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Compare savings accounts in Poland

Found 10 offers · 9 institutions · data as of 31 Oct 2026 · Sorted by: Interest rate

See the ranking of the best savings accounts

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Offer data checked: 31 Oct 2026 · How we compare

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★ #1 Best offer

UniCredit

Konto oszczędnościowe

✓ Interest rate up to: 2.50% ✓ Capitalization: monthly ✓ No account fee

PLN For Beginners No Min. Deposit Verified 31 Oct 2026 ▸ 10 hours ago

2.50%

interest rate

BFG guarantee up to EUR 100,000

Apply - 2.50%

Estimated profit for 10,000 PLN over 365 days: +400.00 PLN (324.00 PLN net of the Belka tax (19%))

Estimate: simple interest, no capitalisation.

Santander Consumer Bank

Rachunek oszczędnościowy

✓ Interest rate up to: 3.50%

PLN For Beginners New Verified 31 Oct 2026 ▸ 9 hours ago

3.50%

interest rate

BFG guarantee up to EUR 100,000

Apply - 3.50%

Estimated profit for 10,000 PLN over 365 days: +350.00 PLN (283.50 PLN net of the Belka tax (19%))

Estimate: simple interest, no capitalisation.

BNP Paribas Bank Polska

Konto Lokacyjne z Kontem Otwartym na Ciebie

✓ Interest rate up to: 3.75%

PLN Verified 31 Oct 2026 ▸ Max: 200,000 PLN ▸ 9 hours ago

3.75%

interest rate

BFG guarantee up to EUR 100,000

Apply - 3.75%

Estimated profit for 10,000 PLN over 365 days: +375.00 PLN (303.75 PLN net of the Belka tax (19%))

Estimate: simple interest, no capitalisation.

mBank

eKonto oszczędnościowe

✓ Interest rate up to: 4.50% ✓ Capitalization: monthly ✓ No account fee

PLN For Beginners No Min. Deposit Verified 31 Oct 2026 ▸ 10 hours ago

4.50%

interest rate

BFG guarantee up to EUR 100,000

Open savings account

Estimated profit for 10,000 PLN over 365 days: +109.73 PLN (88.88 PLN net of the Belka tax (19%))

Estimate: simple interest, no capitalisation.

Alior Bank

Konto Max Oszczędnościowe

✓ Interest rate up to: 4.60% ✓ Capitalization: monthly ✓ No account fee

PLN For Beginners No Min. Deposit Verified 31 Oct 2026 ▸ 10 hours ago

4.60%

interest rate

BFG guarantee up to EUR 100,000

Open savings account

Estimated profit for 10,000 PLN over 91 days: +114.68 PLN (92.89 PLN net of the Belka tax (19%))

The promo lasts 91 days and the bank does not publish the rate after it - so this covers the promo period only, not 12 months.

Estimate: simple interest, no capitalisation.

mBank

Konto oszczędnościowe Moje cele

✓ Interest rate up to: 5.30% ✓ Interest paid monthly ✓ No maintenance fee ✓ Withdrawals: first each month free, then PLN 9

PLN For Beginners New Verified 31 Oct 2026 ▸ 10 hours ago

5.30%

interest rate

BFG guarantee up to EUR 100,000

Apply - 5.30%

Estimated profit for 10,000 PLN over 180 days: +261.37 PLN (211.70 PLN net of the Belka tax (19%))

The promo lasts 180 days and the bank does not publish the rate after it - so this covers the promo period only, not 12 months.

Estimate: simple interest, no capitalisation.

Bank Millennium

Konto Oszczędnościowe Profit

✓ Interest rate up to: 5.50% ✓ Capitalization: monthly ✓ No account fee

PLN For Beginners No Min. Deposit Verified 31 Oct 2026 ▸ 10 hours ago

5.50%

interest rate

BFG guarantee up to EUR 100,000

Open savings account

Estimated profit for 10,000 PLN over 91 days: +137.12 PLN (111.06 PLN net of the Belka tax (19%))

The promo lasts 91 days and the bank does not publish the rate after it - so this covers the promo period only, not 12 months.

