Rachunek Oszczędzam Plus

In short: Rachunek Oszczędzam Plus pays 6.5% a year for 100 days, but only on up to PLN 100,000 and only for new customers who open it together with a personal account, a debit card and marketing consents. Any amount above PLN 100,000, and the whole balance after the promotion, earns the standard rate of 0.10%. This is an offer for a short, 100-day gain, not for years of saving.

What Rachunek Oszczędzam Plus is

It is a Credit Agricole savings account in Polish zloty, available only to holders of a personal account at this bank. You can pay money in and take it out with no fixed term, as with any savings account.

The promotional 6.5% is aimed at new customers. According to the bank, the promotion covers accounts opened from 1 October to 30 November 2026, and you cannot use it if you have had an account at Credit Agricole since 1 January 2025.

Interest rate

The rate depends on the amount and on whether you meet the promotion conditions:

• up to PLN 100,000: 6.5% a year for 100 days;
• above PLN 100,000: 0.10% a year;
• standard offer (after the promotion, or on a day when you do not meet the conditions): 0.10% a year.

The promotion conditions as worded in our data: "Offer for new customers who open the savings account with a personal account, a debit card and give marketing consents. The rate applies to funds up to PLN 100,000 and lasts 100 days".

The bank spells this out on its website: you must order a card for the account and hold it throughout the promotion, and give phone and electronic marketing consents without withdrawing them. The promotion applies to Konto dla Ciebie MAX and Konto dla Ciebie Prime. The rate is fixed and interest is capitalised monthly.

Against the market: among the 10 savings accounts in our comparison (as of 15 October 2026), this offer has the highest rate, ranking 1st. The median is 4.93%, and the runner-up is VeloBank's offer at 6%. This compares offers listed on BankSorter, not the whole market, and it compares headline rates that come with different conditions and periods at each bank.

We did the maths

Assumptions: you meet the promotion conditions every day for 100 days, a year counts as 365 days, we ignore the effect of monthly capitalisation, and the tax on interest is 19% (Polish capital gains tax).

• PLN 10,000: PLN 10,000 × 6.5% × 100/365 = PLN 178.08 gross interest. The 19% tax is PLN 33.84, leaving about PLN 144.24 net.
• PLN 100,000 (the maximum covered by the promotion): PLN 1,780.82 gross, tax PLN 338.36, about PLN 1,442.46 net.
• PLN 150,000: the first PLN 100,000 earns as above, while the extra PLN 50,000 at 0.10% over the same 100 days brings only about PLN 13.70 gross.

The result is approximate: the bank withholds tax at each capitalisation, so the figures may differ by a few grosz.

Conditions and fees

Running Rachunek Oszczędzam Plus costs PLN 0. The bank notes, however, that withdrawing money from the account may be charged: the fee depends on the account type, where you withdraw and the number of withdrawals in a calendar month. Details are in Credit Agricole's account fee table.

You can open the account in the CA24 eBank online service, at a branch or at a meeting with an adviser. A personal account at Credit Agricole is required.

Not for you if

• you have had an account at Credit Agricole since 1 January 2025: the promotion does not cover you, leaving the 0.10% rate;
• you want to save at a high rate for longer than 100 days: after the promotion the standard rate is 0.10%;
• you hold much more than PLN 100,000: the excess earns only 0.10%;
• you do not want to give the bank marketing consents or order a card.

Watch out for

• The bank checks the conditions at the end of every day. If on a given day you fail even one (for example, you withdraw a consent or give up the card), you get the standard rate for that day.
• Deadline: the account must be opened under the promotion by 30 November 2026.
• Withdrawals from the account may be charged, so check the fee table before withdrawing often.

Verdict

Rachunek Oszczędzam Plus is currently the highest-paying savings account in our comparison, but the real 6.5% applies only to PLN 100,000, only for 100 days and only for new customers who keep the card and marketing consents for that whole time. On PLN 10,000 that is about PLN 144 net. After that the whole balance drops to 0.10%, so plan in advance where you will move the money after 100 days.

As of 15 October 2026. Offer terms change, so check them with Credit Agricole before applying.