Edition: Best savings accounts and deposits in Poland — October 2026Updated every month
Short answer: Top pick in our October 2026 ranking: Credit Agricole — Rachunek Oszczędzam Plus, scored 8.6/10. It pays 6.5% (promotional rate) for 100 dni on balances up to PLN 100,000. We compared 6 products; data checked 1 October 2026. Second place: BNP Paribas — Lokata Dynamiczny Zysk (8/10).
Best savings accounts and deposits in Poland — October 2026 ranking
Data checked 1 October 2026
This month’s comparison looks at savings accounts and short-term deposits available in Poland, ranked by a published scoring system that weighs interest rates, balance limits and how clearly the rate conditions are stated.
Most of the products listed offer a promotional rate that applies only for a set period, after which a lower standard rate usually takes over. Where a provider does not publish a standard rate or guarantee details, this tends to pull its score down rather than suggesting any hidden problem.
Readers should check each provider’s current terms before opening an account, since promotional periods and balance limits can change.
Credit Agricole — Rachunek Oszczędzam Plus
A promotional savings account with one of the higher published scores in this comparison.
- Interest rate
- 6.5%
- Rate type
- promotional
- Balance covered
- PLN 100,000
- Rate period
- 100 dni
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Interest rate of 6.5% (promotional) applies during the rate period „100 dni”
- Balance covered up to PLN 100,000
Watch out for
- The rate is promotional and tied to the period „100 dni”; the account terms should be checked for what applies afterwards
BNP Paribas — Lokata Dynamiczny Zysk
A fixed-term deposit with the highest headline rate in this list, but a narrower rate window.
- 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% (promotional)
- Balance covered up to PLN 50,000
Watch out for
- The rate applies only „w ostatnim 4. miesiącu trwania lokaty”, not across the whole deposit term
- Balance covered is lower than some other products in this comparison
Promotion ended . We checked these figures before that date and they may no longer apply — confirm the current terms with the provider. The next edition will re-rank this list.
Pekao — Konto Oszczędnościowe
A savings account offering a promotional rate for a limited period before reverting to a lower standard 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% (promotional) for the period „92 dni”
- Balance covered up to PLN 100,000
Watch out for
- The promotional offer ends 22 October 2026, after which the standard rate of 3% applies
Erste — Lokata Biznes na Start
A business-oriented deposit with a standard, non-promotional rate.
- 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% (standard) for the period „3 months”
- Balance covered up to PLN 200,000
Watch out for
- The rate is not promotional, so it may be lower than offers elsewhere in this comparison; the account terms should be checked for eligibility conditions
mBank — Rachunek moje cele (promocyjne oprocentowanie)
A goals-based savings account with a promotional rate running for a set 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% (promotional) for the period „180 dni”
- Balance covered up to PLN 200,000
Watch out for
- The promotional offer ends 30 November 2026; the provider’s terms should be checked for the rate that applies afterwards
Credit Agricole — Rachunek Oszczędzam Plus
A second Credit Agricole savings account variant with a lower score than the top-ranked entry.
- 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% (promotional) for the period „100 dni”
- Deposits are covered under the „BFG” guarantee scheme
Watch out for
- After the promotional period „100 dni”, the rate drops to the standard rate of 0.1%
Side by side
| # | Product | Interest rate | Rate type | Balance covered | Rate period | Score |
|---|---|---|---|---|---|---|
| 1 | Credit Agricole — Rachunek Oszczędzam Plus | 6.5% | promotional | PLN 100,000 | 100 dni | 8.6 |
| 2 | BNP Paribas — Lokata Dynamiczny Zysk | 8% | promotional | PLN 50,000 | w ostatnim 4. miesiącu trwania lokaty | 8 |
| 3 | Pekao — Konto Oszczędnościowe | 5.7% | promotional | PLN 100,000 | 92 dni | 7.9 |
| 4 | Erste — Lokata Biznes na Start | 4.5% | standard | PLN 200,000 | 3 months | 7.9 |
| 5 | mBank — Rachunek moje cele (promocyjne oprocentowanie) | 5.5% | promotional | PLN 200,000 | 180 dni | 7.7 |
| 6 | Credit Agricole — Rachunek Oszczędzam Plus | 5.5% | promotional | PLN 100,000 | 100 dni | 7.7 |
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
What is the difference between a promotional and a standard interest rate?
A promotional rate applies for a limited period stated in the provider’s terms, after which the account typically reverts to a lower standard rate. Readers should check each provider’s terms for the exact switch-over point.
How long do the promotional rates in this comparison last?
The length varies by provider; some use a fixed number of days such as the periods noted for Credit Agricole, Pekao and mBank, while others such as BNP Paribas apply the rate only during a specific part of the deposit term. The provider’s terms should be checked for exact dates.
Are savings held in these accounts protected?
Only one entry in this comparison explicitly states a guarantee scheme. For the others, the comparison does not include this detail, so readers should check the relevant provider’s terms directly.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