Estimate: simple interest, no capitalisation.

Bank Pekao

Konto oszczędnościowe

✓ Interest rate up to: 6.00% ✓ Capitalization: monthly ✓ No account fee

PLN For Beginners No Min. Deposit Verified 31 Oct 2026 23 people clicked this month ▸ 9 hours ago

6.00%

interest rate

BFG guarantee up to EUR 100,000

Open savings account

Estimated profit for 10,000 PLN over 92 days: +151.23 PLN (122.49 PLN net of the Belka tax (19%))

The promo lasts 92 days and the bank does not publish the rate after it - so this covers the promo period only, not 12 months.

Estimate: simple interest, no capitalisation.

VeloBank

"Nowe środki na Elastycznym Koncie Oszczędnościowym"

✓ Interest rate up to: 6.00% ✓ Capitalization: monthly ✓ No account fee

PLN For Beginners No Min. Deposit Verified 31 Oct 2026 ▸ 9 hours ago

6.00%

interest rate

BFG guarantee up to EUR 100,000

Open savings account

Estimated profit for 10,000 PLN over 92 days: +151.23 PLN (122.49 PLN net of the Belka tax (19%))

The promo lasts 92 days and the bank does not publish the rate after it - so this covers the promo period only, not 12 months.

Estimate: simple interest, no capitalisation.

Crédit Agricole

Rachunek Oszczędzam Plus

✓ Interest rate up to: 6.50% ✓ Capitalization: monthly ✓ No account fee

PLN Highest rate For Beginners Verified 31 Oct 2026 ▸ 10 hours ago

6.50%

interest rate

BFG guarantee up to EUR 100,000

Apply - 6.50%

Estimated profit for 10,000 PLN over 100 days: +178.08 PLN (144.24 PLN net of the Belka tax (19%))

The promo lasts 100 days and the bank does not publish the rate after it - so this covers the promo period only, not 12 months.

Estimate: simple interest, no capitalisation.

Editors' pick - Top 3

Crédit Agricole - Rachunek Oszczędzam Plus

Bank Pekao - Konto oszczędnościowe

VeloBank - "Nowe środki na Elastycznym Koncie Oszczędnościowym"

See the full ranking - October 2026 →

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Both offers are computed over the same period: the shorter of their promo or deposit terms, up to a year. Gross, simple interest, no capitalisation.

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Lowest and highest interest rate among active offers in this category, at the end of each month.

Guide: Savings accounts

How a savings account works, how it differs from a term deposit, and what to check before choosing an offer from the ranking below.

Check whether the high rate applies only to new funds

The top rates in rankings are often promotional and apply only to funds that were not previously held at that bank, usually for just a few months. Check the terms to see how long the promotion lasts and what rate applies afterward.

Calculate your return after the Belka tax, not before it

Interest is automatically reduced by 19% income tax, so the real return is lower than the advertised nominal rate. When comparing offers, calculate the estimated after-tax return, for example using the calculator on the page.

Mind the BFG guarantee limit on large amounts

The BFG guarantee covers up to the equivalent of EUR 100,000 per depositor per bank, counting all accounts at that institution together. If your savings approach this limit, consider spreading them across accounts at several different banks.

Check the capitalization schedule and withdrawal conditions

More frequent interest capitalization (e.g. monthly instead of yearly) gives a slightly higher return at the same nominal rate. Also check the fee schedule to see whether withdrawals are free and whether making a withdrawal in a given month reduces the interest credited.

Read the terms before opening an account

Promotion conditions, rules for changing the interest rate, any requirement to hold a current account at the same bank, and free-transfer limits vary between offers and aren't always visible in the advertised rate. The specific offer's terms and fee schedule are the only binding source for this information.

Frequently asked questions

A savings account is a bank account that combines the flexibility of a current account with interest similar to a term deposit. You can deposit and withdraw money at any time, and the balance earns interest at a rate set by the bank. Unlike an ordinary checking account (ROR), which usually earns no interest, a savings account is meant for holding spare funds.

