If you are a sole proprietorship, then you need a bank account.

Setting up a business account can bring many benefits, e.g.:

• you have order in your finances, because you separate your business money from your personal money
• you have everything under control, because you can conveniently switch between your personal and business account and use the same login details
• you are a more reliable partner for contractors if your business account as an active VAT taxpayer is on the so-called white list of VAT taxpayers (if your account is not on the white list, the contractor may submit a ZAW-NR notification to the tax office)
• if you are an active VAT taxpayer and have an open personal account, your contractor will not be able to pay you for the goods or services delivered to him covered by the obligatory split payment mechanism

Yes. This will give you convenient access to your finances. Both in Millenet and in the mobile app you can easily and efficiently switch between your private and business account. You will log in to both accounts with the same details.

Yes. If you have a personal account with us, you can set up a business with our help and open a business account “Konto Mój Biznes". All you have to do is fill out a simple application.

We run the Konto Mój Biznes account for 0 PLN for 2 years in the "Rozwiń swój biznes z Kontem Mój Biznes" promotion. You don't have to meet any conditions during this time to avoid incurring fees for maintaining a business account.

After 2 years, we can continue to run your business account for free if you meet a simple condition: each month you will receive at least 1000 PLN of income to this account or if you order at least 1 transfer to ZUS or the Tax Office. If you do not meet the condition, we will charge you according to the price list in the following month.

You don't pay for the Konto Mój Biznes debit card if you meet a simple condition. All you have to do is spend min. 500 PLN each month. If you do not meet the condition, we will charge you according to the price list in the following month.

You can create a My Business account in three ways:

• completely online
• fill in the online application and sign the contract at a branch
• at any our branch.

It is very simple. If:

• you have a personal account with us - log in to Millenet or mobile app and fill out a simple online application
• you do not have an account with us - select the OPEN NOW option on the Konto Mój Biznes account website. You can confirm your identity by logging in to your current bank (you can have a business or personal account there)

Information about ongoing promotions can be found:

• on the Konto Mój Biznes website
• in our branches
• on the helpline at 801 331 331

Yes. If your company has been registered in CEIDG and has been assigned NIP and REGON, but you are still waiting to start running your business, you can set up a business account for it.

Yes. You can have several business accounts, if you need.

It all depends on the form of your business. You can get help in choosing an account on our hotline, chat or branches.

You can open a Konto Mój Biznes account if you run a sole proprietorship registered in CEIDG or if you are a partner in a civil law partnership.

If you run a business in a different legal form, choose the Konto Biznes account.

A business account - as opposed to a personal one - is opened immediately with a VAT account. In addition, with the Konto Mój Biznes account you can take advantage of many additional products available only for business activities, e.g. order a payment terminal, take out a business loan, leasing or accounting services as part of the Millennium Księgowość platform.

Yes, if your business is registered in CEIDG.