Ranking of savings accounts in Poland - October 2026
10 offers · Sorted by: highest rate first
Top offer this month: Crédit Agricole with "Rachunek Oszczędzam Plus" at 6.5% per year. Other checked Savings accounts range from 2.5% to 6.5%. This ranking covers offers available in Poland.
Offer ranking - October 2026
"Nowe środki na Elastycznym Koncie Oszczędnościowym"
0.50 pp lower than this comparison's leader.
Konto Lokacyjne z Kontem Otwartym na Ciebie
2.75 pp lower than this comparison's leader.
What changed in the market: Savings accounts, September 2026
In September we recorded no verified rate change in this category.
See the full market change report (in Polish) →Try the calculator for the top-ranked offer (Crédit Agricole)
Returns calculator
The top rate covers balances up to 100,000 PLN - the excess earns the lower rates from the bank table.
🔒 Secure redirect to Crédit Agricole, no obligation
Estimate: simple interest, no capitalisation.
How is this ranking created?
We checked 10 savings accounts offers in Poland for you in w October 2026. Offers are selected using a composite score: interest rate (50%), product badge count (30%) and user popularity (20%). The order in the table follows the sorted value alone; ties are settled alphabetically. Partner commission does not affect selection or position.
What changed in this comparison
- 23 Oct 2026 BNP Paribas Bank Polska Konto Lokacyjne z Kontem Otwartym na Ciebie - Status oferty: Aktywna → Wymaga sprawdzenia
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.
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.