In September 2026, for most term deposits and savings accounts in the BankSorter comparison the rate at the start of the month cannot be reliably established, so we do not describe rate changes; 4 new offers appeared, including BNP Paribas's Dynamiczny Zysk deposit averaging 6% a year. At the end of the month the comparison listed 9 term deposits (average 4.33%, median 4.15%) and 7 savings accounts (average 5.02%, median 5.25%). In our data, account-opening bonuses rose on two offers, and the highest bonus in the comparison is still 5,000 zł.
Key points
- For most term deposits and savings accounts we do not have a reliable rate for 1 September, so this report does not describe rate changes during the month; where both values are known (3 term deposits), the rate did not change.
- 4 new offers were added: the Dynamiczny Zysk term deposit at BNP Paribas (averaging 6% a year), the Rachunek Oszczędzam Plus savings account at Credit Agricole (5.5%), a savings account at UniCredit (4%), and the Erste Platinum personal account at Erste Bank (no bonus amount given in the data).
- At the end of September the comparison listed 9 term deposits (average 4.33%, median 4.15%) and 7 savings accounts (average 5.02%, median 5.25%); at the start of the month we had too few offers in the database (3 deposits, 0 savings accounts) to reliably compare start-of-month and end-of-month averages.
- In our data the bonus rose on two offers, and the banks' pages now state these new amounts: Bank Pekao's Konto Biznes z Żubrem business account (from 4,200 to 5,000 zł) and BNP Paribas's Konto Otwarte na Ciebie personal account (from 1,000 to 1,100 zł); a third bonus change recorded in our data could not be confirmed on the bank's current page, so we do not state it as a figure in this report.
- The BankSorter comparison currently lists 24 account offers with an opening bonus; the highest is 5,000 zł.
Term deposits
At the end of September the BankSorter comparison listed 9 term deposits, averaging 4.33% with a median of 4.15% a year. At the start of the month we had data for only 3 deposits, so we do not compare averages: we describe the end-of-month position only. The highest nominal rate in the comparison, 6.1% on a 6-month deposit, belongs to an offer we could not confirm today on the bank's current page under the same name, so we do not name the bank in the text; the data stays in the table below and has been flagged for internal review. Among the offers we checked directly on banks' own pages, the highest rate belongs to this month's new Lokata Dynamiczny Zysk at BNP Paribas: a 4-month deposit with a rising rate of 4% / 5% / 7% / 8% across its four months, averaging 6% a year. It is open only to new customers of the bank (no personal or savings account there in the last 24 months) and is capped at 50,000 zł.
| Bank | Offer | Term | Rate at start of month | Rate at end of month |
|---|---|---|---|---|
| Nest Bank | Nest Lokata Witaj | 6 mo. | no data | 6.1% |
| BNP Paribas Bank Polska | Lokata Dynamiczny Zysk | 4 mo. | new offer | 6% |
| Inbank | Lokata na Start | 6 mo. | 4.5% | 4.5% |
| Erste Bank Polska | Lokata na Powitanie | 3 mo. | 4.5% | 4.5% |
| Inbank | Lokata standardowa | 48 mo. | no data | 4.15% |
| Raiffeisen Digital Bank | Lokata dla Ciebie | 36 mo. | no data | 3.7% |
| Santander Consumer Bank | Lokata Online Nowe Środki | 12 mo. | no data | 3.6% |
| VeloBank | Lokata na Nowe Środki | 6 mo. | no data | 3.4% |
| VeloBank | Lokata Mobilna na Start | 2 mo. | 3% | 3% |
Savings accounts
At the end of September the comparison listed 7 savings accounts, averaging 5.02% with a median of 5.25%. At the start of the month we had no savings account in the database with a reliable rate, so we do not compare start of month with end of month. The highest rate, 6% a year on new funds up to 100,000 zł (and 4% on the portion from 100,000 to 400,000 zł), belongs to VeloBank's Elastyczne Konto Oszczędnościowe in its current new-funds promotion: an offer for new customers who open the account online, requiring at least 5 cashless card or BLIK transactions a month, with new funds due by 12 November 2026. Also high in the ranking is Bank Pekao's savings account: 5.7% a year, a promotion confirmed on the bank's own page as running until 22 October 2026 (that edition has since ended). Update 30 October 2026: since 23 October the bank has been running a new edition of the promotion offering 6% a year on new funds up to 200,000 zł (400,000 zł on the Premium savings account), running until 23 November 2026. This month's new entrant is Credit Agricole's Rachunek Oszczędzam Plus savings account, added to the comparison at 5.5% for 100 days up to 100,000 zł, for new customers who have not held an account at the bank since 1 January 2025; from 1 October, after this report's reference period closed, the bank raised that rate to 6.5% in a new edition of the promotion.
