Compare Savings Accounts in Poland

Compare high-interest savings accounts in PL.

20 live savings accounts offers tracked across 12 Poland providers. Data current as of 23 October 2026 and updated daily from the Giraffy database.

Live offers

20 live offers compared from 12 providers. Updated daily.

PKO Cel Oszczędnościowy 5% PKO Bank Polski

PLN 0

  • Interest Rate: 5% p.a.
  • Min Balance: 500 PLN
  • Account Type: Goal savings
  • Withdrawals: 1 free withdrawal/mo

Alior Oszczędnościowy 4% Alior Bank

PLN 0

  • Interest Rate: 4% p.a. (standard)
  • Min Balance: 1000 PLN
  • Account Type: Variable rate
  • Withdrawals: 1 free withdrawal/mo

Pekao Konto Oszczędnościowe 4% Bank Pekao

PLN 0

  • Interest Rate: 4% p.a.
  • Min Balance: No minimum
  • Account Type: Variable rate
  • Withdrawals: 1 free withdrawal/mo

ING Konto Oszczędnościowe 5% ING Bank Śląski

PLN 0

  • Interest Rate: 5% p.a. (promo 3 months)
  • Min Balance: No minimum
  • Account Type: Variable rate promo
  • Withdrawals: Free anytime

Revolut Savings Vault 4% Revolut

PLN 0

  • Interest Rate: 4% p.a.
  • Min Balance: No minimum
  • Account Type: Variable rate
  • Withdrawals: Instant transfer

BNP Paribas Konto Oszczędnościowe 5% BNP Paribas Poland

PLN 0

  • Interest Rate: 5% p.a. (promo 2 months)
  • Min Balance: 500 PLN
  • Account Type: Variable rate promo
  • Withdrawals: 2 free withdrawals/mo

Millennium Cel Oszczędnościowy 4.5% Bank Millennium

PLN 0

  • Interest Rate: 4.5% p.a.
  • Min Balance: No minimum
  • Account Type: Goal savings
  • Withdrawals: Limited

Santander Konto Oszczędnościowe Select 5% Santander Poland

PLN 0

  • Interest Rate: 5% p.a. (Select customers)
  • Min Balance: 5000 PLN
  • Account Type: Premium variable
  • Withdrawals: 2 free withdrawals/mo

CA Konto Oszczędnościowe 4.5% Credit Agricole Poland

PLN 0

  • Interest Rate: 4.5% p.a.
  • Min Balance: No minimum
  • Account Type: Variable rate
  • Withdrawals: 1 free withdrawal/mo

Santander Konto Oszczędnościowe 4.5% Santander Poland

PLN 0

  • Interest Rate: 4.5% p.a.
  • Min Balance: No minimum
  • Account Type: Variable rate
  • Withdrawals: 1 free withdrawal/mo

PKO Konto Oszczędnościowe 4.5% PKO Bank Polski

PLN 0

  • Interest Rate: 4.5% p.a.
  • Min Balance: No minimum
  • Account Type: Variable rate
  • Withdrawals: 1 free withdrawal/mo

Pekao Konto Premium 4.5% Bank Pekao

PLN 0

  • Interest Rate: 4.5% p.a.
  • Min Balance: 1000 PLN
  • Account Type: Variable rate
  • Withdrawals: 2 free withdrawals/mo

Nest Konto Oszczędnościowe 5.5% Nest Bank

PLN 0

  • Interest Rate: 5.5% p.a. (promo)
  • Min Balance: No minimum
  • Account Type: Variable rate promo
  • Withdrawals: Free anytime

mBank eSaving 4% mBank

PLN 0

  • Interest Rate: 4% p.a.
  • Min Balance: 1000 PLN
  • Account Type: Variable rate
  • Withdrawals: Free anytime

Alior Konto Oszczędnościowe 4.5% Alior Bank

PLN 0

  • Interest Rate: 4.5% p.a.
  • Min Balance: No minimum
  • Account Type: Variable rate
  • Withdrawals: 1 free withdrawal/mo

Millennium Konto Oszczędnościowe 4% Bank Millennium

PLN 0

  • Interest Rate: 4% p.a.
  • Min Balance: 500 PLN
  • Account Type: Variable rate
  • Withdrawals: 1 free withdrawal/mo

mBank mKonto Oszczędnościowe 4.5% mBank

PLN 0

  • Interest Rate: 4.5% p.a.
  • Min Balance: No minimum
  • Account Type: Variable rate
  • Withdrawals: Free anytime

ING Konto Oszczędnościowe 4.5% ING Bank Śląski

PLN 0

  • Interest Rate: 4.5% p.a. (standard)
  • Min Balance: No minimum
  • Account Type: Variable rate
  • Withdrawals: Free anytime

BNP Paribas Konto Oszczędnościowe 4% BNP Paribas Poland

PLN 0

  • Interest Rate: 4% p.a.
  • Min Balance: No minimum
  • Account Type: Variable rate
  • Withdrawals: Free anytime

Bank Pocztowy Oszczędnościowe 4% Bank Pocztowy

PLN 0

  • Interest Rate: 4% p.a.
  • Min Balance: 500 PLN
  • Account Type: Variable rate
  • Withdrawals: 1 free withdrawal/mo

What is a Savings Account in Poland?

