Edition: Best business savings accounts and deposits in Poland — October 2026Updated every month
Short answer: Top pick in our October 2026 ranking: Erste — Lokata Biznes na Start, scored 7.9/10. It pays 4.5% (standard rate) for 3 months on balances up to PLN 200,000. We compared 8 products; data checked 25 September 2026. Second place: Nest Bank — BIZnest Konto Oszczędnościowe (6.7/10).
Best business savings accounts and deposits in Poland — October 2026 ranking
Data checked 25 September 2026
This month’s roundup compares business savings accounts and term deposits available to sole traders and companies in Poland, ranked by published score. The list covers standard and promotional rates, the rate period each offer applies for, and how much of a balance is covered under the stated terms.
Some providers publish fuller details than others. Where a balance coverage figure or follow-on rate is missing from the provider’s published information, this is noted rather than assumed, because a missing figure usually counts against a product’s score.
Readers comparing these products should check each provider’s current terms directly, since promotional periods and offer end dates can change.
Erste — Lokata Biznes na Start
Top-ranked deposit combining a standard rate with reasonable balance coverage.
- Interest rate
- 4.5%
- Rate type
- standard
- Balance covered
- PLN 200,000
- Rate period
- 3 months
Why it ranks here
- Offers an interest rate of 4.5% as a standard rate for „3 months”.
- Balance up to PLN 200,000 is covered under the stated terms.
Watch out for
- The rate applies only for „3 months”; what happens afterwards is not stated here, so check the provider’s terms.
- Confirm reinvestment conditions directly with Erste.
Nest Bank — BIZnest Konto Oszczędnościowe
Second-ranked account with a high promotional rate but more limited balance coverage.
- Interest rate
- 6.1%
- Rate type
- promotional
- Balance covered
- PLN 25,000
- Rate period
- 90 dni od otwarcia Rachunku
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Promotional rate of 6.1% applies for „90 dni od otwarcia Rachunku”.
- Deposits are protected under the „BFG” guarantee scheme.
- Balance covered up to PLN 25,000.
Watch out for
- After the promotional period, the rate drops to the standard 2%.
- The covered balance of PLN 25,000 is lower than several other products in this list.
Alior — Lokata NA NOWE ŚRODKI w PLN 92D
Third-ranked deposit for new funds, with wide balance coverage.
- Interest rate
- 3.1%
- Rate type
- standard
- Balance covered
- PLN 10,000,000
- Rate period
- 3 months
Why it ranks here
- Standard rate of 3.1% applies for „3 months”.
- Balance coverage up to PLN 10,000,000 is notably high among the products compared here.
Watch out for
- This offer applies to new funds only; whether existing balances qualify should be confirmed with Alior.
Alior — Lokata NA NOWE ŚRODKI w PLN 122D
Fourth-ranked deposit, similar structure to Alior’s shorter-term option but with a longer term.
- Interest rate
- 3%
- Rate type
- standard
- Balance covered
- PLN 10,000,000
- Rate period
- 4 months
Why it ranks here
- Standard rate of 3% applies for „4 months”.
- Balance coverage up to PLN 10,000,000 matches the shorter-term version.
Watch out for
- The rate is slightly lower than the shorter-term Alior deposit, so the two terms are worth comparing directly.
Pekao — Konto Oszczędnościowe Biznes
Mid-table account with a promotional rate that reverts to a much lower standard rate.
- Interest rate
- 3%
- Rate type
- promotional
- Balance covered
- PLN 200,000
- Rate period
- 92 dni
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Promotional rate of 3% applies for „92 dni”.
- Balance covered up to PLN 200,000.
Watch out for
- The rate falls to 0.5% after the promotional period ends.
- The offer is stated to end on 31 December 2026; current availability should be checked with Pekao.
Erste — Lokata Biznes Premia (3 miesiące)
Lower-ranked Erste deposit with a modest standard rate.
- Interest rate
- 3%
- Rate type
- standard
- Rate period
- 3 months
Why it ranks here
- Standard rate of 3% applies for „3 months”.
Watch out for
- No balance coverage figure is published for this product, which counts against its score.
- Readers should check Erste’s terms for coverage details.
PKO BP — Lokata terminowa dla firm i przedsiębiorstw 12M
Longer-term PKO BP deposit with a lower standard rate.
- Interest rate
- 2%
- Rate type
- standard
- Rate period
- 12 months
Why it ranks here
- Standard rate of 2% applies for „12 months”.
Watch out for
- No balance coverage figure is published, which counts against its score.
- Funds are committed for „12 months”, longer than most other options compared here.
PKO BP — Lokata terminowa dla firm i przedsiębiorstw 6M
Lowest-ranked deposit in this comparison, with the smallest published standard rate.
- Interest rate
- 1.75%
- Rate type
- standard
- Rate period
- 6 months
Why it ranks here
- Standard rate of 1.75% applies for „6 months”.
Watch out for
- No balance coverage figure is published, which counts against its score.
- The rate is the lowest among the products compared here.
Side by side
| # | Product | Interest rate | Rate type | Balance covered | Rate period | Score |
|---|---|---|---|---|---|---|
| 1 | Erste — Lokata Biznes na Start | 4.5% | standard | PLN 200,000 | 3 months | 7.9 |
| 2 | Nest Bank — BIZnest Konto Oszczędnościowe | 6.1% | promotional | PLN 25,000 | 90 dni od otwarcia Rachunku | 6.7 |
| 3 | Alior — Lokata NA NOWE ŚRODKI w PLN 92D | 3.1% | standard | PLN 10,000,000 | 3 months | 6.7 |
| 4 | Alior — Lokata NA NOWE ŚRODKI w PLN 122D | 3% | standard | PLN 10,000,000 | 4 months | 6.6 |
| 5 | Pekao — Konto Oszczędnościowe Biznes | 3% | promotional | PLN 200,000 | 92 dni | 5.6 |
| 6 | Erste — Lokata Biznes Premia (3 miesiące) | 3% | standard | not disclosed | 3 months | 5.6 |
| 7 | PKO BP — Lokata terminowa dla firm i przedsiębiorstw 12M | 2% | standard | not disclosed | 12 months | 4.7 |
| 8 | PKO BP — Lokata terminowa dla firm i przedsiębiorstw 6M | 1.75% | standard | not disclosed | 6 months | 4.5 |
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 the score for each product mean?
The score reflects a fixed weighting across published rates, terms and balance coverage. It is not an estimate of future performance.
Why do some products have fewer details listed?
Where a provider has not published a figure, such as balance coverage, this is stated plainly rather than assumed, and it is reflected in a lower score.
Do promotional rates last for the whole deposit term?
No. Promotional rates apply only for the stated rate period and typically revert to a lower standard rate afterwards, as noted for each product.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
