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Best term deposits and savings accounts

Grow your savings with the highest interest rates

Compare term deposits and savings accounts with the highest interest rates. Find a product matched to your amount and the time you want to save.

Verified 11.05.2026

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Our recommendations

Bank Pekao

Bank Pekao

Konto oszczędnościowe

5.00%

interest rate

Apply →
VeloBank

VeloBank

"Nowe środki na Elastycznym Koncie Oszczędnościowym"

4.50%

interest rate

Apply →
mBank

mBank

eKonto oszczędnościowe

4.10%

interest rate

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All offers in this category

Bank Millennium

Bank Millennium

Konto Oszczędnościowe Profit

Verified 27.04.2026
1.50%
Apply →
Citi Handlowy

Citi Handlowy

Konto oszczędnościowe

Verified 27.04.2026
0.60%
Apply →
Alior Bank

Alior Bank

Konto Max Oszczędnościowe

Verified 30.04.2026
0.38%
Apply →
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Frequently asked questions

If you will not need the money for 3–12 months, a term deposit usually offers a higher interest rate. If you want access to funds in an emergency, a savings account is safer. The optimal solution is to split: part in a deposit (higher return), part in a savings account (liquidity).
Banks often offer attractive interest rates only up to a certain amount (e.g. 5% up to 20 000 PLN). Above that threshold, the rate drops dramatically — e.g. to 0.1%. If you have 50 000 PLN, keeping it all in such an account means 30 000 PLN earns almost nothing. It is better to spread savings across several accounts at different banks.
A savings account protects against inflation only when its interest rate exceeds the inflation rate — check this regularly. If inflation is 4% and the account yields 3%, you are losing value in real terms. For better money protection, consider diversifying: inflation-linked government bonds or money market funds.
Yes, and it is a great strategy. Each account is covered by BFG protection up to €100,000, so spreading funds across several banks gives full coverage for larger savings. You can also take advantage of new-customer promotions — banks often offer elevated interest rates for the first 3 months.
Contact your bank immediately and report the erroneous transfer. The bank is obliged to take action and contact the recipient's bank. If the recipient agrees, the funds are returned. If not, you can file a complaint with the Financial Ombudsman or pursue legal action. Chances of recovery are higher when you act quickly.