Konto Max Oszczędnościowe

Alior Bank's Konto Max Oszczędnościowe savings account – who is it for?

Konto Max Oszczędnościowe is a savings account from Alior Bank aimed at people who want to park spare cash at a high interest rate while keeping full liquidity - no lock-in period like with a term deposit. The top rate, however, applies only to new funds and only during the promotion, and the full rate also requires regular card or BLIK payments.

Interest rate – what you actually earn

The headline rate on Konto Max Oszczędnościowe is 4.60% per year, but it only applies to new funds up to PLN 300,000. Money above that limit, money that does not count as new, and all money after the promotion ends earn the standard rate, currently 0.38% per year (the bank calculates it as ½ of the NBP reference rate minus 1.5 percentage points). That is an important distinction if you plan to deposit a larger sum.

Interest is capitalized once a month.

More importantly, the 4.60% rate is conditional. In the current 6th edition of the promotion (sign-up from 14.10.2026 to 24.11.2026) the bank pays two rates on new funds: 2% per year with no extra conditions, and 4.60% (the bonus rate) in any month in which you make card or BLIK transactions totalling at least PLN 500 from a personal account you hold. In practice, keep three things in mind:

• the funds must be new - the bank counts them as the surplus over the sum of your PLN balances (accounts, deposits and Konto Max Oszczędnościowe) on the verification date of 9.10.2026, so simply moving money you already hold at Alior Bank is not enough,
• to get 4.60% you must make card or BLIK transactions of at least PLN 500 every month; without them, new funds earn 2%,
• the promotion lasts 3 months from the date the new funds are credited - after that, and from the start on any amount above PLN 300,000, the standard rate of 0.38% applies.

In other words, 4.60% isn't a rate you get "just for opening a savings account" - it's a reward for bringing new money to the bank and paying regularly by card or BLIK for the whole promotional period.

Terms and fees

Alior Bank charges no fee for maintaining Konto Max Oszczędnościowe (PLN 0) – standard for savings accounts on this market, though it matters most once the promotional rate expires and the only rate left is the low 0.38%.

Konto Max Oszczędnościowe can also be opened without a personal account at Alior Bank - the bank says so explicitly on the product page. It can only be held as an individual account, not a joint one. The 4.60% bonus-rate condition, however, refers to card or BLIK transactions from a personal account, so without an account with a card the top rate is out of reach.

The first transaction in a calendar month (for example a transfer to another bank via online banking) is free. Every further transfer in the same month costs PLN 10 for a transfer to another bank via online or mobile banking, and PLN 9 for an internal transfer within Alior Bank - worth factoring in if you plan to move money frequently.

Pros and cons

Pros:

• Up to 4.60% per year on new funds up to PLN 300,000
• No account maintenance fee
• Monthly interest capitalization
• High balance threshold covered by the promotional rate

Cons:

• The 4.60% rate applies only to new funds and only for 3 months
• The full rate requires at least PLN 500 in card/BLIK transactions every month (otherwise 2%)
• After 3 months or above the PLN 300,000 limit, the rate drops to 0.38%
• The second and each further transfer in a month costs PLN 9-10

Verdict

Konto Max Oszczędnościowe can be an attractive option if you have new money to deposit and are willing to pay regularly by card or BLIK (at least PLN 500 a month) - in that scenario, 4.60% for 3 months on new funds up to PLN 300,000 is a high rate with no lock-in. But if you don't want to meet the transaction condition, new funds earn 2%, and after the promotion or above PLN 300,000 the real underlying rate of 0.38% makes this offer far less appealing - in that case it's worth comparing it against accounts without a promotional time limit.