{"id":12284,"date":"2024-06-02T18:52:11","date_gmt":"2024-06-02T15:52:11","guid":{"rendered":"https:\/\/izibiz.pl\/opening-a-bank-account-in-poland-for-foreign-companies\/"},"modified":"2026-03-22T18:51:28","modified_gmt":"2026-03-22T15:51:28","slug":"opening-a-bank-account-in-poland-for-foreign-companies","status":"publish","type":"page","link":"https:\/\/izibiz.pl\/en\/opening-a-bank-account-in-poland-for-foreign-companies\/","title":{"rendered":"Opening a Bank Account in Poland for Foreign Companies"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12284\" class=\"elementor elementor-12284 elementor-11591\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-61b9164 elementor-section-height-min-height elementor-section-items-stretch elementor-section-content-middle elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default\" data-id=\"61b9164\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9311b54\" data-id=\"9311b54\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e027d20 elementor-widget elementor-widget-heading\" data-id=\"e027d20\" 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\">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-1f0dd96 elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"1f0dd96\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" 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>The pan-European trend of restricting banks&#8217; operations with non-resident clients has also affected the Polish banking sector. These new developments are well known to entrepreneurs conducting business in the Baltic countries (Latvia, Lithuania, Estonia), the Czech Republic, and many other European countries. In these jurisdictions, not only do insurmountable difficulties arise when opening a corporate account, but there are also cases of account blocking for long-established and successfully operating companies whose beneficiary is a non-resident.<\/p><p>\t\t<div data-elementor-type=\"container\" data-elementor-id=\"12467\" class=\"elementor elementor-12467 elementor-12411 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<\/p><p>In Poland, the situation is significantly better in this regard, but it also has its peculiarities.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-103bcfc elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"103bcfc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e665cf elementor-widget__width-initial elementor-widget-mobile__width-auto elementor-widget elementor-widget-image\" data-id=\"5e665cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"390\" height=\"260\" src=\"https:\/\/izibiz.pl\/wp-content\/uploads\/2024\/06\/93d910e07fd89cca3c8faff9ee4dcd62.jpg\" class=\"attachment-1536x1536 size-1536x1536 wp-image-12277\" alt=\"\" srcset=\"https:\/\/izibiz.pl\/wp-content\/uploads\/2024\/06\/93d910e07fd89cca3c8faff9ee4dcd62.jpg 390w, https:\/\/izibiz.pl\/wp-content\/uploads\/2024\/06\/93d910e07fd89cca3c8faff9ee4dcd62-300x200.jpg 300w\" sizes=\"(max-width: 390px) 100vw, 390px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5983082 elementor-widget__width-initial elementor-widget-mobile__width-auto elementor-absolute e-transform e-transform elementor-widget elementor-widget-image\" data-id=\"5983082\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_transform_translateX_effect&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:18,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:-18,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0.6,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/izibiz.pl\/wp-content\/uploads\/2022\/10\/sqr031-col1.svg\" title=\"sqr031-col1\" alt=\"sqr031-col1\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b58fd3 elementor-widget__width-initial elementor-widget-mobile__width-auto elementor-absolute e-transform e-transform elementor-widget-tablet__width-initial elementor-widget elementor-widget-image\" data-id=\"9b58fd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_transform_translateX_effect&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:-32,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:28,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0.28,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/izibiz.pl\/wp-content\/uploads\/2022\/10\/sqr031-col2.svg\" title=\"sqr031-col2\" alt=\"sqr031-col2\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-7258ee7 e-flex e-con-boxed e-con e-parent\" data-id=\"7258ee7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f836440 elementor-widget elementor-widget-text-editor\" data-id=\"f836440\" 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>We will not consider situations where non-resident founders possess a Pole&#8217;s Card, a temporary or permanent residence permit in Poland, or citizenship in one of the EU countries \u2013 here, everything is much simpler. We are interested in situations where the founders are citizens of Belarus, Russia, Ukraine, or any other CIS country (and beyond) without any status in Poland. Will there be problems opening a corporate bank account for a Polish company in such a case?  <\/p>\t\t\t\t\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f9533eb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f9533eb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-94d0c8d\" data-id=\"94d0c8d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a8f2bd8 elementor-widget elementor-widget-heading\" data-id=\"a8f2bd8\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"price\" 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\">Support for opening accounts in Polish banks <p><\/p>\n<span style=\"font-size: 1.1rem;font-weight: normal\">We provide support to legal entities when opening current accounts in Polish banks for both resident and non-resident companies. Our experience allows us to open accounts for LTD, LP companies (jurisdictions UK, Ireland, Scotland), as well as for companies registered in Estonia, Latvia, Lithuania, Bulgaria, the Czech Republic, and other countries.<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-a755003 blocks e-flex e-con-boxed e-con e-parent\" data-id=\"a755003\" 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-73a29d3 e-flex e-con-boxed e-con e-child\" data-id=\"73a29d3\" 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-599abac e-flex e-con-boxed e-con e-child\" data-id=\"599abac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-412908d elementor-widget elementor-widget-heading\" data-id=\"412908d\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Accounts for Polish companies\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f90c37c elementor-widget elementor-widget-heading\" data-id=\"f90c37c\" 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<h4 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-size: 1.2rem;font-weight: normal;text-decoration: line-through\">250 EUR<\/span>  \n  \n200 EUR <\/p>\n<span style=\"font-size: 1rem;font-weight: normal\">20% save<\/span> <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b5df181 e-flex e-con-boxed e-con e-child\" data-id=\"b5df181\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d565bf3 elementor-widget elementor-widget-elementskit-accordion\" data-id=\"d565bf3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion floating-style\" id=\"accordion-69e0c7cfe7b31\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-d565bf3\">\n                        <a href=\"#collapse-4c3df8a69e0c7cfe7b31\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-4c3df8a69e0c7cfe7b31\" aria-expanded=\"true\" aria-controls=\"Collapse-4c3df8a69e0c7cfe7b31\">\n                                                            <div class=\"ekit_accordion_icon_left_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow1\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                            <span class=\"ekit-accordion-title\">Bank account opening<\/span>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-4c3df8a69e0c7cfe7b31\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-d565bf3\" data-parent=\"#accordion-69e0c7cfe7b31\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><strong>What is included in the service?<\/strong><\/p>\n<ul>\n<li>bank selection<\/li>\n<li>Coordination of opening possibility and obtaining bank approval<\/li>\n<li>interpreter services<\/li>\n<li>Internet banking activation<\/li>\n<li>Timeline - 1-3 days<\/li>\n<\/ul>\n<p>The procedure requires the director's personal visit to sign the agreement<\/p>\n                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-d565bf3\">\n                        <a href=\"#collapse-e9fa61169e0c7cfe7b31\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-e9fa61169e0c7cfe7b31\" aria-expanded=\"false\" aria-controls=\"Collapse-e9fa61169e0c7cfe7b31\">\n                                                            <div class=\"ekit_accordion_icon_left_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow1\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                            <span class=\"ekit-accordion-title\">Subsequent support<\/span>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-e9fa61169e0c7cfe7b31\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-d565bf3\" data-parent=\"#accordion-69e0c7cfe7b31\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Any consultations after account opening regarding account blocking, account freezing, assistance in lifting sanctions, and unblocking accounts are not included in this service and are charged as a separate service.<\/p>\n                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\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 class=\"elementor-element elementor-element-e4043d0 elementor-widget elementor-widget-button\" data-id=\"e4043d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/izibiz.pl\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\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<div class=\"elementor-element elementor-element-b0e46d0 e-flex e-con-boxed e-con e-child\" data-id=\"b0e46d0\" 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-9d283f9 e-flex e-con-boxed e-con e-child\" data-id=\"9d283f9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8fe65a elementor-widget elementor-widget-heading\" data-id=\"f8fe65a\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Account for a non-resident company\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9d1fb5 elementor-widget elementor-widget-heading\" data-id=\"c9d1fb5\" 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<h4 class=\"elementor-heading-title