Data checked 24 September 2026
This month’s comparison looks at savings accounts and deposits available to savers holding PLN in Poland. The list covers standard savings accounts and short-term deposit products, ranked by a fixed set of published weights that take into account the interest rate, the type of rate (promotional or standard), the balance covered by that rate, and how clearly each provider publishes its terms.
Several of these products carry a promotional rate that applies only for a limited period or up to a certain balance, after which a different standard rate takes over. Where a provider does not publish that standard rate or an end date for the promotion, this is noted below rather than guessed at.
As with any savings product, terms can change and the details here reflect what each provider has published. Readers comparing these accounts should check the current terms on the provider’s own pages before making a decision.
BNP Paribas — Lokata Dynamiczny Zysk
BNP Paribas’ Lokata Dynamiczny Zysk takes the top spot, combining the highest interest rate in this comparison with a meaningful covered balance.
- Interest rate
- 8%
- Rate type
- promotional
- Balance covered
- PLN 50,000
- Rate period
- w ostatnim 4. miesiącu trwania lokaty
Why it ranks here
- Interest rate of 8%, described by the provider as a promotional rate
- Balance covered up to PLN 50,000
- The rate applies specifically in the period described by the provider as „w ostatnim 4. miesiącu trwania lokaty”
Watch out for
- The promotional rate only applies in the period noted above, not across the whole term of the deposit
- No standard rate or offer end date is published for this product, so the rate that applies outside that period should be checked directly with the provider
Pekao — Konto Oszczędnościowe
Pekao’s Konto Oszczędnościowe offers a strong promotional rate with a clear end date and a published fallback rate.
- Interest rate
- 5.7%
- Rate type
- promotional
- Balance covered
- PLN 100,000
- Rate period
- 92 dni
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Interest rate of 5.7%, a promotional rate
- Balance covered up to PLN 100,000
- Rate applies for a period described by the provider as „92 dni”
Watch out for
- The promotional rate reverts to a standard rate of 3% once the offer ends on 22 October 2026
- The elevated rate is tied to the „92 dni” period specified by the provider
Erste — Lokata Biznes na Start
Erste’s Lokata Biznes na Start offers a standard, non-promotional rate, giving a more predictable return over its term.
- 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%, described by the provider as a standard rate
- Balance covered up to PLN 200,000
- Rate applies over a term described by the provider as „3 months”
Watch out for
- As a standard rate rather than a promotional one, there is no separate offer end date published for this product
- Readers should confirm current terms directly with the provider, as no additional rate tiers are published
mBank — Rachunek moje cele (mKonto Intensive)
mBank’s Rachunek moje cele under mKonto Intensive offers a competitive promotional rate over a relatively long qualifying period.
- Interest rate
- 5.5%
- Rate type
- promotional
- Balance covered
- PLN 200,000
- Rate period
- 180 dni
Fees supplemented from the provider’s fee table: PDF · Promotion terms: PDF
Why it ranks here
- Interest rate of 5.5%, a promotional rate
- Balance covered up to PLN 200,000
- Rate applies for a period described by the provider as „180 dni”
Watch out for
- The promotional rate ends on 30 November 2026, and the provider does not publish the standard rate that applies afterward
- Confirming the post-promotion rate directly with mBank is advisable before relying on this account long-term
Credit Agricole — Rachunek Oszczędzam Plus
Credit Agricole’s Rachunek Oszczędzam Plus offers a promotional rate with deposit protection under the Bankowy Fundusz Gwarancyjny scheme.
- Interest rate
- 5.5%
- Rate type
- promotional
- Balance covered
- PLN 100,000
- Rate period
- 100 dni
Why it ranks here
- Interest rate of 5.5%, a promotional rate
- Balance covered up to PLN 100,000
- Deposits are covered under the guarantee scheme described by the provider as „Bankowy Fundusz Gwarancyjny”
Watch out for
- The promotional rate falls to a standard rate of 0.1% once the offer ends on 30 September 2026
- The elevated rate only applies for the period described by the provider as „100 dni”
Millennium — Konto Oszczędnościowe Profit
Millennium’s Konto Oszczędnościowe Profit rounds out the list with a modest promotional rate and standard BFG-backed protection.
- Interest rate
- 5.25%
- Rate type
- promotional
- Balance covered
- PLN 200,000
- Rate period
- 91 dni
Why it ranks here
- Interest rate of 5.25%, a promotional rate
- Balance covered up to PLN 200,000
- Deposits are covered under the guarantee scheme described by the provider as „BFG”
Watch out for
- The promotional rate reverts to a standard rate of 1.5% once the offer ends on 21 October 2026
- The higher rate applies only for the period described by the provider as „91 dni”
Side by side
| # | Product | Interest rate | Rate type | Balance covered | Rate period | Score |
|---|---|---|---|---|---|---|
| 1 | BNP Paribas — Lokata Dynamiczny Zysk | 8% | promotional | PLN 50,000 | w ostatnim 4. miesiącu trwania lokaty | 8 |
| 2 | Pekao — Konto Oszczędnościowe | 5.7% | promotional | PLN 100,000 | 92 dni | 7.9 |
| 3 | Erste — Lokata Biznes na Start | 4.5% | standard | PLN 200,000 | 3 months | 7.9 |
| 4 | mBank — Rachunek moje cele (mKonto Intensive) | 5.5% | promotional | PLN 200,000 | 180 dni | 7.7 |
| 5 | Credit Agricole — Rachunek Oszczędzam Plus | 5.5% | promotional | PLN 100,000 | 100 dni | 7.7 |
| 6 | Millennium — Konto Oszczędnościowe Profit | 5.25% | promotional | PLN 200,000 | 91 dni | 7.5 |
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%
- Balance the rate applies to20%
- How long the rate lasts20%
Questions
Why do some of these accounts show a much higher rate than others?
Several providers offer a promotional rate that applies only for a limited period or up to a certain balance. Once that period ends, a lower standard rate usually applies, where published.
What happens when a promotional offer ends?
The account typically reverts to a standard rate. Where the provider has published that standard rate and the offer end date, both are noted in this comparison; where they have not, readers should check the provider’s terms directly.
Are these savings products protected if the bank fails?
Some providers in this list, such as Credit Agricole and Millennium, mention coverage under Poland’s Bankowy Fundusz Gwarancyjny scheme. Readers should confirm the current guarantee terms with each provider.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
