Data checked 25 September 2026
This comparison looks at fintech savings accounts available to people in Poland, covering both PLN and EUR balances. The providers here operate under different banking licences, which means the deposit guarantee scheme protecting your money can differ from one product to the next.
Ranking is based on published weights and the two figures each provider makes available: the interest rate and whether that rate has an end date. Where a provider does not publish certain details, this counts against its score rather than being left unexplained.
The five accounts below are ordered from highest to lowest score. Read the watch-out points alongside the verdict, since a higher rate does not always mean the same guarantee coverage applies.
Revolut — Revolut Ultra – Oszczędności (PLN)
Revolut Ultra – Oszczędności (PLN) is the highest-scoring account in this comparison, with the highest published rate among the products reviewed.
- Interest rate
- 3.25%
- Rate type
- standard
- Rate period
- no end date (standard rate)
Why it ranks here
- Interest rate of 3.25%, described by the provider as a standard rate
- Rate period is stated as „no end date (standard rate)”, meaning no fixed expiry has been published
Watch out for
- The deposit guarantee scheme for this account is not stated in the facts reviewed; readers should check Revolut’s own terms for confirmation
- Access to the Ultra plan may carry its own conditions, which are not covered by the figures used in this comparison
Revolut — Revolut Metal – Oszczędności (PLN)
Revolut Metal – Oszczędności (PLN) sits just below the Ultra plan, with a slightly lower rate but the same standard structure.
- Interest rate
- 3%
- Rate type
- standard
- Rate period
- no end date (standard rate)
Why it ranks here
- Interest rate of 3%, described as a standard rate
- Rate period is stated as „no end date (standard rate)”, with no fixed expiry published
Watch out for
- The deposit guarantee scheme is not confirmed in the facts reviewed; check the provider’s terms directly
- Plan-related conditions for Metal are not covered by the figures used here
Revolut — Revolut Premium – Oszczędności (PLN)
Revolut Premium – Oszczędności (PLN) ranks third among the Revolut plans, with the lowest rate of the three.
- Interest rate
- 2.25%
- Rate type
- standard
- Rate period
- no end date (standard rate)
Why it ranks here
- Interest rate of 2.25%, described as a standard rate
- Rate period is stated as „no end date (standard rate)”, with no fixed expiry published
Watch out for
- Deposit guarantee details are not stated in the facts reviewed; readers should confirm this with Revolut directly
- The lower score compared with Ultra and Metal reflects the lower published rate, not any additional risk noted in the facts
N26 — N26 Instant Savings (plan Metal)
N26 Instant Savings (plan Metal) is a EUR-denominated account and the highest-ranked N26 option in this comparison.
- Interest rate
- 1.5% (EUR)
- Rate type
- standard
- Rate period
- no end date (standard rate)
Why it ranks here
- Interest rate of 1.5% (EUR), described as a standard rate
- Rate period is stated as „no end date (standard rate)”, with no fixed expiry published
- This account is covered by the „German Deposit Guarantee Scheme”
Watch out for
- Balances here are held in EUR rather than PLN, so currency conversion terms are worth checking separately
- The rate is markedly lower than the Revolut PLN accounts ranked above it
N26 — N26 Instant Savings (plany Standard i Smart)
N26 Instant Savings (plany Standard i Smart) is the lowest-scoring account in this comparison.
- Interest rate
- 0.25% (EUR)
- Rate type
- standard
- Rate period
- no end date (standard rate)
Why it ranks here
- Interest rate of 0.25% (EUR), described as a standard rate
- Rate period is stated as „no end date (standard rate)”, with no fixed expiry published
Watch out for
- This is the lowest score in the list, which reflects limited published detail alongside the lower rate
- Deposit guarantee terms are not restated for this plan; readers should check N26’s own terms for confirmation
Side by side
| # | Product | Interest rate | Rate type | Balance covered | Rate period | Score |
|---|---|---|---|---|---|---|
| 1 | Revolut — Revolut Ultra – Oszczędności (PLN) | 3.25% | standard | not disclosed | no end date (standard rate) | 5.8 |
| 2 | Revolut — Revolut Metal – Oszczędności (PLN) | 3% | standard | not disclosed | no end date (standard rate) | 5.6 |
| 3 | Revolut — Revolut Premium – Oszczędności (PLN) | 2.25% | standard | not disclosed | no end date (standard rate) | 4.9 |
| 4 | N26 — N26 Instant Savings (plan Metal) | 1.5% (EUR) | standard | not disclosed | no end date (standard rate) | 4.3 |
| 5 | N26 — N26 Instant Savings (plany Standard i Smart) | 0.25% (EUR) | standard | not disclosed | no end date (standard rate) | 3.2 |
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
Are these accounts held in Polish zloty or euros?
The Revolut accounts in this comparison are PLN-based, while both N26 Instant Savings plans are EUR-based, as shown in their published rates.
Does the same deposit guarantee apply to all these accounts?
Not necessarily. The N26 Metal account states it is covered by the German Deposit Guarantee Scheme. The guarantee scheme for the other accounts is not confirmed in the facts reviewed, so readers should check each provider’s terms.
Are the interest rates fixed for a set period?
Each account here is described as a standard rate with no stated end date, meaning no expiry has been published, but readers should confirm current terms with the provider before relying on this.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