elementor-size-default\">\n \n  from 650 EUR <\/p>\n<span style=\"font-size: 1rem;font-weight: normal\">Depends on the company's jurisdiction <\/span> <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7374de8 elementor-widget elementor-widget-elementskit-accordion\" data-id=\"7374de8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion floating-style\" id=\"accordion-69e0c7cfe9019\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-7374de8\">\n                        <a href=\"#collapse-4c3df8a69e0c7cfe9019\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-4c3df8a69e0c7cfe9019\" aria-expanded=\"true\" aria-controls=\"Collapse-4c3df8a69e0c7cfe9019\">\n                                                            <div class=\"ekit_accordion_icon_left_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow1\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                            <span class=\"ekit-accordion-title\">Bank account opening<\/span>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-4c3df8a69e0c7cfe9019\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-7374de8\" data-parent=\"#accordion-69e0c7cfe9019\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><strong>What is included in the service?<\/strong><\/p>\n<ul>\n<li>bank selection<\/li>\n<li>Coordination of opening possibility and obtaining bank approval<\/li>\n<li>interpreter services<\/li>\n<li>Internet banking activation<\/li>\n<li>Timeline - 1-3 days<\/li>\n<\/ul>\n<p>The procedure requires the director's personal visit to sign the agreement<\/p>\n                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3520c9 elementor-widget elementor-widget-button\" data-id=\"f3520c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/izibiz.pl\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24ec314 e-flex e-con-boxed e-con e-child\" data-id=\"24ec314\" 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-f055044 e-flex e-con-boxed e-con e-child\" data-id=\"f055044\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-656c576 elementor-widget elementor-widget-heading\" data-id=\"656c576\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Remote account opening\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21cfa36 elementor-widget elementor-widget-heading\" data-id=\"21cfa36\" 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<h4 class=\"elementor-heading-title elementor-size-default\">\n \nfrom 850 EUR <\/p>\n<span style=\"font-size: 1rem;font-weight: normal\">depends on the company's jurisdiction <\/span> <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42acc40 e-flex e-con-boxed e-con e-child\" data-id=\"42acc40\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-907897e elementor-widget elementor-widget-elementskit-accordion\" data-id=\"907897e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion floating-style\" id=\"accordion-69e0c7cfea704\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-907897e\">\n                        <a href=\"#collapse-4c3df8a69e0c7cfea704\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-4c3df8a69e0c7cfea704\" aria-expanded=\"true\" aria-controls=\"Collapse-4c3df8a69e0c7cfea704\">\n                                                            <div class=\"ekit_accordion_icon_left_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow1\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                            <span class=\"ekit-accordion-title\">Remote account opening<\/span>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-4c3df8a69e0c7cfea704\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-907897e\" data-parent=\"#accordion-69e0c7cfea704\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><strong>What is included in the service?<\/strong><\/p>\n<ul>\n<li>bank selection<\/li>\n<li>Coordination of opening possibility and obtaining bank approval<\/li>\n<li>Preparation and sworn translation of powers of attorney<\/li>\n<li>Internet banking activation<\/li>\n<li>Timeline - 2-3 weeks <\/li>\n<\/ul>\n<p><strong>NO PERSONAL PRESENCE!<\/strong><\/p>\n                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\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 class=\"elementor-element elementor-element-c57a922 elementor-widget elementor-widget-button\" data-id=\"c57a922\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/izibiz.pl\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\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\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ef929f2 e-flex e-con-boxed e-con e-parent\" data-id=\"ef929f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6bb8947 elementor-widget elementor-widget-text-editor\" data-id=\"6bb8947\" 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<section class=\"elementor-element elementor-element-f9804ce elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-section elementor-top-section\" data-id=\"f9804ce\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-row\"><div class=\"elementor-element elementor-element-53dee46 elementor-column elementor-col-100 elementor-top-column\" data-id=\"53dee46\" data-element_type=\"column\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-d8d5c2e elementor-widget elementor-widget-text-editor\" data-id=\"d8d5c2e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><h2 