Banks often provide higher interest rates for customers who deposit additional funds into their accounts. It is important to check the amount caps and the duration of these offers.
What are ‘new money’ offers?
New money offers are designed for customers who decide to move capital to a specific bank or increase their balance above previous levels. This mechanism aims to encourage changing financial institutions or adding extra cash to an account.
It is important to remember that promotional rates only apply for a specific period. For example, in Millennium Konto Oszczędnościowe Profit, the promotional rate of 5.5% is valid for 91 days, after which funds may earn a standard rate of 1.5%.
Current offer overview
Several banks currently offer promotional rates on savings accounts. Millennium offers 5.5% in Konto Oszczędnościowe Profit (up to PLN 200,000) until 24 November 2026. mBank, through the Sezon na oszczędzanie promotion, offers 4.5% on eKonto oszczędnościowe (up to PLN 500,000) for 90 days, with the offer lasting until 1 March 2027.
Alior Bank provides Konto Max Oszczędnościowe with a promotional rate of 4.6% until 24 November 2026. The amount covered by this rate is PLN 300,000, while the standard rate is 0.38%. This offer is valid for 3 months.
Term deposits vs savings accounts
An alternative to savings accounts are term deposits. Alior Bank offers Lokata na nowe środki 182 dni with an interest rate of 3.4%. This is a standard rate covering up to PLN 300,000 for a period of 182 days.
Data: banks’ pages and fee tables in our database. General information, not financial advice.
