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Earn up to 3700 PLN
with Konto Mój Biznes account
Check the promotion terms
Up to 2 years of free account maintaining
Open the best account for sole traders available in our offer and pay for 2 years:
- 0 PLN for maintaining a payment account in PLN
- 0 PLN for maintaining a foreign currency account in GBP, EUR, CHF, USD
- 0 PLN annual fee for Millennium Visa Business credit card
- 0 PLN fee for online domestic transfers in PLN, EUR to EEA countries and SEPA
Promotion "Rozwiń swój biznes z Kontem Mój Biznes" runs from 1.04.2025 until further notice. We'll inform on our website about its completion at least 7 days in advance.
Details in the regulations.
Legal note
Up to 3700 PLN for a good start for your business
Open Konto Mój Biznes account, give the marketing and commercial consents and activate the mobile app. Then, in each of the next 5 months, ensure the inflow of at least 1,000 PLN and spend at least 500 PLN using the card issued to the account or BLIK.
What you gain
- Up to 500 PLN for transfers to ZUS – all you have to do is make a transfer to ZUS from your Konto Mój Biznes account for 5 consecutive months and you'll receive 100 PLN every month.
- Up to 1,600 PLN for fuel – pay for fuel with your card or BLIK at any station in Poland, and we’ll refund up to 320 PLN per month for 5 consecutive months.
- Up to 1600 PLN for a payment terminal – for 5 consecutive months, ensure a minimum monthly income of 1000 PLN from the terminal. You will receive 320 PLN for each such month. Sign a contract with Paytel or Millennium POS for a period of 12 months until the end of the next calendar month after signing the account agreement.
The promotion “Zyskaj premię z Kontem Mój Biznes” lasts until 31.03.2026. Limit: 15 000 accounts. Details in the regulationsThe link opens in a new tab..
Why Konto Mój Biznes account?
Konto Mój Biznes account is an ideal solution for sole traders, partners in civil-law companies and farmers.
In „Rozwiń swój biznes z Kontem Mój Biznes” promotion the fee for keeping the account is 0 PLN for 24 months. After this period, it can still be free of charge if you make at least one transfer to ZUS/Tax Office per month from your new account or deposit min. 1000 PLN of external funds a month.
What you can gain with Konto Mój Biznes account:
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for maintaining the account
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for cash withdrawals from our ATM's
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for online transfers to ZUS/Tax Office
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for domestic online transfers
See price list
If you run a business in a form other than sole proprietorship and you need a modern and multifunctional account to manage the finances of your business, check Biznes Account. Now you can open it in promotion and do not pay for its maintenance. All you need to do is apply for an account at our any branch.
Don't you have a business?
Let us help you
Start a business with us! Fill in a simple application and we'll send it to CEIDG (Central Registration and Information on Economic Activity):
- register a business, get NIP and REGON by one application
- start a chat with our experts at any time
- open Konto Mój Biznes account with a debit card
What we have for your business?
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Accounting
You have 3 packages to choose from fully prepared for KSeF. With the Accounting Service, you will gain access to training and tools to help you run your business.
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Online shop
Start selling online. Open online shop on Sellingo platform and test it for 0 PLN for 6 months.
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Millennium PAY payment gateway
Accept fast payments from customers in your online shop with Millennium Pay gateway. Commission is only 0.7% on transactions for a year
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Payment terminal
Choose payment terminal: stationary, portable or accept payment on your mobile device
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Leasing
Decide to grow and lease a car, equipment or machinery. You can benefit from day one of running your business.
Free opening business account in simple steps
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1
Free opening business account in simple steps -
Log in to Millenet with the same credentials as you log in to your individual account.
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2
Free opening business account in simple steps -
Fill in the application form and confirm the entered data. Ready!
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1
Free opening business account in simple steps -
Prepare an ID card and NIP (tax identification number) for your business.
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2
Free opening business account in simple steps -
Complete the application. You will confirm your identity by logging in to your individual account at another bank.
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3
Free opening business account in simple steps -
After sending the application, we will verify its correctness and activate your account.
You can also fill in the application online and sign the agreement in a branch of your choice. During your visit in the branch, we activate your account and show you how to use our mobile app for business. Open now
FAQ
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Does my company need to have a business account?
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
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I have a personal account in Bank Millennium, can I also have a Konto Mój Biznes account?
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.
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Can I open a company together with a business account?
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.
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Is it free to maintain a business account?
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.
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Is the business account card free?
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.
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How do I create an account for my business?
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.
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How can I open a Konto Mój Biznes account online and without leaving home?
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)
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Is there a business account promotion?
Information about ongoing promotions can be found:
- on the Konto Mój Biznes website
- in our branches
- on the helpline at 801 331 331
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Can I open an account for my business while I am still waiting for it to start?
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.
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Is it possible to have two or more business accounts?
Yes. You can have several business accounts, if you need.
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How to choose the best account for my business?
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.
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What is the difference between a personal account and a business 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.
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I'm a farmer. Can I open a Konto Mój Biznes account?
Yes, if your business is registered in CEIDG.
Important documents
- ???link.opens.in.new.window??? Price List for customers of Small Business segment – valid from 04.12.2025 (in Polish)
- ???link.opens.in.new.window??? Price List for customers of Small Business segment – valid till 03.12.2025 (in Polish)
- ???link.opens.in.new.window??? General terms and conditions of opening and running accounts for Business Clients in Bank Millennium S.A. – valid from 01.04.2025 - in Polish
- ???link.opens.in.new.window??? Lista branż działalności i klientów, dla których Bank nie otwiera rachunków w segmencie Biznes
- ???link.opens.in.new.window??? General terms and conditions of opening and running accounts for Business Clients in Bank Millennium S.A. – valid till 31.03.2025 - in Polish
- ???link.opens.in.new.window??? „Załóż firmę w CEIDG z Bankiem Millennium” service regulations (in Polish) – valid from 1.10.2022 r.
