Edition: Best fintech savings accounts available in Poland (PLN and EUR) — October 2026Updated every month
Short answer: Top pick in our October 2026 ranking: bunq — bunq MassInterest PLN, scored 6.4/10. It pays 4.01% (standard rate), rate period: no end date (standard rate). We compared 8 products; data checked 29 September 2026. Second place: Revolut — Revolut Ultra - Oszczędności (5.8/10). The order comes only from the published scores, never from commission — details below.
Best fintech savings accounts available in Poland (PLN and EUR) — October 2026 ranking
Data checked 29 September 2026
This comparison looks at app-based savings accounts available to people banking in Poland, covering both PLN and EUR balances. The providers covered — bunq, Revolut and N26 — each operate under their own banking licence, so the deposit guarantee scheme attached to each account differs.
The ranking below follows the published scores for each account. These scores reflect published interest rates, rate conditions and how clearly the provider sets out its terms. A lower score usually means less information is published, not necessarily a worse rate.
Figures for interest rates and rate periods come directly from provider documentation. Where a rate is described as promotional rather than standard, this is noted, since the rate may change after a set period.
bunq — bunq MassInterest PLN
bunq’s PLN MassInterest account tops this list with the highest published score among the accounts compared.
- Interest rate
- 4.01%
- Rate type
- standard
- Rate period
- no end date (standard rate)
Why it ranks here
- Scores 6.4/10 overall, the highest in this comparison.
- Interest rate is listed as 4.01%, described as a standard rate.
- The rate period is given as „no end date (standard rate)”, meaning no fixed end date for the standard rate.
Watch out for
- The deposit guarantee cited is “Dutch deposit guarantee scheme (DGS), up to EUR 100,000”, which is a Dutch scheme rather than a Polish one; readers should check how this applies to their balance in practice.
Revolut — Revolut Ultra – Oszczędności
Revolut’s Ultra savings tier ranks second, with a standard rate and no stated end date.
- Interest rate
- 3.25%
- Rate type
- standard
- Rate period
- no end date (standard rate)
Why it ranks here
- Scores 5.8/10 overall.
- Interest rate is listed as 3.25%, described as a standard rate.
- Rate period is given as „no end date (standard rate)”, with no fixed end date mentioned.
Watch out for
- No deposit guarantee detail is listed for this account in the figures available; readers should check Revolut’s terms directly for this information.
Revolut — Revolut Metal – Oszczędności
Revolut’s Metal savings tier sits just below Ultra in this ranking.
- Interest rate
- 3%
- Rate type
- standard
- Rate period
- no end date (standard rate)
Why it ranks here
- Scores 5.6/10 overall.
- Interest rate is listed as 3%, described as a standard rate.
- Rate period is given as „no end date (standard rate)”, with no fixed end date mentioned.
Watch out for
- As with other Revolut tiers here, no deposit guarantee figure is included; this should be checked against Revolut’s own terms.
Revolut — Revolut Premium – Oszczędności
Revolut’s Premium savings tier is the lowest-scoring of the three Revolut accounts covered.
- Interest rate
- 2.25%
- Rate type
- standard
- Rate period
- no end date (standard rate)
Why it ranks here
- Scores 4.9/10 overall.
- Interest rate is listed as 2.25%, described as a standard rate.
- Rate period is given as „no end date (standard rate)”, with no fixed end date mentioned.
Watch out for
- The published rate here is the lowest of the three Revolut tiers in this list; readers comparing Revolut’s tiers should check which account tier they currently hold.
bunq — bunq MassInterest EUR
bunq’s EUR MassInterest account carries a promotional rate structure that differs from its PLN counterpart.
- Interest rate
- 3.01% (EUR)
- Rate type
- promotional
- Rate period
- 3.01% on the whole balance until the first threshold is set (1 January or 1 July); then 1.51% up to the threshold (highest balance in the previous 6 months) and 3.01% above it
Why it ranks here
- Scores 4.6/10 overall.
- Interest rate is listed as 3.01% (EUR), described as a promotional rate rather than a standard one.
- The rate period described in “3.01% on the whole balance until the first threshold is set (1 January or 1 July); then 1.51% up to the threshold (highest balance in the previous 6 months) and 3.01% above it” indicates the promotional rate applies up to a threshold, after which the rate given in 1.51% applies to the remaining balance.
