Data checked 23 September 2026
This month’s roundup looks at app-based savings accounts available to people in Poland, comparing options in both PLN and EUR. All four products come from Revolut and N26, two of the larger fintech providers operating in the market.
Because these are app-only accounts, the deposit guarantee scheme that applies depends on which licence the provider uses to operate, not on the currency of the account. This is worth checking directly with the provider before comparing headline rates.
The ranking below reflects published scores based on a fixed set of weighted criteria. A lower score generally means the provider has left some details unpublished, which counts against it, rather than meaning the account is unsuitable.
Revolut — Konto oszczędnościowe PLN
Revolut’s standard PLN savings account combines a straightforward rate structure with a modest overall score.
- Interest rate
- 3.25%
- Rate type
- standard
- Balance covered
- not published
- Rate period
- not published
Why it ranks here
- Interest rate is listed at 3.25%, described as a standard rate.
- Deposits are covered under the „DGS” guarantee scheme.
- This is the base savings option within Revolut’s PLN range, without a premium plan attached.
Watch out for
- The overall score of 5.8/10 is mid-range, which typically reflects some unpublished figures elsewhere in the terms.
- Readers should check Revolut’s current terms directly for any conditions on the rate.
Revolut — Revolut Ultra – Oszczędności (PLN)
The Ultra-tier version offers the same headline rate as the standard account but sits within a different account plan.
- Interest rate
- 3.25%
- Rate type
- standard
- Balance covered
- not published
- Rate period
- not published
Why it ranks here
- Interest rate is also listed at 3.25%, again a standard rate.
- Falls under the same „DGS” guarantee arrangement as the standard PLN account.
- Positioned as part of Revolut’s higher account tier structure.
Watch out for
- The score of 5.8/10 suggests some plan-specific details, such as tier fees, are not fully published.
- Any differences from the standard account beyond the savings rate itself are not confirmed in the published facts, so terms should be checked directly.
Revolut — Revolut Metal – Oszczędności (PLN)
The Metal-tier savings account carries a slightly lower rate than the other Revolut PLN options.
- Interest rate
- 3%
- Rate type
- standard
- Balance covered
- not published
- Rate period
- not published
Why it ranks here
- Interest rate is listed at 3%, described as a standard rate.
- Sits within Revolut’s Metal account tier.
- Covered by the same „DGS” guarantee scheme as the other Revolut PLN accounts listed here.
Watch out for
- The score of 5.6/10 is the lowest among the Revolut accounts in this comparison, again pointing to gaps in published detail.
- The rate is lower than the standard and Ultra accounts, so the reason for this difference should be confirmed with Revolut directly.
N26 — N26 Instant Savings
N26’s Instant Savings account is a EUR-denominated option with the lowest score in this comparison.
- Interest rate
- 1.5% (EUR)
- Rate type
- standard
- Balance covered
- not published
- Rate period
- not published
Why it ranks here
- Interest rate is listed at 1.5% (EUR), described as a standard rate.
- Deposits are covered under the „German Deposit Guarantee Scheme”.
- Offered in EUR rather than PLN, which may suit readers already holding euro balances.
Watch out for
- The score of 4.3/10 is the lowest of the four accounts, indicating that a number of details are not published.
- Because the guarantee scheme differs from the Revolut accounts here, readers should confirm exactly how it applies to their situation before comparing directly with PLN accounts.
Side by side
| # | Product | Interest rate | Rate type | Balance covered | Rate period | Score |
|---|---|---|---|---|---|---|
| 1 | Revolut — Konto oszczędnościowe PLN | 3.25% | standard | not published | not published | 5.8 |
| 2 | Revolut — Revolut Ultra – Oszczędności (PLN) | 3.25% | standard | not published | not published | 5.8 |
| 3 | Revolut — Revolut Metal – Oszczędności (PLN) | 3% | standard | not published | not published | 5.6 |
| 4 | N26 — N26 Instant Savings | 1.5% (EUR) | standard | not published | not published | 4.3 |
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
Why do these accounts have different deposit guarantee schemes?
The scheme depends on the licence the provider uses to operate, not on the account currency. Revolut’s PLN accounts here fall under the „DGS” scheme, while N26’s account falls under the „German Deposit Guarantee Scheme”. Readers should check which scheme applies to their specific account with the provider.
Why do two Revolut accounts have the same interest rate but different scores?
The score reflects a wider set of published criteria beyond the interest rate alone, including how much detail the provider makes available. Two accounts can share a rate while differing in what else is disclosed.
Is a EUR account comparable to a PLN account for someone based in Poland?
They are not directly comparable without accounting for currency exposure and any conversion costs, which are not covered in the published facts here. This is something to raise with the provider directly.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
