The separation of company finances from private helps to better control revenues and expenses and manage them more effectively. The company account facilitates correct and reliable settlements, including ZUS and the Tax Office, also allows you to maintain transparency in budget planning.
What to consider when choosing it? First of all, the needs and what you will most often use. At the beginning it is worth paying attention to Charges for maintaining the main account and auxiliary accountsin this currency account, for transfers – general and those to ZUS, Tax Office or Foreign, as well as for a payment card issued to the account.
They are very important Additional services and productsThe bank running the account will offer – properly selected will support business development. For example, the POS terminal (Point of Sale, allowing non -cash payments) or an online currency exchange office for companies. In the era of digitization, the functions of a mobile application that gives access to the bank at any place and time is also important.
Selection at the largest bank in the country
According to Mariusz Dymowski, director of the Department of Retail Products and companies at PKO Bank Polski, the largest bank in the country opens almost 100,000 bills for companies annually. These are both entrepreneurs who start new activities, as well as entities that have been on the market for years.
As Mariusz Dymowski adds, customers pay attention to the comprehensive scope of services, both in terms of transactionality, credit offer and other services supporting business (including online), as well as access to advisers providing support in the field of bank services and products at various stages of the company’s development.
At PKO Bank Polski you can choose a PKO company account or PKO premium company account. The first is intended for smaller companies, including people starting their business. A convenient solution is to open an account along with the simultaneous registration of the company in CEIDG (Central Register of Economic Activity). It is enough to submit one application to the IPKO, IKO application or bank branch.
PKO Premium company account was created for small and medium -sized entrepreneurs who need more advanced services and products.
The IKO mobile application, which PKO Bank Polski offers, has over 100 functions (including online currency exchange, parking payments, invoice scanning), which facilitate daily financial control and company management.
Active customers do not pay for running accounts. In the case of PKO company account, the condition is a minimum of 2,000 revenues. PLN per month for each account (main and auxiliary, for example currency).
PKO Bank Polski performs about 300,000 per month. currency transfers for small companies. Delivered card issued to company accounts is a multi -currency card, which means that it can be common to the account in PLN and auxiliary accounts, offered in 19 foreign currencies. The condition for the PKO Visa Multi -currency card to be free is to make 5 transactions a month. The company customer does not pay for issuing any number of debit cards, and free payments in PKO Bank Polski deposit machines up to PLN 50,000 are also free. PLN per month.
Access to payments and cash payments is one of the most important needs of many companies. Depending on the type and form of business, it may turn out that Talling or bringing money consumes a lot of time. Therefore, already at the stage of selecting a company account it is worth checking whether there is an ATM, cash deposit machine or branch nearby that the company will be able to use.
Terminal for free, also on the phone
Entrepreneurs who use a company account at PKO Bank Polski may get the number of payment terminals they need, choosing a device best suited to the needs and nature of their business. The provider of transaction settlement terminals and services is the leader of the Polish electronic payment market – ESERVICE. In addition to stationary and portable terminals, it offers mobile SmartPos devices, as well as the ESERVICE Tom application, which allows you to securely accept card payments using an Android and NFC smartphone.
In addition, the company can benefit from full co -financing of payment transactions on the POS terminal or a smartphone terminal. Entrepreneurs who start a business or have not used payment terminals so far. Thanks to the Cashless Cashless Foundation Support Program, they will receive a reimbursement of the rental costs of the selected terminal for the first 12 months and the commission exemption for accepting payments with Visa and Mastercard cards to the total amount of turnover 100,000. PLN during this period.
What the bank account law says
Having a company account is not mandatory, but the issue of settlements using a bank account was included in the regulations. According to entrepreneurs’ law (Article 10), all payments between companies related to the business activities They must take place through the entrepreneur’s payment accountif the transaction value exceeds 15,000 PLN (or the equivalent of this amount).
In turn, according to the Tax Code (Article 61), as a rule-there are several exceptions-taxpayers conducting business activity, obliged to keep a accounting book or tax book of revenues and expenses, must pay taxes with the help of a transfer or by means of another payment instrument, if they settle through an account in the tax e-mail. Micro -entrepreneurs can also do this in cash.