dir=\"ltr\" role=\"presentation\">Opening a bank account for a Polish company with non-resident founders<\/h2><div class=\"elementor-text-editor elementor-clearfix\"><p>Currently, the possibility of opening a current account for a legal entity in Poland, whose founders are non-residents, is provided by:<\/p><ul><li>Santander Bank (Spanish financial group),<\/li><li>PKO BP (Polish bank with state investments),<\/li><li>BNP PARIBAS (French financial group),<\/li><li>ING Bank (Netherlands)<\/li><li>Millennium <\/li><li>ALIOR BANK<\/li><li>VELOBank<\/li><li>NEST Bank<\/li><\/ul><p>It should also be noted that the operations of many branches and subsidiaries of these banks are regulated by their internal instructions at the Voivodeship, city, and sometimes specific branch level, which means you may be refused account opening at a particular branch despite the bank&#8217;s general policy on working with non-residents.<\/p><h3>What documents are required to open an account?<\/h3><p>To open a corporate bank account in Poland, we will need:<\/p><ul><li>Original and copies of foreign passports (notarized for remote opening) of the founders;<\/li><li>Company registration documents (company statute, extract from the National Court Register (KRS))<\/li><li><b>PESEL identification number<\/b> (what it is, why this number is absolutely necessary for company founders in Poland, and how to obtain it, read <b>here<\/b>)<\/li><li>Notarized power of attorney (for remote opening);<\/li><li>Completed and signed bank applications and signature specimen cards (for remote opening for legal entities);<\/li><\/ul><h4>How long does it take to open an account for a legal entity?<\/h4><p>Typically, with the personal presence of the founders during account opening and our support, you receive an active current account with internet banking access within 2 \u2013 2.5 hours.<\/p><h3>Fees for opening and maintaining a corporate account in a Polish bank<\/h3><table><tbody><tr><td><h5>Bank and account name<\/h5><\/td><td><h5>Conditions for opening<\/h5><\/td><td><h5>Maintenance cost<\/h5><\/td><\/tr><tr><td><h5> <\/h5><h5><a href=\"https:\/\/izibiz.pl\/wp-content\/uploads\/2026\/03\/santander.png\"><img decoding=\"async\" class=\"aligncenter wp-image-12313\" src=\"https:\/\/izibiz.pl\/wp-content\/uploads\/2026\/03\/santander.png\" alt=\"\" width=\"200\" height=\"200\" srcset=\"https:\/\/izibiz.pl\/wp-content\/uploads\/2026\/03\/santander.png 980w, https:\/\/izibiz.pl\/wp-content\/uploads\/2026\/03\/santander-300x300.png 300w, https:\/\/izibiz.pl\/wp-content\/uploads\/2026\/03\/santander-150x150.png 150w, https:\/\/izibiz.pl\/wp-content\/uploads\/2026\/03\/santander-768x768.png 768w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/a><\/h5><h5>Santander Bank<\/h5><h6><em>\u201ckonto firmowe Godne polecenia\u201d (Recommended Business Account)<\/em><\/h6><\/td><td><ul><li>PESEL number or residence permit in Poland for the non-resident founder<\/li><li>Account activation and internet banking access upon opening<\/li><\/ul><\/td><td><ul><li>Cost of maintaining a PLN account and one foreign currency account \u2014 0<\/li><li>Next foreign currency account \u2014 15 Euro\/month<\/li><li>Debit card issuance \u2014 0<\/li><li>10 instant transactions per month \u2014 0<\/li><li>Internal ELIXIR transfers \u2014 0<\/li><li>Cash back on card payments \u2014 up to 6%<\/li><\/ul><\/td><\/tr><tr><td><h5> <\/h5><h5><a href=\"https:\/\/izibiz.pl\/wp-content\/uploads\/2026\/03\/logo-pko-banku-polskiego-1.jpg\"><img decoding=\"async\" class=\"aligncenter size-thumbnail wp-image-12314\" src=\"https:\/\/izibiz.pl\/wp-content\/uploads\/2026\/03\/logo-pko-banku-polskiego-1-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" 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: 150px) 100vw, 150px\" \/><\/a><\/h5><h5>PKO BP<\/h5><h6>\u201cKonto firmowe za 0\u201d (Business Account for 0)<\/h6><\/td><td><ul><li>PESEL number or residence permit in Poland for the non-resident founder<\/li><\/ul><ul><li>Account activation and internet banking access upon opening<\/li><\/ul><\/td><td><ul><li>Cost of maintaining a PLN account, provided 5 transactions per month \u2014 0<\/li><li>Foreign currency account \u2014 5 Euro\/month<\/li><li>Debit card issuance \u2014 0<\/li><li>100 PLN transactions per month \u2014 0<\/li><li>Foreign currency transactions \u2014 1 PLN<\/li><li>Instant ELIXIR or SORBNET transfers \u2014 10 PLN<\/li><\/ul><\/td><\/tr><tr><td><h5><a href=\"https:\/\/izibiz.pl\/wp-content\/uploads\/2026\/03\/paribas.