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Monthly ranking September 2026

Ranking of savings accounts in Poland — September 2026

5 offers · Higher rate = better offer

Created 01.09.2026
Verified by: Krystyna Wójcik

In September 2026 we compared the best Savings accounts available. Rates ranged from 0.38% to 5.7%. Top offer: Bank Pekao with "Konto oszczędnościowe" at 5.7% per year. This ranking covers offers available in Poland.

KW
Krystyna Wójcik · Digital Banking Advisor

Reviews bank offers day to day and keeps the rankings published on BankSorter accurate — we pull data straight from bank APIs and verify it before every publication.

Offer ranking — September 2026

1
★ #1 Best offer
Bank Pekao
Bank Pekao

Konto oszczędnościowe

✓ Oprocentowanie do: 5.70% ✓ Kapitalizacja: miesięczna ✓ Bez opłat za prowadzenie ✓ Przelew: 7.00 zł
Best Rate For Beginners
5.70%
interest rate
Apply
2
Bank Millennium
Bank Millennium

Konto Oszczędnościowe Profit

✓ Oprocentowanie do: 4.50% ✓ Kapitalizacja: miesięczna ✓ Bez opłat za prowadzenie ✓ Przelew: 9.90 zł
For Beginners No Min. Deposit
4.50%
interest rate
Apply
3
VeloBank
VeloBank

"Nowe środki na Elastycznym Koncie Oszczędnościowym"

✓ Oprocentowanie do: 4.50% ✓ Kapitalizacja: miesięczna ✓ Bez opłat za prowadzenie ✓ Przelew: 9.00 zł
For Beginners No Min. Deposit
4.50%
interest rate
Apply
4
mBank
mBank

eKonto oszczędnościowe

✓ Oprocentowanie do: 4.10% ✓ Kapitalizacja: miesięczna ✓ Bez opłat za prowadzenie ✓ Przelew: 10.00 zł
For Beginners No Min. Deposit
3.90%
interest rate
Apply
5
Alior Bank
Alior Bank

Konto Max Oszczędnościowe

✓ Oprocentowanie do: 0.38% ✓ Kapitalizacja: miesięczna ✓ Bez opłat za prowadzenie ✓ Przelew: 8.00 zł
For Beginners No Min. Deposit
0.38%
interest rate
Apply

Try the calculator for the top-ranked offer (Bank Pekao)

Returns calculator

1 000 PLN 200 000 PLN
1 mo. 24 mo.
Interest earned
Amount at end of term
Monthly interest
Go to offer

🔒 Secure redirect to Bank Pekao, no obligation

Calculation before 19% capital gains tax. Actual net return will be lower.

How is this ranking created?

We checked 5 savings accounts offers in Poland for you in September 2026. The ranking is based on interest rate (50%), editorial ratings (30%) and user popularity (20%).

What to watch out for when choosing a savings account

What to watch out for when choosing a savings account

A high promotional rate often only lasts the first 1-3 months, then drops to a much lower standard rate — check what rate applies once the promotion ends. The cap on the amount covered by the higher rate matters too — any balance above the cap (e.g. over 10,000) is often paid a much lower rate. Some savings accounts require holding a personal account at the same bank to get the best rate.

How quickly can you withdraw the money?

Unlike a fixed-term deposit, a savings account lets you withdraw funds at any time without losing accrued interest — that's its main advantage. Opening one usually just needs photo ID and takes a few minutes online, often without needing a separate personal account.

A savings account earns interest while keeping your money accessible — unlike a fixed deposit you can withdraw at any time. Compare rates and the maximum balance eligible for the promotional rate.

FAQ

In September 2026 Bank Pekao led our ranking with 5.7% per year. Check the maximum balance eligible for the promotional rate.

A savings account gives full liquidity — withdraw any time. A fixed deposit usually offers a higher rate but locks your funds. Choose a savings account for an emergency fund and a deposit for a specific savings goal.

See all current savings accounts offers

Compare all Savings accounts