Direct Business Account
and a bonus of up to PLN 4,200 in a special offer
Open a Direct Account for your business
Are you one of our customers?
Not one of our customers?
To open a business account, please provide us with your details.
We will call you back to arrange a meeting with one of our representatives, who will visit you at a time that suits you.
Please provide your details
Provide your details
Ładowanie formularza ...
How does the "Account for PLN 0" promotion work?
As part of this promotion, you can open your first Direct Account for Business in PLN if:
- you are a sole trader
- you do not yet have a business account with ING.
Your benefits
For 24 months from the account opening date, you will not pay the following fees:
- for account maintenance – excluding deposits and withdrawals made at a bank branch
- for online transfers in PLN within Poland
- for online foreign currency transfers in EUR to SEPA countries
- the basic fee for a bank transfer included in the TARGET transfer fee (foreign currency transfer in EUR) – European transfer (excluding the fee for urgent ‘TODAY’ transfers).
You do not need to sign up – all you need to do is open an account whilst the promotion is running. The promotion runs until 30 September 2026.
Deposits and withdrawals
You can deposit and withdraw company cash free of charge at ING Bank Śląski ATMs, as well as at any Planet Cash ATM – even if it bears the logo of a different bank. There are over 5,000 ATMs available throughout Poland.
Otwórz konto firmowe
Ładowanie formularza ...
Your account is ready for KSeF
You download, pay, and issue KSeF invoices on click
Find out how KSeF works in Moje INGUp to PLN 4,200 in a special offer and no start-up costs
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Get a bonus of up to PLN 4,200 for 12 months in the special offer “Make Your First Year Easier”
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First terminal for PLN 0 and no turnover commission for 2 years or a terminal for PLN 0 for 1 year
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ING Pay gateway for PLN 0 for 3 months
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Leasing – get up to PLN 1,000 for fuel and more
How to get a bonus of up to PLN 4,200
- Open a Direct Account for Business. Order and activate your account card.
- Sign up for the promotion – until 30 September 2026.
- Ensure the minimum of PLN 4,000 in your account – at the end of at least one day during each month of the promotion.
- Link your business account to the National e-Invoice System. Activate the ‘KSeF Invoice Payments’ service – you can do this in ‘Services’, under ‘Payments’.
- Pay your ZUS or KRUS social insurance contributions from your business account (min. PLN 300), and we will refund you PLN 100 a month – for 12 months from the date you sign up for the promotion.
- Pay for your order using the ordered card, and we will refund you 10% of the transaction amount – up to PLN 250 per month – for 12 months from the date you sign up for the promotion.
- Check how you are doing.
- We will pay out the rewards to your business account opened as part of the promotion throughout the year – by the 15th working day of each calendar month following your sign up in the promotion.
A terminal for free
Your first terminal for PLN 0 for 2 years
If your business does not yet have a payment terminal, you can take part in the ‘Cashless Poland’ scheme. You do not pay for transactions or the device for 12 months. You will not have to pay the following year either, because ING is giving you the second year for free!
Check the Operating Rules of the ‘Cashless Poland’ Programme
A terminal for PLN 0 for a year
If you already have a terminal, but it was not purchased from us, we have a special offer for you too – a terminal for PLN 0 for 12 months. You can use it for a full year without any terminal usage fees. You pay only commission on transactions.
The ING Pay payment gateway for PLN 0 for up to 12 months
Step into the world of online sales with no upfront costs. Let your customers pay however they like – via BLIK, e-transfer, payment card, Apple Pay and Google Pay, or deferred payments: PayPo, Twisto, PragmaGO or BLIK Pay Later.
You pay no set-up fee and no commissions on transactions in your online shop for up to 12 months – thanks to funding from the ‘Cashless Poland’ Programme, or for the first 3 months as part of a promotional offer.
- The entire amount will be credited to your account the next working day.
- Payments in foreign currencies.
- Quick and easy integration with e-commerce platforms
Leasing from the first day of your business
Enjoy a new company car, even if you are just starting out.
- You can take a car lease as soon as you have set up your business
- You do not need to keep financial records under the simplified schemes
- You will receive a decision online in as little as 24 hours
- The financing value is up to 1.5 million zlotys
- Leasing includes free vehicle registration, 0% commission and a deposit starting from 0%. The scheme covers electric and hydrogen-powered vehicles up to 3.5 tonnes, as well as electric scooters and motorbikes – vehicles classified as BEVs and FCEVs.
- Moreover, you will receive an e-voucher worth up to PLN 1,000. You can use it for fuel, parking fees, motorway tolls, manual car washes or to charge your electric car.
Terms and Conditions of the "Mobility Bonus to Get You Started" Promotion
How to open a Direct Business Account
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1
No Polish citizenship?
Leave us your details. We will call you back to arrange a meeting with our representative, who will come to you at a convenient time.
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2
Our representative will fill in the account application form
and verify your identity using your ID.
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3
We will verify your application
When we activate your business account, we will send you a confirmation text message. You will find your account agreement in Moje ING.
Done, let’s get your business going!
Pobierz aplikację
Opłaty i prowizje
Account and card
| Activity | Fee | Description |
|---|---|---|
| Account maintenance – monthly fee | PLN 0/PLN 19 |
zwith the exception of cash deposits and withdrawals at our branch. We charge an account maintenance fee of PLN 19 after the promotional period has ended if the customer is inactive. |
| Account card – monthly fee | PLN 0/PLN 10 | We charge a fee if the total amount of card payments of the user in a calendar month is less than PLN 300. We charge the fee on the last day of the following month. |
Transfers
| Activity | Fee |
|---|---|
| Internal transfer – to an account held by the same company or to a personal account of the company owner at ING Bank | PLN 0 |
|
A package of 15 domestic bank transfers After the promotional period, we charge a transfer fee of PLN 1.20 for each subsequent transfer in a month, and if the customer is inactive. |
PLN 0/PLN 1.20 |
| Express Elixir and BlueCash express transfers | PLN 10 |
| Transfers to Social Insurance Agency (ZUS) and the Tax Office via online banking | PLN 0 |
|
Package of 15 European (SEPA) bank transfers After the promotional period, we charge a transfer fee of PLN 1.20 for each subsequent transfer in a month, and if the customer is inactive. |
PLN 0/PLN 1.20 |
| Standing order: | |
|
PLN 0 |
|
PLN 1 |
Deposits and withdrawals
| Activity | Fee | |
|---|---|---|
| Cash deposits in PLN at ING Bank Śląski and Planet Cash network deposit machines across the country – by card or using BLIK |
PLN 0 |
|
|
Cash deposits in PLN at our branch made to accounts with ING Bank Śląski |
0.6% of the payment amount and PLN 10 |
|
| Cash withdrawals using a card: | ||
|
PLN 0 |
|
|
PLN 0 | |
|
3.5% of the transaction amount | |
| Cash withdrawals using BLIK: | ||
|
PLN 0 | |
|
PLN 0/PLN 5 | The first BLIK payment processed by the bank in a calendar month is free of charge; each subsequent payment is subject to a fee of PLN 5. |
| Cash withdrawal at a branch in the currency of the account | 0.6% of the withdrawal amount and PLN 10 |
This is an offer for sole proprietorships that use simplified accounting rules and for residential communities. Check out the account offer for companies