Data checked 25 September 2026
This comparison looks at deposit and savings accounts aimed at sole traders and companies in Poland who want to place spare cash reserves for a defined period. Products are ranked by a published score that reflects the interest rate on offer, the length of time that rate applies, and how much of the balance is covered.
Some providers publish clear balance-coverage figures alongside their rates, while others do not. Where a balance-coverage figure is missing, this is noted directly, since it lowers a product’s score rather than reflecting a hidden risk.
Readers comparing these accounts should look closely at how long any promotional or standard rate applies, since several accounts revert to a lower rate once the initial period ends.
Erste — Lokata Biznes na Start
The top-ranked option here, combining a competitive standard rate with a clearly published balance limit.
- Interest rate
- 4.5%
- Rate type
- standard
- Balance covered
- PLN 200,000
- Rate period
- 3 months
Why it ranks here
- Interest rate of 4.5% classified as standard, running for „3 months”.
- Covers balances up to PLN 200,000, giving a clear ceiling for protected funds.
- Highest score in this comparison at 7.9/10.
Watch out for
- The rate applies only for „3 months”; readers should check the provider’s terms for what happens afterwards.
Nest Bank — BIZnest Konto Oszczędnościowe
A high headline rate for a short introductory period, dropping sharply afterwards.
- 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”.
- Balance coverage stated as PLN 25,000.
- Backed by the „BFG” deposit guarantee scheme.
Watch out for
- After the promotional window the rate falls to 2%, so the higher return is short-lived.
Alior — Lokata NA NOWE ŚRODKI w PLN 92D
A standard-rate deposit with one of the highest published balance limits in this comparison.
- Interest rate
- 3.1%
- Rate type
- standard
- Balance covered
- PLN 10,000,000
- Rate period
- 3 months
Why it ranks here
- Interest rate of 3.1% classified as standard, for „3 months”.
- Balance covered up to PLN 10,000,000, notably higher than most other products listed here.
Watch out for
- Scores 6.7/10 the same as Nest Bank’s account, so the shorter term and different balance limits should be compared directly against personal needs.
Alior — Lokata NA NOWE ŚRODKI w PLN 122D
A similar structure to the shorter Alior deposit, with a lower rate over a longer term.
- Interest rate
- 3%
- Rate type
- standard
- Balance covered
- PLN 10,000,000
- Rate period
- 4 months
Why it ranks here
- Interest rate of 3% classified as standard, running for „4 months”.
- Same high balance coverage of PLN 10,000,000 as the shorter-term version.
Watch out for
- The rate is lower than the 92-day version despite the longer commitment period.
Pekao — Konto Oszczędnościowe Biznes
A promotional-rate savings account with a fixed offer end date.
- 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 standard rate reverts to 0.5% once the promotional period ends.
- The offer is scheduled to end on 31 December 2026; readers should confirm current terms with the provider.
Erste — Lokata Biznes Premia (3 miesiące)
A lower-scoring deposit where the provider does not publish a balance-coverage figure.
- Interest rate
- 3%
- Rate type
- standard
- Rate period
- 3 months
Why it ranks here
- Interest rate of 3% classified as standard, for „3 months”.
Watch out for
- No balance-coverage figure is published, which counts against its score of 5.6/10; readers should check this directly with the provider.
PKO BP — Lokata terminowa dla firm i przedsiębiorstw 12M
A long-term standard deposit with limited published detail beyond the rate itself.
- Interest rate
- 2%
- Rate type
- standard
- Rate period
- 12 months
Why it ranks here
- Interest rate of 2% classified as standard, fixed for „12 months”.
Watch out for
- No balance-coverage figure is published, contributing to a lower score of 4.7/10; readers should check this with the provider directly.
PKO BP — Lokata terminowa dla firm i przedsiębiorstw 6M
The lowest-ranked product in this comparison, offering a shorter term at a lower rate.
- Interest rate
- 1.75%
- Rate type
- standard
- Rate period
- 6 months
Why it ranks here
- Interest rate of 1.75% classified as standard, fixed for „6 months”.
Watch out for
- No balance-coverage figure is published, contributing to a lower score of 4.5/10; readers should check this with the provider directly.
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 "balance covered" mean in this comparison?
It refers to the amount of deposited funds a provider states is protected, as published by the bank itself. Where no such figure is available, this is stated plainly rather than estimated.
Why do some accounts score lower despite having similar interest rates?
Scores reflect several factors, including whether a provider publishes a balance-coverage figure. Accounts such as the ones scoring 5.6/10, 4.7/10 and 4.5/10 score lower partly because this figure is missing.
Do promotional rates last for the entire term of the account?
Not always. Some accounts, including the Nest Bank and Pekao products listed here, apply a promotional rate for a set period before reverting to a lower standard rate. Readers should check the provider’s terms for the exact dates involved.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
