Data checked 23 September 2026
This roundup looks at savings accounts and time deposits available in Poland during the article month, comparing published interest rates, rate types and how each provider scores against Money Shortlist’s published weighting.
Scores reflect a mix of rate level, rate type (standard versus promotional) and how much detail each provider makes public. A lower score often means a provider withholds some information, such as what happens after a promotional period ends, rather than that the underlying rate is poor.
The order below is fixed by the calculated scores. Figures are taken directly from provider disclosures; where a detail was not published, this is stated rather than guessed.
PKO BP — Przy systematycznym oszczędzaniu
PKO BP’s Przy systematycznym oszczędzaniu account tops the list with the highest published score.
- Interest rate
- 6%
- Rate type
- standard
- Balance covered
- not published
- Rate period
- not published
Why it ranks here
- Score of 8.1/10 is the highest in this comparison.
- Interest rate of 6%, described as a standard rate.
- Rate type is standard, meaning it is not tied to a temporary promotional window.
Watch out for
- No rate period or end date is published for this account; readers should check PKO BP’s terms for how the rate may change over time.
Erste — Lokata z Kontem Erste Platinum
Erste’s Lokata z Kontem Erste Platinum offers a competitive promotional rate but scores lower overall.
- Interest rate
- 5.5%
- Rate type
- promotional
- Balance covered
- not published
- Rate period
- not published
Why it ranks here
- Score of 6.7/10.
- Interest rate of 5.5%.
- Rate type is promotional, which can mean the rate applies for a limited period.
Watch out for
- As a promotional rate, the duration and the rate that follows are not stated here; check Erste’s current terms for these details.
Revolut — Revolut Oszczędności (Ultra)
Revolut’s Oszczędności account under the Ultra plan sits in the middle of the ranking.
- Interest rate
- 3.25%
- Rate type
- standard
- Balance covered
- not published
- Rate period
- not published
Why it ranks here
- Score of 5.8/10.
- Interest rate of 3.25%.
- Rate type is standard, so it is not described as a temporary offer.
Watch out for
- No additional conditions or periods are published for this rate; readers should confirm current terms directly with Revolut.
Revolut — Revolut Oszczędności (Metal)
The Metal-tier version of Revolut’s savings account scores slightly lower than the Ultra version.
- Interest rate
- 3%
- Rate type
- standard
- Balance covered
- not published
- Rate period
- not published
Why it ranks here
- Score of 5.6/10.
- Interest rate of 3%.
- Rate type is standard, matching the standard classification used across Revolut’s tiers.
Watch out for
- The lower score reflects the lower published rate compared with the Ultra tier; other account features are not covered in this comparison.
PKO BP — Konto Oszczędnościowe
PKO BP’s Konto Oszczędnościowe offers a promotional rate for a defined period.
- Interest rate
- 4%
- Rate type
- promotional
- Balance covered
- not published
- Rate period
- 90 dni
Why it ranks here
- Score of 5.4/10.
- Interest rate of 4%, classified as promotional.
- The promotional rate applies for a period of „90 dni”.
Watch out for
- What happens to the rate after the „90 dni” period is not stated in the published facts; readers should check PKO BP’s terms for the rate that follows.
Pekao — Konto Oszczędnościowe Biznes
Pekao’s Konto Oszczędnościowe Biznes ranks last in this comparison, with the lowest published score.
- Interest rate
- 3%
- Rate type
- promotional
- Balance covered
- not published
- Rate period
- 92 dni
Why it ranks here
- Score of 4.6/10.
- Interest rate of 3%, described as promotional.
- The promotional rate applies for a period of „92 dni”.
Watch out for
- After the „92 dni” period, the rate reverts to a standard rate of 0.5%, which is notably lower than the promotional rate.
Side by side
| # | Product | Interest rate | Rate type | Balance covered | Rate period | Score |
|---|---|---|---|---|---|---|
| 1 | PKO BP — Przy systematycznym oszczędzaniu | 6% | standard | not published | not published | 8.1 |
| 2 | Erste — Lokata z Kontem Erste Platinum | 5.5% | promotional | not published | not published | 6.7 |
| 3 | Revolut — Revolut Oszczędności (Ultra) | 3.25% | standard | not published | not published | 5.8 |
| 4 | Revolut — Revolut Oszczędności (Metal) | 3% | standard | not published | not published | 5.6 |
| 5 | PKO BP — Konto Oszczędnościowe | 4% | promotional | not published | 90 dni | 5.4 |
| 6 | Pekao — Konto Oszczędnościowe Biznes | 3% | promotional | not published | 92 dni | 4.6 |
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%
- Balance the rate applies to20%
- How long the rate lasts20%
Questions
Why do some accounts score lower even with a similar interest rate?
Scores reflect more than the headline rate. They also account for whether the rate is standard or promotional and how much detail a provider publishes about conditions and periods.
What does a promotional rate mean for these accounts?
A promotional rate typically applies only for a set period, as shown for some accounts here. After that period, a different rate may apply; readers should check the provider’s current terms for specifics not covered in this comparison.
Is the highest-scoring account always the best choice?
The score reflects the factors in this comparison only, such as published rate and rate type. It does not account for personal circumstances, so readers should review each provider’s full terms before deciding.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