A savings account (konto oszczędnościowe) in Poland is an easy-access account that pays interest on your balance while letting you withdraw money when you need it. Unlike a fixed deposit, funds are not locked, so it suits an emergency fund or money you may need at short notice. Interest is variable and can change with market rates, and many accounts allow one free withdrawal per month with a small charge for further transfers. It sits between a current account and a fixed-term deposit.

How the Polish market works

Savings-account rates track the National Bank of Poland's policy rate and are used competitively to attract deposits. Banks frequently run promotional rates that apply only to new money, only up to a maximum balance, or only for a few months before dropping to a lower standard rate. Interest is usually calculated daily and paid monthly, and is subject to the flat capital-gains tax (podatek Belki). Many banks require you to hold their current account to open the best-rate savings account.

Benefits

Instant access — Withdraw your money when needed, unlike a locked fixed deposit.

Earns interest — Your balance grows at a variable rate rather than sitting idle in a current account.

Emergency fund home — An ideal place to keep a rainy-day reserve that stays available.

Low or no fees — Opening and holding the account is typically free, with charges only for extra withdrawals.

How to choose

Look beyond the headline rate to whether it is promotional, capped by a balance limit, or restricted to new funds, and note when it reverts to the standard rate. Check the number of free withdrawals per month and the charge beyond that. Confirm whether you must hold the bank's current account to qualify, and compare the net return after the Belka tax. For large balances, the rate above the promotional cap matters most.

Leading providers in Poland

Bank Millennium, Santander Poland, PKO Bank Polski, Bank Pekao, mBank, Alior Bank, BNP Paribas Poland and ING Bank Śląski all offer savings accounts, frequently with new-customer promotional rates. Smaller and online banks sometimes top the tables to attract deposits. Because promotions rotate, the best account this month may differ next month, so comparing current offers pays off.

What it costs

Savings accounts are generally free to open and hold, so the brief lists no price range. The relevant numbers are the variable interest rate and any conditions, minus the flat capital-gains tax on interest. The main cost to watch is the charge for more than one withdrawal per month at some banks, and the drop from a promotional to a standard rate.

Protections and regulation

Banks are supervised by the Polish Financial Supervision Authority (KNF), and savings balances are guaranteed by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor per bank. Interest is taxed at the flat capital-gains rate withheld by the bank. Consumer protection and complaints are handled by the Financial Ombudsman (Rzecznik Finansowy) and UOKiK.

Common questions

How is it different from a fixed deposit? A savings account gives instant access with a variable rate; a fixed deposit locks funds for a set term at a guaranteed rate.

Why did my rate drop? Rates are variable and promotional periods end; balances above a cap may earn the lower standard rate.

Is my money protected? Yes, up to the EUR 100,000 equivalent per bank under the BFG.

Do I need the bank's current account too? Often yes. The best savings rates are frequently reserved for customers who also hold the bank's current account.

Savings Accounts in Poland — FAQ

What is the highest savings rate in Poland right now?

Giraffy tracks 20 savings accounts across 12 providers in Poland. Sort by highest rate and filter by account type (easy access vs. fixed) to find the best deal for your timeline.

Is my money safe in a savings account?

Yes — the BFG (Bankowy Fundusz Gwarancyjny) protects up to the equivalent of €100,000 per depositor, per bank. Always confirm your institution is KNF-regulated before depositing. If your balance exceeds the protection limit, spread funds across multiple separately-licensed banks.

What does p.a. mean on a savings account?

p.a. (per annum) is the standardised rate that accounts for how often interest is compounded over a year. It's the fairest number to compare across accounts — always compare like-for-like using p.a. rather than the gross or monthly rate.

What is the difference between easy access and fixed-rate savings?

Easy access accounts let you withdraw your money at any time — rates are variable and may change. Fixed-rate bonds or term deposits lock your money away for a set period (usually 1–5 years) at a guaranteed rate, which is typically higher. Choose fixed if you don't need the funds before the term ends.

Do I pay tax on savings interest?

Tax on savings interest varies by country and income level. Check your country's tax authority guidance or speak to a financial adviser if your interest income is significant.

Can I open multiple savings accounts at different banks?

Yes — and it can be a smart strategy. Spreading savings across banks maximises your deposit protection (€100,000 equiv. under the BFG per institution) and lets you earn the best rate at each bank. Just keep track of all accounts to avoid losing money to dormancy fees.

How quickly can I access my money in an easy access savings account?

Most easy access accounts transfer funds to a linked current account within one working day, and many process withdrawals the same day. Some accounts restrict the number of free withdrawals per month — check the terms before you open one if flexibility matters to you.