inFakt review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
inFakt suits freelancers and small companies in Poland that want everyday business banking with no monthly charge, and deposits sit under EU DGS up to EUR 100,000. The trade-off sits with currency: 4 currencies and a conversion fee of 0.6% suit light cross-border use better than heavy multi-currency trade.
Key facts
- Best for
- A no monthly charge business account for freelancers and small companies working mainly in złoty and euro.
- Monthly fee
- PLN 0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Currency conversion fee
- 0.6%↗
- Currencies
- 4↗
- Free ATM withdrawals
- PLN 3↗
- Transfer fee
- 0 zł for standard PLN and EUR transfers in the Komfort plan; lower plans come with monthly free transfer packages↗
- Legal entity
- inFakt Sp. z o.o.↗
- Headquarters
- Poland↗
- Founded
- 2009↗
- Support channels
- Email, Phone↗
- Audience
- Business, Freelancers
- Pricing model
- No monthly fee
- Features
- Free ATM withdrawals
- Official website
- infakt.pl
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- TrustpilotLinkedInXyoutube.com
Pros and cons
Pros
- Monthly fee of PLN 0, with standard złoty and euro transfers free in the Komfort plan
- Deposits held under EU DGS up to EUR 100,000
- Built for businesses and freelancers, its stated audience being business and freelancer
Cons
- A currency list of 4 currencies keeps the account narrow for multi-currency work
- Currency conversion costs 0.6%, which adds up on frequent cross-border payments
- Support runs on email and phone only
Who it suits
- Freelancers who bill in złoty or euro and would rather see no monthly charge than perks
- Business owners who want their operating balance inside EU DGS up to EUR 100,000
- Teams that take cash out now and then, covered by the free allowance of PLN 3
Who should look elsewhere
- Anyone running many currencies, since inFakt holds 4 and charges 0.6% to convert, so Plazo ES or Skrill may fit that work better
- People who mainly want a payment account rather than business banking, where PayPal Colombia with a monthly fee of $0 may suit the habit
Where it sits among rivals
Among the accounts on VaultCue, inFakt sits at 1 of 500 brands on monthly fee, so holding the account is the cheap part. Currency breadth is weaker at 183 of 379 brands ranked on number of currencies, and the currency conversion fee ranking is 163 of 312.
Safety of your money
Deposits are covered by EU DGS up to EUR 100,000, so the balance is protected under the EU deposit guarantee rather than by inFakt itself. The banking behind the account belongs to UniCredit, entered in the Crossroads Bank for Enterprises register in Brussels as 403.199.306 and in the Polish court register as KRS 0000807333, REGON 384549659, NIP 1080023480. The company you sign with is inFakt Sp. z o.o., based in Poland.
How inFakt compares
8.9 vs 8.7
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8.9 vs 9.0Monthly fee of €0 too, and what inFakt adds on safety is deposit protection at EU DGS up to EUR 100,000.
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Where inFakt is available
- Available
- Belgium, Poland, Ukraine
- Licence in Belgium
- Crossroads Bank for Enterprises (register of the credit institution UniCredit NV/SA, Brussels) (403.199.306), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does the business account cost each month?+
The business account carries a monthly fee of PLN 0, so keeping it open costs nothing. Standard złoty and euro transfers are free in the Komfort plan, and the cheaper plans include a monthly package of free transfers. Cash withdrawals come under a free allowance of PLN 3.
Is my money protected if the provider has problems?+
Deposits are covered by EU DGS up to EUR 100,000, which applies to deposits rather than to investments. The banking side is UniCredit's, entered in the Crossroads Bank for Enterprises register in Brussels and in the Polish court register. The company you sign with is inFakt Sp. z o.o., based in Poland.
What does it cost to change between currencies?+
The currency conversion fee is 0.6%, charged when you exchange between the currencies the account holds. Convert often and that rate becomes the deciding number, since standard złoty and euro transfers are free in the Komfort plan and need no conversion at all.
How many currencies can the account hold?+
The account holds 4 currencies, and on currency breadth it ranks at 183 of 379 brands on VaultCue. If you invoice across a long list of currencies, a provider holding more of them will serve you better.
Who is this account made for?+
It is built for businesses and freelancers, and its stated audience is business and freelancer. The provider is inFakt Sp. z o.o., a company trading since 2009 and based in Poland, so the account is run from Poland.
How do I get help if something goes wrong?+
Support runs on email and phone, so email and phone are your routes to the team. For a business account the phone line is the practical one when a payment needs sorting the same day, while email suits paperwork you want on file.
How does it compare with other accounts on price?+
On monthly fee the ranking is 1 of 500 brands, so the price of holding the account is the strong point. Currency conversion ranks at 163 of 312, and currency breadth at 183 of 379.
Sources
- infakt.pl checked September 26, 2026
Backs: Founded, Pricing model, Support channels
“"name": "inFakt Sp. z o.o.", "legalName": "inFakt Sp. z o.o.", "foundingDate": "2009-03-10"”
- infakt.pl/konto-firmowe checked September 26, 2026
Backs: Free ATM withdrawals, Currencies, Deposit protection, Features, Currency conversion fee, Headquarters, Monthly fee, Transfer fee, Licences
“Konta walutowe (EUR, USD, GBP, CHF) 0 zł”
- infakt.pl/regulamin/500-zlotych-na-start checked September 26, 2026
Backs: Audience
“nowych Klientów inFakt prowadzących jednoosobową działalność gospodarczą”
- infakt.pl/regulamin/infakt-uslugi-bankowe-od-unicredit/re... checked September 26, 2026
Backs: Legal entity
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type.
Related by the facts
Guides
inFakt
A no monthly charge business account for freelancers and small companies working mainly in złoty and euro.