- ???link.opens.in.new.window??? „Rozwiń swój biznes z Kontem Mój Biznes” promotion regulations (in Polish) – valid from 1.04.2025
- ???link.opens.in.new.window??? „Załóż Konto Mój Biznes z premią" promotion regulations (in Polish) – valid from 29.11.2024 till 31.03.2025
- ???link.opens.in.new.window??? „Zyskaj z Kontem Mój Biznes” promotion regulations (in Polish) – valid from 1.04.2025 till 31.07.2025
- ???link.opens.in.new.window??? "Zyskaj więcej z Kontem Mój Biznes" promotion regulations (in Polish) – valid from 1.08.2025 till 30.11.2025
- ???link.opens.in.new.window??? „Zyskaj premię z Kontem Mój Biznes" promotion regulations (in Polish) – valid from 1.12.2025
Contact form - business account
If you are interested in our offer please fill in the form below - we’ll call you back!
Legal note
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Legal note
Detailed terms and conditions of the “Zyskaj premię z Kontem Mój Biznes” promotion are provided in the Promotion Regulations, which are available in the Bank’s branches and on www.bankmillennium.pl.
The promotion is targeted at entrepreneurs understood to mean sole traders registered in Centralna Ewidencja i Informacja o Działalności Gospodarczej [Central Business Activity Records and Information].
The Promotion shall last from 01.12.2025 to 31.03.2026.
15,000 Promotion Participants, who are the first during the Promotion to open a Konto Mój Biznes account in Millenet or the Mobile App, or on the portal of Bank Millennium SA, submitting the application online application, shall be eligible for the reward. If it is not possible to open an account in the above-mentioned way, the Promotion Participant may fill in the contact form on the Bank’s portal contact by selecting the Branch path, and open the account in any branch of the Bank. We will inform you about the use of the limit on our website www.bankmillennium.pl.
As a Promotion Participant you will receive a Bonus of maximum PLN 4200 if you meet the conditions of participation in the promotion and log to the Mobile App, read the Regulations and accept them, give the marketing and commercial consents and do not withdraw them during the Promotion until payment of the Bonus, ensure total inflows from outside the bank to the business account in each of the 5 calendar months following the month in which you opened the account, at the level of a minimum of PLN 1000 and make transactions with the debit card issued to the account or by BLIK at the level of min. PLN 500 a month, which will be booked on the account opened in the Promotion and satisfy the Promotion rules described below:
As a Promotion Participant you may receive:
1. Up to PLN 500 (PLN 100 during 5 months) if in each of the 5 months calculated from the next calendar month after opening the account you send transfers to ZUS with the ZUS form in Millenet or the Mobile app.
2. Up to PLN 1600 (5% refund up to PLN 320 every month during 5 months) if in each of the 5 months calculated from the next calendar month after opening the account you pay by card or BLIK for fuel at all fuel stations in Poland, and the transactions are booked on your account opened in the Promotion.
3. Up to PLN 1600 for a POS terminal (PLN 320 every month for 5 months) if you sign a POS terminal agreement for a period of 12 months with PayTel or Millennium POS at most until the end of the next calendar month after opening the Konto Mój Biznes account, then you provide monthly proceeds from the terminal at the level of at least PLN 1000 starting from the full calendar month after signing the agreement.
4. Up to PLN 500 (PLN 100 per month) if by 31.03.2026 you file an application to open a company with a Konto Mój Biznes account using remote channels: millenet or mobile application and effectively register the business in the CEIDG database.
The Bonus described above in pt. 1, 2, 3 and 4 shall be paid only to the Konto Mój Biznes account opened by the Participant in the Promotion. The Bonus will be paid not later than until the end of the month coming after the period specified in the Regulations. The Bonus will be paid if by the day of payment of the particular Bonus the Promotion Participant does not: dissolve, terminate or withdraw from the Agreement on the account, concluded during the Promotion period, does not withdraw the marketing and commercial consents and also will have an activated mobile application, as well as ensuring inflows to the account and also payments with the debit card issued to the account or by BLIK in keeping with the Promotion Regulations, in each of the 5 calendar months, coming after the month, in which the account was opened.
Additionally in the “Rozwiń swój biznes z Kontem Mój Biznes” promotion during 24 months the fee for keeping Konto Mój Biznes account shall be 0 PLN, for the first and subsequent FX accounts 0 PLN, the annual fee for a Millennium VISA Business credit card shall be 0 PLN. Domestic transfers ordered in electronic banking and mobile application to accounts in other banks: in PLN and EUR to EEA and SEPA countries in the standard mode free of charge. The a/m Promotion is available to entities which were not party to an agreement on a settlement account in PLN for Business Clients during 1.04.2024-31.03.2025 and gave all the marketing and commercial consents. Concluding a Konto Mój Biznes account agreement in PLN shall be deemed as joining the a/m Promotion. The “Rozwiń swój biznes z Kontem Mój Biznes” Promotion is valid from 01.04.2025 until its end, about which the Bank shall inform on the website http://www.bankmillennium.pl. Details are stipulated in “Rozwiń swój biznes z Kontem Mój Biznes” Promotion Regulations available in the Bank’s branches and on https://www.bankmillennium.pl.