic collection services your company uses, together with whether statements meet your accountant’s reconciliation needs.

For Wise, the current pause on new PLN details is particularly relevant when domestic customers expect złoty bank instructions alongside your foreign invoice collections.

WorldFirst’s local Polish IBAN can meet a different receiving need, but the account operator and protection still differ from a direct deposit with a Polish bank.

Calculate the cost of spending money you already earned

Holding and spending the same currency can remove an exchange, but account maintenance, incoming wires and outward payments can still make retained revenue expensive to use.

For example, compare a month of EUR client receipts and euro supplier bills using account charges and SEPA fees before comparing the provider’s advertised conversion price.

If the company needs several employee cards, add per-user tools and delivery charges, then calculate any conversion triggered when a matching balance is insufficient.

Currency retention also changes the PLN value of your cash, so keep domestic liabilities funded and avoid treating a foreign balance as a guaranteed saving.

Understand whose protection applies to your balance

Eligible deposits at mBank and ING fall under Poland’s BFG arrangements, generally up to the złoty equivalent of €100,000 per depositor at each bank.

Separate currencies and accounts at the same bank share that limit, with qualifying company deposits included and exclusions applying to certain financial and public-sector entities.

Revolut Business deposits are with Revolut Bank UAB, where the Lithuanian scheme generally protects eligible deposits up to €100,000 across the depositor’s accounts at that bank.

Wise and WorldFirst use safeguarding arrangements, which separate relevant customer funds from operating money and should be assessed differently from insurance on a direct bank deposit.

How to open a business currency account

When foreign revenue needs to pay an overseas supplier, compare the transfer cost before moving money out of your business account.

Frequently asked questions