Konto Lokacyjne z Kontem Otwartym na Ciebie

In short: BNP Paribas's Konto Lokacyjne pays 3.75% a year, but only on New Funds up to PLN 200,000 and only until 30.10.2026, which is about two weeks from today. Any amount above the limit, money that does not count as new, and everything after the promotion ends earns the standard rate of 0.19%. You can open the account only if you have a personal current account at BNP Paribas.

Who this account is for

Konto Lokacyjne is a BNP Paribas savings account with access to your money at any time: a withdrawal does not cost you the interest already accrued. The bank requires you to have a personal current account at BNP Paribas. The page our link leads to offers Konto Otwarte na Ciebie for that purpose, advertised as "PLN 0 per month for running the account".

The offer makes sense for someone moving money from another bank who wants to earn on it until the end of October, with the option to withdraw at any time.

Interest rate

• 3.75% a year: the promotional rate from 3.08.2026 to 30.10.2026, for funds up to PLN 200,000 equal to the amount of New Funds.
• 0.19% a year: the standard, variable rate. It applies to the part above PLN 200,000, to funds that are not New Funds, and to all funds after the promotion ends.

The definition of New Funds is what matters. The bank counts them as the amount by which the combined balance of your BNP Paribas accounts exceeds the Opening Balance, meaning the balance of those accounts at the end of 27 July 2026. These accounts include current accounts, savings accounts and term deposits held under the same agreement. If you had no BNP Paribas accounts on 27 July 2026, the Opening Balance is PLN 0.

The promotional rate can apply to only one Konto Lokacyjne under the same agreement. Interest is capitalised monthly: it is credited on the first business day after the month it relates to.

Against the market: among the 10 savings account offers in our comparison (as of 15.10.2026) this one ranks 9th. The median is 4.93%, and the highest rate is 6.5% on Crédit Agricole's Rachunek Oszczędzam Plus. This is a comparison with offers listed on BankSorter, not with the whole market. We compare headline rates, and the conditions for getting them differ between banks.

We did the maths

Assumptions: PLN 10,000 of New Funds, a 365-day year, 19% tax on interest. The bank deducts tax at each capitalisation, so the result is approximate.

• The last 15 days of the promotion at 3.75%: PLN 10,000 × 3.75% × 15/365 = PLN 15.41 gross interest. Tax PLN 2.93, net PLN 12.48.
• 30 days after the promotion at 0.19%: PLN 1.56 gross, tax PLN 0.30, net PLN 1.26.

The promotional rate is almost twenty times the standard one. So after 30.10.2026 it is worth checking whether the bank has announced a new promotion, or moving the money.

Terms and fees

• PLN 0 for opening and running the account.
• The first transfer each month costs PLN 0. Each further transfer to your own BNP Paribas accounts ordered in online banking costs PLN 5. Each further domestic transfer to another bank costs PLN 12.
• The first cash withdrawal each month costs PLN 0, each further one PLN 12.
• Standing orders and direct debits are not available.
• You can open the account in GOonline banking, in the GOmobile app, by phone with a consultant or at a branch.

Not for you if…

• you plan to keep money there after 30.10.2026: from then on the rate is 0.19%,
• the money you want to pay in was already at BNP Paribas on 27 July 2026: it does not increase your New Funds,
• you withdraw money several times a month: each further transfer costs PLN 5 or PLN 12,
• you do not have a personal current account at BNP Paribas and do not want to open one.

Watch out for

• A transfer from your BNP Paribas current account to Konto Lokacyjne does not create New Funds, because the bank counts the combined balance of all your accounts under the agreement.
• The promotion ends on 30.10.2026, and the 0.19% standard rate is variable.
• Only the first transfer and the first cash withdrawal each month are free.

Summary

The real rate is 3.75% only on New Funds up to PLN 200,000 and only until 30.10.2026. Everything else earns 0.19%. It is a short window for someone who already has, or is opening, a personal account at BNP Paribas and brings money in from outside the bank. As a place for longer-term savings, at the current standard rate, the offer does not hold up.

As of 15 October 2026. Offer terms change, so check them with BNP Paribas Bank Polska before you apply.