Data checked 25 September 2026
This comparison looks at savings accounts and short-term deposits in Poland aimed at people bringing new money to a bank, as tracked in September 2026. Most of these products offer a promotional interest rate for a limited period, after which the rate typically reverts to a lower standard rate.
The ranking below is fixed and based on a published score that weighs the interest rate, the balance covered by that rate, the length of the promotional period, and whether the provider has published all the relevant details. A lower score usually means some information, such as a balance cap or an offer end date, has not been published by the provider.
Readers considering moving savings to any of these accounts should check the provider’s current terms directly, since promotional periods and rates can change or expire.
Pekao — Konto Oszczędnościowe
The highest-scoring new-money savings account in this comparison, with a promotional rate, a stated balance cap and a published standard rate for after the promotion.
- Interest rate
- 5.7%
- Rate type
- promotional
- Balance covered
- PLN 100,000
- Rate period
- 92 dni
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Promotional rate of 5.7% applies to new money, covering balances up to PLN 100,000 as a promotional rate.
- The rate applies for „92 dni”.
- The standard rate of 3% that follows the promotion is published, so the account’s long-term rate is not a mystery.
Watch out for
- The promotional rate is due to end on 22 October 2026, after which the standard rate applies.
- Readers should check Pekao’s terms for how balances above PLN 100,000 are treated.
Alior — Konto Max Oszczędnościowe
Second-ranked new-money account, with a wider balance cap than Pekao’s but a lower promotional rate.
- Interest rate
- 4.6%
- Rate type
- promotional
- Balance covered
- PLN 200,000
- Rate period
- 3 miesiące
Why it ranks here
- Promotional rate of 4.6% on new money, covering balances up to PLN 200,000 as a promotional rate.
- The rate applies for „3 miesiące”.
- A standard rate of 0.38% is published for after the promotion ends.
Watch out for
- The offer ends 13 October 2026; the account then moves to the standard rate.
- Balances above PLN 200,000 may be treated differently — check with Alior.
Alior — Lokata na nowe środki w złotych 182 dni
A fixed-term deposit for new money offering its published rate for the whole term rather than a temporary promotion.
- Interest rate
- 3.4%
- Rate type
- standard
- Balance covered
- PLN 200,000
- Rate period
- 182 days
Why it ranks here
- Rate of 3.4% is described as a standard rate, covering balances up to PLN 200,000.
- The term runs for „182 days”, giving a fixed rate for that period.
Watch out for
- No offer end date was published for this deposit; readers should check Alior’s terms for current availability.
- Terms for early withdrawal were not included in the facts reviewed here, so this should be confirmed before moving new money.
mBank — eKonto oszczędnościowe (Promocja Sezon na oszczędzanie)
A seasonal promotional savings account with one of the higher balance caps in this comparison.
- Interest rate
- 4.4%
- Rate type
- promotional
- Balance covered
- PLN 500,000
- Rate period
- 90 dni
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Promotional rate of 4.4% on new money, covering balances up to PLN 500,000 as a promotional rate.
- The rate applies for „90 dni”.
Watch out for
- The promotion ends 20 January 2027; readers should check what rate applies to the account afterwards.
mBank — eKonto oszczędnościowe
The standard version of mBank’s eKonto oszczędnościowe, ranked below the seasonal promotion due to a lower rate.
- Interest rate
- 4%
- Rate type
- promotional
- Balance covered
- PLN 500,000
- Rate period
- 90 dni
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Promotional rate of 4% on new money, covering balances up to PLN 500,000 as a promotional rate.
- The rate applies for „90 dni”, with the offer ending 20 January 2027.
Watch out for
- This rate is lower than mBank’s seasonal promotion (Promocja Sezon na oszczędzanie); confirm which offer applies before opening an account.
BNP Paribas — Twoja Lokata na nowe środki
A fixed-term deposit for new money with a standard rate, ranked lower due to missing published details.
- Interest rate
- 4%
- Rate type
- standard
- Rate period
- 4 months
Why it ranks here
- Rate of 4% is described as a standard rate for new money.
- The term runs for „4 months”.
Watch out for
- BNP Paribas has not published a balance cap for this deposit, which counts against its score — check with the bank.
- No offer end date is listed; confirm current availability with BNP Paribas.
BNP Paribas — Konto Lokacyjne
A promotional savings account with a defined balance cap and offer period, scored slightly below the Twoja Lokata deposit.
- Interest rate
- 3.75%
- Rate type
- promotional
- Balance covered
- PLN 200,000
- Rate period
- do 30.10.2026 r.
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Promotional rate of 3.75% on new money, covering balances up to PLN 200,000 as a promotional rate.
- The rate period is described as „do 30.10.2026 r.”.
Watch out for
- The offer ends 30 October 2026; readers should check what rate applies afterwards.
Santander Consumer Bank — Lokata mobilna nowe środki 4M
The lowest-ranked product in this comparison, a short-term deposit with fewer published details than the others.
- Interest rate
- 3.75%
- Balance covered
- PLN 100,000
- Rate period
- 4 months
Why it ranks here
- Rate of 3.75% on new money, covering balances up to PLN 100,000.
- The term runs for „4 months”.
Watch out for
- Santander Consumer Bank has not published whether this is a promotional or standard rate, nor an offer end date, which counts against its score — check the provider’s terms for current details.
Side by side
| # | Product | Interest rate | Rate type | Balance covered | Rate period | Score |
|---|---|---|---|---|---|---|
| 1 | Pekao — Konto Oszczędnościowe | 5.7% | promotional | PLN 100,000 | 92 dni | 7.9 |
| 2 | Alior — Konto Max Oszczędnościowe | 4.6% | promotional | PLN 200,000 | 3 miesiące | 6.9 |
| 3 | Alior — Lokata na nowe środki w złotych 182 dni | 3.4% | standard | PLN 200,000 | 182 days | 6.9 |
| 4 | mBank — eKonto oszczędnościowe (Promocja Sezon na oszczędzanie) | 4.4% | promotional | PLN 500,000 | 90 dni | 6.8 |
| 5 | mBank — eKonto oszczędnościowe | 4% | promotional | PLN 500,000 | 90 dni | 6.4 |
| 6 | BNP Paribas — Twoja Lokata na nowe środki | 4% | standard | not disclosed | 4 months | 6.4 |
| 7 | BNP Paribas — Konto Lokacyjne | 3.75% | promotional | PLN 200,000 | do 30.10.2026 r. | 6.2 |
| 8 | Santander Consumer Bank — Lokata mobilna nowe środki 4M | 3.75% | not disclosed | PLN 100,000 | 4 months | 6.2 |
How we rate this ranking
Each product gets a score out of 10 from the criteria below. Figures come only from the providers’ published pages; anything we could not confirm counts against the score instead of being guessed. Commission never enters the score.
- Interest rate60%
- Amount the rate applies to20%
- How long the rate lasts20%
Questions
What does "new money" mean in these offers?
It generally refers to funds that were not already held at the bank offering the promotion, such as savings transferred in from another provider. The exact definition can vary, so it is worth checking each provider’s terms.
Do these promotional rates last indefinitely?
No. Each provider states a rate period for its promotional offer, after which the account typically reverts to a standard, usually lower, rate. The offer end dates and rate periods are listed against each product above where published.
Why do some products in this list have lower scores even though the rates look similar?
The score used for this ranking also reflects whether a provider has published details such as the balance cap or the offer end date. Products that leave out this information score lower, even if the headline rate looks competitive.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
