Business current account Idea::account

Idea::account is the basis of our partnership:

• Minimum cost: ZERO account opening fee and ZERO account closing fee
• Quick access to your money, through the Idea::Business debit card attached and through the Idea::myBank internet banking platform
• It’s transparent: you can choose to be notified via e-mail and/or SMS about the transactions in your account, using the Idea::Alerts service
• Simple: based on a monthly management fee

Idea::account is a current account which allows you to perform various operations:

• Cash deposits and withdrawals
• Transfers and collections with payment orders, promissory notes, checks, bills of exchange
• Foreign exchange operations, at no cost
• Foreign currency payments and collections
• Deposit set up and termination
• Salary payments
• Scheduled payments, utilities payment

You are always informed on the updated status of your accounts using the additional Idea::alerts service, which keeps you up to date on the status of your transactions via e-mail or SMS.

The account may be opened in: lei or foreign currency (EUR, USD, GBP, CHF, AUD, CAD), and since recently the account is also available in Polish Zlotys (PLN).

The account for start-ups

If your business is a start-up and you need a share capital account to duly establish your organization, you can choose the Idea::share capital account:

• Simple and easy to open
• Small fees

The first steps you should follow when you establish a business:

1. Make a name reservation for the new business with the Trade Registry Office
2. Contact a lawyer to draft your Certificate of Incorporation
3. Come to Idea::Bank to open an Idea::share capital account
4. You get a proof that the share capital has been deposited in the account and you submit this proof to the Trade Registry
5. After the company is established, you can open an Idea::account for free

The amounts in your Idea::share capital account can be transferred to your Idea::account.

Idea::account, monthly fee:

• 15 lei for accounts in the national currency
• 2 monetary unit for accounts in other currencies

The full list of standard fees for current account operations is available in the Useful information section.

In addition, the Polish zlotys (PLN) current account will help you enjoy the best exchange rates for this currency and attractive fees for PLN payments.

Please find below the list with rates, interests and fees, as well as the general terms and conditions of our banking products and services for legal entities, as well as information for depositors according to the provisions of Law no. 311/2015 on deposit guarantee schemes and the Bank Deposit Guarantee Fund:

How can I open a current or share capital account for my business?

• Visit any of the Idea::Bank units
• Fill in your data in the online form by clicking the Apply now button and we will call you back shortly to discuss more details