Edition: Best “new money” deposits and savings rates in Poland — October 2026Updated every month
Short answer: Top pick in our October 2026 ranking: Pekao — Konto Oszczędnościowe, scored 7.9/10. It pays 5.7% (promotional rate) for 92 dni on balances up to PLN 100,000. Its promotion ended 22 October 2026 — confirm current terms with the provider. We compared 8 products; data checked 30 September 2026. Second place: Alior — Konto Max Oszczędnościowe (6.9/10).
Best “new money” deposits and savings rates in Poland — October 2026 ranking
Data checked 30 September 2026
Several banks in Poland are currently offering higher rates to savers who bring in money that was not already held with them, often described in the account terms as a "new money" deposit. These offers come as either standalone fixed-term deposits or savings accounts with a temporary promotional rate.
The ranking below reflects published scores based on a mix of rate, balance cap and how clearly each provider sets out its terms. The order is fixed and should not be read as a simple comparison of headline rates alone, since some products with a higher rate score lower overall because other details are missing from the provider’s published materials.
Where a provider has not published a figure, such as a post-promotion rate or a balance cap, this is noted rather than assumed. Readers moving savings to capture one of these rates should check the current terms directly with the provider before transferring funds.
Promotion ended . We checked these figures before that date and they may no longer apply — confirm the current terms with the provider. The next edition will re-rank this list.
Pekao — Konto Oszczędnościowe
Highest-scoring option on this list, with a clearly stated promotional rate and balance cap.
- 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 funds, described by the provider as promotional.
- The promotional rate applies to balances up to PLN 100,000 for a period of „92 dni”.
- After the promotional window, the account reverts to a published standard rate of 3%.
Watch out for
- The promotional rate is scheduled to run until 22 October 2026; check current terms before moving funds.
- Balances above PLN 100,000 earn the standard rate even during the promotional period.
Promotion ended . We checked these figures before that date and they may no longer apply — confirm the current terms with the provider. The next edition will re-rank this list.
Alior — Konto Max Oszczędnościowe
A promotional savings account with a clear new-money rate but a short qualifying window.
- 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% for new funds, described by the provider as promotional.
- Covers balances up to PLN 200,000 for a period of „3 miesiące”.
- The post-promotion standard rate of 0.38% is published clearly, unlike some other products on this list.
Watch out for
- Offer scheduled to end 13 October 2026; check the provider’s site for current status.
- The standard rate of 0.38% is notably lower than the promotional rate, so the account’s value depends on staying within the promotional window.
Alior — Lokata na nowe środki w złotych 182 dni
A fixed-term deposit for new funds with a single published standard rate rather than a promotional one.
- 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 listed as a standard rate rather than a temporary promotion.
- Covers balances up to PLN 200,000.
- Term is fixed at „182 days”.
Watch out for
- No separate promotional uplift is published for this deposit, so readers should check whether other products from the same provider offer a higher new-money rate.
- Funds are committed for „182 days”; early withdrawal terms are not listed here and should be checked directly.
mBank — eKonto oszczędnościowe (Sezon na oszczędzanie)
A promotional savings account with the highest published balance cap on this list.
- 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%, described by the provider as promotional.
- Covers balances up to PLN 500,000.
- Promotional period runs for „90 dni”.
Watch out for
- Offer scheduled to end 20 January 2027; the rate that applies after this date is not published here.
- Because the post-promotion rate isn’t listed, readers should check the provider’s terms before relying on any longer-term figure.
BNP Paribas — Twoja Lokata na nowe środki 4M
A fixed-term deposit for new money with a flat, standard rate for the whole term.
- Interest rate
- 4%
- Rate type
- standard
- Rate period
- 4 months
Why it ranks here
- Rate of 4% applies as a standard rate for the full term.
- Term is fixed at „4 months”.
Watch out for
- No balance cap is published for this deposit, so readers should check the provider’s terms for any maximum qualifying amount.
- As a fixed-term product, funds are committed for „4 months” with early withdrawal conditions not listed here.
Promotion ended . We checked these figures before that date and they may no longer apply — confirm the current terms with the provider. The next edition will re-rank this list.
BNP Paribas — Konto Lokacyjne
A promotional savings account with a defined end date and balance cap.
- 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%, described by the provider as promotional.
- Covers balances up to PLN 200,000.
- Promotional period described by the provider as „do 30.10.2026 r.”.
Watch out for
- Offer scheduled to end 30 October 2026; the rate after this date is not published here.
- Readers should check the provider’s terms for the standard rate that applies once the promotion ends.
Santander Consumer Bank — Lokata mobilna nowe środki 4M
A short fixed-term deposit for new funds with a published balance cap.
- Interest rate
- 3.75%
- Balance covered
- PLN 100,000
- Rate period
- 4 months
Why it ranks here
- Rate of 3.75% applies for the term.
- Covers balances up to PLN 100,000.
- Term is fixed at „4 months”.
Watch out for
- The materials used here don’t specify whether this is a promotional or standard rate, so check the account terms directly.
- Funds are committed for „4 months”; early withdrawal terms are not listed here.
Santander Consumer Bank — Lokata mobilna nowe środki 12M
A longer fixed-term deposit for new funds, with the lowest rate on this list.
- Interest rate
- 3.6%
- Balance covered
- PLN 400,000
- Rate period
- 12 months
Why it ranks here
- Rate of 3.6% applies for the term.
- Covers balances up to PLN 400,000.
- Term is fixed at „12 months”.
Watch out for
- The longer term of „12 months” means funds stay committed for longer than the other deposits listed here.
- As with the shorter-term version from the same provider, it isn’t confirmed whether this is a promotional or standard rate.
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 (Sezon na oszczędzanie) | 4.4% | promotional | PLN 500,000 | 90 dni | 6.8 |
| 5 | BNP Paribas — Twoja Lokata na nowe środki 4M | 4% | standard | not disclosed | 4 months | 6.4 |
| 6 | BNP Paribas — Konto Lokacyjne | 3.75% | promotional | PLN 200,000 | do 30.10.2026 r. | 6.2 |
| 7 | Santander Consumer Bank — Lokata mobilna nowe środki 4M | 3.75% | not disclosed | PLN 100,000 | 4 months | 6.2 |
| 8 | Santander Consumer Bank — Lokata mobilna nowe środki 12M | 3.6% | not disclosed | PLN 400,000 | 12 months | 6.1 |
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 for these offers?
It generally refers to funds that were not already held with that bank, as described in each provider’s own terms. Exact eligibility rules vary, so check the account terms before moving savings.
What happens when the promotional period ends?
Some accounts publish a standard rate that applies afterwards, such as 3% for the Pekao account or 0.38% for the Alior account. Others do not publish a follow-on rate, so check the provider’s terms for what applies once the offer ends.
Is there a maximum balance that earns the advertised rate?
Most of these products list a balance cap, such as PLN 100,000, PLN 200,000, PLN 200,000, PLN 500,000, PLN 200,000, PLN 100,000 or PLN 400,000. Amounts above the stated cap may earn a different rate.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