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-thumbnail wp-image-12315\" src=\"https:\/\/izibiz.pl\/wp-content\/uploads\/2026\/03\/paribas-150x150.png\" alt=\"\" width=\"150\" height=\"150\"><\/a><\/h5><h5>BNP PARIBAS<\/h5><h6>\u201cKonto Otwarte na Biznes\u201d (Account Open for Business)<\/h6><\/td><td><ul><li>PESEL number or residence permit in Poland for the non-resident founder<\/li><\/ul><ul><li>Account activation and internet banking access within 14 days of opening<\/li><\/ul><\/td><td><ul><li>Cost of maintaining a PLN, USD, or EUR account, provided inflows of 20,000 PLN per month \u2014 0<\/li><li>Otherwise \u2014 9 PLN<\/li><li>Debit card issuance \u2014 0<\/li><li>Internal PLN transactions \u2014 0<\/li><li>SEPA Euro transfers \u2014 8 PLN<\/li><li>International transfers outside the Eurozone SHA \u2014 75 PLN<\/li><\/ul><\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-element elementor-element-aca5dbc elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-section elementor-top-section\" data-id=\"aca5dbc\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-row\"><div class=\"elementor-element elementor-element-4688522 elementor-column elementor-col-100 elementor-top-column\" data-id=\"4688522\" data-element_type=\"column\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-e7ffac1 elementor-widget elementor-widget-text-editor\" data-id=\"e7ffac1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><h4 dir=\"ltr\">Is it possible to open an account with Millennium, ING, CITI Bank, or MBank in Poland if the founders are non-residents?<\/h4><p dir=\"ltr\">Currently, opening a current account in these banks is only possible under one condition: the company&#8217;s founders must have a temporary or permanent residence permit in Poland, i.e., they must possess a KARTA POBYTA. In all other situations, documents will not even be accepted for consideration by bank employees.   <\/p><h2 dir=\"ltr\">Account for foreign companies and non-resident legal entities in Poland<\/h2><p dir=\"ltr\">What if there is a need to open a current account in a Polish bank for a non-resident company registered in another EU country or outside the EU? One possible scenario: you are a Russian Federation citizen, you conduct business in Europe through your company in Latvia or Estonia, and your bank closes your current account. Can this problem be solved by opening an account in a Polish bank?  <\/p><p dir=\"ltr\">If it is not a classic offshore company (BVI, Panama, Seychelles, Belize, Hong Kong) and your company conducts transparent and open activities, then this is possible.<\/p><h3 dir=\"ltr\">What does the procedure look like?<\/h3><p dir=\"ltr\">To open a current account in a Polish bank for non-resident companies, it is necessary to provide originals or notarized copies of the following documents:<\/p><ul><li dir=\"ltr\" role=\"presentation\">Registration documents (Confirmation of company registration)<\/li><li dir=\"ltr\" role=\"presentation\">Extract from the Register confirming current registration (Extract from the Register)<\/li><li dir=\"ltr\" role=\"presentation\">Company Articles of Association<\/li><li dir=\"ltr\" role=\"presentation\">Certificate of tax registration (confirmation of TIN \/ NIP receipt)<\/li><\/ul><blockquote><p>IMPORTANT: documents must be provided in originals or notarized copies with an apostille. Documents must not be older than 6 months (does not apply to registration documents and company articles of association). Documents must undergo sworn translation into Polish.  <\/p><\/blockquote><p dir=\"ltr\">Additionally, detailed information about the company&#8217;s business activities, existing and planned turnovers, drafts or actual contracts with counterparties, and planned amounts of incoming funds to the account must be provided.<\/p><p dir=\"ltr\"><strong>How long does it take to open an account for a non-resident company in a Polish bank?<\/strong><\/p><p dir=\"ltr\">Typically, the bank&#8217;s review of client documents, security service approval, and account opening takes 7 to 30 days.<\/p><p dir=\"ltr\" role=\"presentation\"> <\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\t\t\t\t\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aaabb35 elementor-section-height-min-height elementor-section-items-stretch elementor-section-content-middle elementor-section-boxed elementor-section-height-default\" data-id=\"aaabb35\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c0c8a43\" data-id=\"c0c8a43\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-122bc5e elementor-widget__width-initial elementor-widget-mobile__width-auto elementor-widget elementor-widget-image\" data-id=\"122bc5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/izibiz.pl\/wp-content\/uploads\/elementor\/thumbs\/art008-qfmp340juovxdvlufwuejs6e0xxmlw5neh30xaxdlc.jpg\" title=\"art008\" alt=\"art008\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7415c0 elementor-widget__width-initial elementor-widget-mobile__width-auto elementor-absolute e-transform e-transform elementor-widget elementor-widget-image\" data-id=\"d7415c0\" data-element_type=\"widget\" data-e-type=\"widget\" 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pan-European trend of restricting banks&#8217; operations with non-resident clients has also affected the Polish banking sector. These new developments are well known to entrepreneurs conducting business in the Baltic countries (Latvia, Lithuania, Estonia), the Czech Republic, and many other European countries. In these jurisdictions, not only do insurmountable difficulties arise&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":10,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-12284","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Open an Account in a Polish Bank for a Non-Resident Company?<\/title>\n<meta name=\"description\" content=\"How to open an account in a Polish bank for a Polish or foreign non-resident company? 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