Watch out for
- Because this is a promotional rather than standard rate, the terms in “3.01% on the whole balance until the first threshold is set (1 January or 1 July); then 1.51% up to the threshold (highest balance in the previous 6 months) and 3.01% above it” should be read in full to understand how and when the rate changes.
- The deposit guarantee cited is “Dutch deposit guarantee scheme (DGS), up to EUR 100,000”, the same Dutch scheme as bunq’s PLN account.
N26 — N26 Instant Savings (Metal)
N26’s Metal tier savings account scores in the middle of the lower half of this ranking.
- Interest rate
- 1.5% (EUR)
- Rate type
- standard
- Rate period
- no end date (standard rate)
Why it ranks here
- Scores 4.3/10 overall.
- Interest rate is listed as 1.5% (EUR), described as a standard rate.
- Rate period is given as „no end date (standard rate)”, with no fixed end date mentioned.
Watch out for
- No deposit guarantee figure is listed for this account; readers should check N26’s terms for this detail.
N26 — N26 Instant Savings (Go)
N26’s Go tier savings account scores lower than the Metal tier, with a lower published rate.
- Interest rate
- 0.5% (EUR)
- Rate type
- standard
- Rate period
- no end date (standard rate)
Why it ranks here
- Scores 3.4/10 overall.
- Interest rate is listed as 0.5% (EUR), described as a standard rate.
- Rate period is given as „no end date (standard rate)”, with no fixed end date mentioned.
Watch out for
- The lower score here reflects a lower published rate compared with other N26 tiers in this list; no deposit guarantee figure is included and should be checked directly.
N26 — N26 Instant Savings (Smart)
N26’s Smart tier savings account ranks last in this comparison, with the lowest published rate among the accounts listed.
- Interest rate
- 0.3% (EUR)
- Rate type
- standard
- Rate period
- no end date (standard rate)
Why it ranks here
- Scores 3.3/10 overall, the lowest in this comparison.
- Interest rate is listed as 0.3% (EUR), described as a standard rate.
- Rate period is given as „no end date (standard rate)”, with no fixed end date mentioned.
Watch out for
- This is the lowest published rate among all accounts compared here; readers should check N26’s current terms before assuming this applies to their account tier.
Side by side
| # | Product | Interest rate | Rate type | Balance covered | Rate period | Score |
|---|---|---|---|---|---|---|
| 1 | bunq — bunq MassInterest PLN | 4.01% | standard | not disclosed | no end date (standard rate) | 6.4 |
| 2 | Revolut — Revolut Ultra – Oszczędności | 3.25% | standard | not disclosed | no end date (standard rate) | 5.8 |
| 3 | Revolut — Revolut Metal – Oszczędności | 3% | standard | not disclosed | no end date (standard rate) | 5.6 |
| 4 | Revolut — Revolut Premium – Oszczędności | 2.25% | standard | not disclosed | no end date (standard rate) | 4.9 |
| 5 | bunq — bunq MassInterest EUR | 3.01% (EUR) | promotional | not disclosed | 3.01% on the whole balance until the first threshold is set (1 January or 1 July); then 1.51% up to the threshold (highest balance in the previous 6 months) and 3.01% above it | 4.6 |
| 6 | N26 — N26 Instant Savings (Metal) | 1.5% (EUR) | standard | not disclosed | no end date (standard rate) | 4.3 |
| 7 | N26 — N26 Instant Savings (Go) | 0.5% (EUR) | standard | not disclosed | no end date (standard rate) | 3.4 |
| 8 | N26 — N26 Instant Savings (Smart) | 0.3% (EUR) | standard | not disclosed | no end date (standard rate) | 3.3 |
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 rate (in the account currency)60%
- Amount the rate applies to20%
- Rate certainty20%
Questions
What does a ‘standard’ rate mean compared with a ‘promotional’ one?
A standard rate, as used for most accounts here, applies without a stated end date. A promotional rate, as with bunq’s EUR account, changes after a set period or threshold, as described in the provider’s own terms.
Is money held in these accounts protected if the provider fails?
This depends on the banking licence behind each app. For bunq’s accounts, the guarantee cited is a Dutch scheme. For other providers in this list, no guarantee figure was published, so this should be checked directly with the provider.
Why are some of these accounts listed in euros rather than złoty?
Some providers, including N26 and bunq’s second account, offer savings balances in EUR rather than PLN. Readers holding PLN should confirm which currency an account actually holds before comparing rates directly.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