With a savings account, funds remain available at any time and interest is added periodically (e.g. monthly) according to the bank's schedule. With a term deposit, money is locked for a fixed period and interest is usually paid only at the end of it; breaking the deposit early usually means losing some or all of the interest. Savings account rates are also usually variable and can change during the agreement, while term deposits often have a fixed rate for the whole period.

Deposits at domestic banks (headquartered in Poland) are covered by the mandatory guarantee scheme of the Bank Guarantee Fund (BFG) up to the zloty equivalent of EUR 100,000 per depositor per bank; all accounts held by the same person at one bank are added together toward this limit. Branches of banks from other EU countries operating in Poland are not covered by the BFG: their customers are protected by the guarantee scheme of the country where the bank is headquartered, also up to EUR 100,000. If a bank becomes insolvent, the BFG pays out guaranteed funds no later than 7 business days after the guarantee condition is met (this period can be extended in cases set out in the BFG act).

Interest from a savings account is subject to a flat 19% income tax, the so-called 'Belka tax.' The bank withholds it automatically each time interest is credited and pays out the amount already net of tax, so you don't need to declare it separately in your tax return. There is no tax-free threshold; the exemption applies only to income from accounts with a statutory retirement purpose, such as IKE or IKZE.

This depends on the specific bank's offer; interest is most often capitalized (added to the balance) monthly or quarterly, according to that product's terms. More frequent capitalization gives a slightly higher real return at the same nominal rate, though the yearly difference is usually small. The exact capitalization schedule for a given offer is stated in the bank's terms and interest-rate table.

Banks often offer a higher, promotional rate only on funds that were not previously held in the customer's accounts at that bank (so-called 'new funds'), and usually only for a limited time (e.g. a few months). Once the promotional period ends, or once the amount covered by the promotion is exceeded, the rate drops to the bank's standard, lower rate. The promotion's conditions (amount limit, duration, definition of new funds) vary between banks and must be checked in the specific offer's terms.

Yes, savings account rates are usually variable, and banks' terms allow the rate to be raised or lowered during the agreement, most often linked to changes in NBP interest rates or market rates (e.g. WIBOR). The bank must notify the customer in advance of material changes to the terms or fee schedule, and the customer usually has the right to reject the changes and terminate the agreement. The exact rules and deadlines are set by the specific bank's terms.

Not necessarily - the rules vary between banks. Some banks offer one free transfer or withdrawal per month, with further transactions charged according to the fee schedule. In some offers, making a withdrawal in a given month can also reduce or zero out the interest accrued for that month. Always check the withdrawal conditions and their effect on the interest rate in the terms and fee schedule of the chosen offer before opening the account.

It depends on the bank and the specific offer - some institutions require holding a current account (ROR) with them, while others allow opening a savings account on its own, without that requirement. This must be checked individually in the terms of the given offer before applying.

The deposited amount (principal) is not at nominal risk - at a domestic bank it is covered by the BFG guarantee up to EUR 100,000 (at a branch of a bank from another EU country, by the guarantee scheme of the bank's home country up to the same limit), and the bank cannot take more from the account than the fees set out in its terms. However, the real value of savings can fall if inflation is higher than the after-tax interest rate - in that case, the accumulated money buys less than it did at the time of deposit, even though the nominal balance keeps growing.

If a consumer bank account agreement was concluded at a distance (e.g. online) or away from the bank's premises, the customer has - under the Polish Consumer Rights Act - the right to withdraw from it within 14 days without giving a reason and without extra cost. The exact procedure for submitting the withdrawal statement (e.g. in writing, electronically) is set out in the given bank's terms and agreement, so it is worth checking them when opening the account.

Yes, there is no legal limit on the number of savings accounts a person can hold across different banks. For people with larger savings this is also a way to make fuller use of the BFG guarantee: the EUR 100,000 limit is calculated separately for each institution where the client holds funds, not jointly across all of a person's savings.

Compare savings accounts in Poland

Editors' pick - Top 3

How rates changed over the last year

Guide: Savings accounts

Check whether the high rate applies only to new funds

Calculate your return after the Belka tax, not before it

Mind the BFG guarantee limit on large amounts

Check the capitalization schedule and withdrawal conditions

Read the terms before opening an account

Frequently asked questions

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