Nest Bank is a Polish bank founded in 2016, specialised in microbusinesses and sole proprietors. It offers free business accounts, cash loans, savings accounts and deposits with attractive promotional rates.
Why choose Nest Bank?
- Free business account for sole proprietors and microbusinesses — one of few truly free options
- Regular deposit and savings account promotions with high rates
- Simple, transparent offer with no hidden fees
- Fast 100% online service — no branch visits required
- Ideal for people starting a new business
Editorial rating
- Offers 4.3
- Service 4.0
- Online banking 4.2
- Costs 4.1
About the bank Nest Bank
Nest Bank was founded in 2016 on the basis of FM Bank PBP, previously acquired by the AnaCap Financial Partners fund. From the start the bank positioned itself as an alternative to large universal banks, focusing on underserved segments — primarily microbusinesses, sole proprietors and retail customers looking for simple, transparent products.
Despite its small size (around 500,000 customers) Nest Bank has built a strong position thanks to a free business account, competitive savings accounts and welcome promotions. The offer covers personal accounts, business accounts, cash loans, savings accounts, deposits and basic products for microbusinesses. The bank is mainly available through the mobile app and online banking — the branch network is small.
Active offers
We show the currently active offers and always link to the latest version.
Personal accounts
View all offers →Nest Konto
Nest Bank
- Monthly fee
- Free
Business accounts
View all offers →BIZnest Konto
Nest Bank
- Monthly fee
- Free
Deposits
View all offers →Nest Lokata Witaj
Nest Bank
- Interest rate
- 0.00%
- Term
- 6 miesięcy
Pros and cons
Pros
- Free business account for microbusinesses
- Competitive promotional deposit rates
- Simple online service for less advanced users
- Fast 100% online account opening
Cons
- Narrow product range — no mortgages
- Very small branch network — essentially digital-only service
- Less advanced app than market leaders
How to apply — Nest Bank
Nest Bank is a young, niche bank established in 2016, specialising in microbusinesses, sole proprietors and retail customers.
- 1
Choose a Nest Bank offer
Check Nest Bank products in our ranking — business accounts, deposits, cash loans.
- 2
Go to the bank
Click the CTA to go directly to the Nest Bank application page.
- 3
Fill in the online application
Use nestbank.pl or the mobile app. Prepare your ID and, for a business, your company registration details.
- 4
Receive a decision
The account is opened within minutes; loan decisions usually within hours.
Frequently Asked Questions
Is Nest Bank safe?
Yes. Nest Bank is supervised by KNF and is a BFG member, which guarantees deposits up to EUR 100,000 per customer. Despite being a relatively young bank, it operates under the same regulatory framework as all Polish banks.
Is the Nest Bank business account really free?
Yes — Nest Bank offers the free Nest Biznes business account for sole proprietors and microbusinesses, with no minimum deposit requirements. Elixir transfers and withdrawals from Euronet ATMs in Poland are also free. It is one of the best free business account offers in Poland.
What loans does Nest Bank offer?
Nest Bank mainly offers cash and consolidation loans for retail customers. The bank does not offer mortgages or extensive corporate loans — the credit offer focuses on simple products.
What are Nest Bank deposit rates?
Nest Bank regularly offers deposits and savings accounts with promotional rates for new money, often higher than at large banks. Current rates are in our deposit ranking.
How do I open a Nest Bank account online?
You can open an account 100% remotely via mObywatel, selfie verification or a verification transfer. The process takes about 10 minutes and the card arrives within a few business days.
Does Nest Bank have branches?
Nest Bank has a very limited branch network — essentially all business is conducted online. If you need regular branch visits, universal banks like PKO BP, Pekao or Santander may be a better choice.
Who is Nest Bank for?
Nest Bank is ideal for sole proprietors, microbusinesses looking for a free business account and retail customers who value simple savings products with attractive interest rates.
Other banks
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