Rachunek oszczędnościowy

In short: Santander Consumer Bank's savings account pays 3.50% a year on up to PLN 50,000 under the "Pełna Moc Oszczędności" promotion, which runs until 26.11.2026. The promotion covers all funds, with no new-money requirement and no need for a current account at this bank. The trade-off is the rate: right now it is the lowest headline rate among the savings accounts in our comparison.

Who this account is for

This is a 100% online savings account that you open without a current account at Santander Consumer Bank. You pay money in by transfer from an account at another bank and withdraw at any time without losing interest.

It suits someone who wants to keep savings outside their main bank and does not want to track any conditions: number of card payments, salary inflows or "new customer" status.

Interest rate

The rate depends on the balance and is applied in tiers. During the promotion (from 18.09.2026 to 26.11.2026) it is:

• up to PLN 50,000 inclusive: 3.50%,
• the part above PLN 50,000 up to PLN 200,000 inclusive: 3.20%,
• the part above PLN 200,000: 3.10%.

According to the promotion rules, the promotional rate is fixed, so it will not change until 26.11.2026. You qualify if you already have a savings account at this bank or open one while the promotion runs. The rate table says it directly: the promotion covers the funds on all accounts.

After the promotion the standard rate returns, and it is variable. Under today's table it is 1.90% up to PLN 50,000, 1.95% on the part from PLN 50,000 to PLN 200,000 and 2.00% on the part above PLN 200,000. The rules state that the table valid at that time will apply after the promotion, so these figures may still change.

Interest is capitalised monthly.

Against the market: among the 10 savings account offers in our comparison (as of 15.10.2026) this one ranks 10th. 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 in the account for 30 days, a 365-day year, 19% tax on interest. The bank may count days and tax at each capitalisation, so the result is approximate.

• Promotional rate of 3.50%: PLN 10,000 × 3.50% × 30/365 = PLN 28.77 gross interest. Tax PLN 5.47, net PLN 23.30.
• Standard rate of 1.90% (after the promotion, under today's table): PLN 15.62 gross, tax PLN 2.97, net PLN 12.65.

With a balance of PLN 100,000 the average promotional rate is 3.35%: the first PLN 50,000 earns 3.50% and the next PLN 50,000 earns 3.20%.

Terms and fees

• PLN 0 for running the account, no minimum deposit.
• Any number of transfers per month with no extra fees.
• Withdrawals go to a linked account, meaning an account you nominate at another bank. You can have only one such account assigned at a time, and its owner details must match those of the savings account.
• You confirm your identity with a PLN 1 transfer from your own account at another bank on the bank's list. The name and address in the transfer must match the application.
• You manage the account in the mobile app and online banking.
• Funds up to the equivalent of EUR 100,000 are guaranteed by the BFG (Polish Bank Guarantee Fund).

Not for you if…

• you are looking for the highest rate: half of the offers in our comparison pay at least 4.93%,
• you plan to keep money there beyond 26.11.2026 and count on 3.50%: after that the standard rate returns, today 1.90-2.00%,
• you want to withdraw to several different accounts: only one linked account is allowed at a time.

Watch out for

• The "Pełna Moc Oszczędności" promotion ends on 26.11.2026.
• The standard rate is variable, so the bank can change it.
• The verification transfer must come from your own account and the details must match the application. Otherwise the transfer will be rejected.

Summary

Until 26.11.2026 the real rate is 3.50% up to PLN 50,000 and 3.20% up to PLN 200,000, with no conditions at all. After that, under today's table, it drops to 1.90-2.00%. It is a sensible place for money if you value having no conditions and an account that does not require opening a current account. If the rate matters most, our comparison lists higher ones, often with extra requirements.

As of 15 October 2026. Offer terms change, so check them with Santander Consumer Bank before you apply.