| Bank | Offer | Rate at start of month | Rate at end of month |
|---|---|---|---|
| VeloBank | Nowe środki na Elastycznym Koncie Oszczędnościowym | no data | 6% |
| Bank Pekao | Konto oszczędnościowe | no data | 5.7% |
| Credit Agricole | Rachunek Oszczędzam Plus | new offer | 5.5% |
| Bank Millennium | Konto Oszczędnościowe Profit | no data (editorial data correction) | 5.25% |
| Alior Bank | Konto Max Oszczędnościowe | no data | 4.6% |
| mBank | eKonto oszczędnościowe | no data | 4.1% |
| UniCredit | Konto oszczędnościowe | new offer | 4% |
Against the NBP reference rate
According to the official NBP interest rate file, the NBP reference rate is 3.75% and has applied since 5 March 2026, so throughout September. Against it, the average of the 9 term deposits in the BankSorter comparison (4.33%) was 0.58 percentage points higher, and the highest term deposit rate listed (6.1%) 2.35 points higher. The average of the 7 savings accounts (5.02%) was 1.27 points above the reference rate, and the highest savings account rate (6%) 2.25 points above it. The highest rates usually belong to promotional offers with conditions (new funds, an amount cap, a short term). We do not cite the GUS inflation figure for September 2026, because we did not confirm it on stat.gov.pl.
Account-opening bonuses
The BankSorter comparison currently lists 24 personal and business account offers with an opening bonus; the highest is 5,000 zł. In September two bonuses changed in our data, and the banks' own pages now confirm the new amounts: Bank Pekao's Konto Biznes z Żubrem business account went from 4,200 to 5,000 zł (a promotion for new business customers running until 31 December 2026, built from several monthly conditions), and BNP Paribas's Konto Otwarte na Ciebie personal account went from 1,000 to 1,100 zł (75 zł for each of 12 active months with a card, plus a 200 zł additional bonus). A third bonus change recorded in our data concerned a personal account at another bank, but that bank's current page states a different maximum bonus amount than our data, so we do not describe that change as a figure in the text (see Methodology).
Methodology
The data comes from BankSorter's own comparison, not the whole market: these are offers active today on our Polish site, added before the end of September 2026. The rate shown for a deposit or savings account is the offer's highest rate, often available only on new funds or under extra conditions. Start- and end-of-month values are reconstructed from our database's change history; only the net change counts. Where a given day's value cannot be determined (until 23 September 2026 our importer saved several rate variants of one offer in sequence), we mark it as no data and exclude it from averages and from changes. Offers manually corrected by our editorial team this month are marked as a data correction, not as a bank's decision. Because at the start of September our database held only 3 term deposits and 0 savings accounts with a reliable rate, we do not compare start-of-month and end-of-month averages: we describe only the end-of-September position. For two items in our comparison data (a Nest Bank deposit and one personal-account bonus) we could not confirm the stated values on the bank's page today: we do not name them in the text of this report, and they have been flagged internally for review. We also could not confirm the NBP reference rate on nbp.pl (the site blocked automated access) or the GUS CPI figure on stat.gov.pl, so this report does not compare against either indicator this month. The report does not cover APR/RRSO, fees, or offers outside the BankSorter comparison. See the best term deposits, best savings accounts and best personal accounts rankings for current offers.
Sources: NBP interest rates (static.nbp.pl/dane/stopy/stopy_procentowe.xml); BNP Paribas Lokata Dynamiczny Zysk (moneteo.com/analizy/lokata-dynamiczny-zysk-bnp-paribas); VeloBank Elastyczne Konto Oszczędnościowe, edition 11-12/2026 (moneteo.com/bankonauci/nowe-srodki-6-proc-eko-velobank-edycja-12-2026); Bank Pekao savings account, September-October 2026 edition (moneteo.com/bankonauci/5-7-proc-konto-oszczednosciowe-bank-pekao-wrzesien-pazdziernik-2026) and the October-November 2026 edition (moneteo.com/bankonauci/6-konto-oszczednosciowe-bank-pekao-sa-pazdziernik-listopad-2026); Credit Agricole Rachunek Oszczędzam Plus, October 2026 edition (moneteo.com/bankonauci/na-start-6-5-procent-rachunek-oszczedzam-plus-credit-agricole-pazdziernik-2026); Bank Pekao Konto Biznes z Żubrem, September-December 2026 edition (moneteo.com/bankonauci/otworz-konto-firmowe-zyskaj-do-5000-zl-konto-biznes-z-zubrem-bank-pekao-sa-wrzesien-grudzien-2026) and the earlier July-August 2026 edition (moneteo.com/bankonauci/premia-do-4200-zl-z-kontem-biznes-z-zubrem-bank-pekao-sa-lipiec-sierpien-2026); BNP Paribas Konto Otwarte na Ciebie, edition 2 (moneteo.com/bankonauci/podroznik-aplikacja-1100-zl-konto-otwarte-na-ciebie-bnp-paribas-edycja-2) and the earlier edition (jakdorobic.pl/bnp-paribas-1000-zl-premii-podroznik-z-aplikacja/).
Data from this report may be cited with attribution to BankSorter.com.