The study analysed the effect of silver nanoparticles (AgNPs) on seed germination, field emergence and the physiological parameters of seedlings of two bean cultivars, ‘Bali’ and ‘Delfina’, under normal and chill temperatures. AgNPs solutions (0.25, 1.25 and 2.5 mg dm−3) were applied together with the microbial preparation Nitragina (containing Rhizobium leguminosarum bv. phaseoli) on seeds as a short-term pre-sowing treatment. Low concentrations of AgNPs (0.25, 1.25 mg dm−3) had an immediate beneficial effect, resulting in fast and uniform germination in laboratory and field conditions, as well as a positive effect in the later stages of seedling development, manifested as an increase in the average seedling height, fresh and dry weight and net photosynthesis. Particularly, favourable effects were noted in suboptimal temperature conditions, suggesting that AgNPs activate plant mechanisms of tolerance to environmental stress. The highest concentration tested of AgNPs was not particularly effective for the plants but had a strong antimicrobial effect, which was beneficial in period of seed germination, but at the later stage of plant development was unfavourable probably due to disruption of symbiosis between the bean seedlings and rhizobia.