Deposits & savings
How to choose a deposit or savings account - what to look at beyond the % alone
The percentage alone is not enough - and it may be out of date. Interest rates, and especially promotions, change quickly and have conditions (new client, new funds, amount limit, account requirement). So always check the "Checked" date next to each offer and confirm the rate with the provider. Below we explain what actually matters and group offers by stable features (fixed vs variable, currency, account requirement) - not by a temporary %. The table is alphabetical and neutral.
Interest rate: base vs promotional
The base rate is more stable; a promotion may be higher, but it is temporary and conditional (new client / new funds / amount limit). Compare consciously - and check the "as-of" / verification date.
Fixed vs variable
Fixed = predictability until the end of the term. Variable can rise, but also fall during the term. See "Rate type".
Term and early withdrawal
The longer the funds are locked, the lower the liquidity. Check what happens on early withdrawal (usually loss of interest) - the "Early withdrawal" row.
Personal account requirement
Some deposits require holding an account/app with that provider; some do not. If you do not want to open an account - see the "no account requirement" segment.
Deposit guarantee
Up to the equivalent of 100 000 EUR in the guarantee scheme (BFG in PL / equivalent in the institution's country). See "Deposit guarantee".
Deposit currency
Most deposits are in PLN; foreign-currency deposits (USD/EUR) are less common and have different, usually lower, interest rates. See "Currency".
Choose by a specific criterion
Offers with a fixed rate - predictable return until the end of the term (no risk of a drop during the term).
Alior Bank, Bank Pekao, BFF Bank (Facto), Inbank
Offers that do not require holding a personal account with the provider.
BFF Bank (Facto), Inbank, Toyota Bank Polska
Deposits in USD/EUR and other currencies - for those holding savings in a foreign currency.
Bank Pekao, bunq
A full comparison - with deposit guarantee, term and conditions - is in the table below. Confirm the rate and promotions with the provider (see "Checked"); they change faster than the rest of the data.
Term deposits and savings for residents of Poland
Savings accounts and term deposits for people living in Poland - with clearly stated deposit protection (country and limit). Every value is source-backed.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Dedykowana strona lokat walutowych USD/EUR wycofana (przekierowanie na ogolna oferte)
- publiczne stawki juz nie podawane - obecnie tylko lokaty negocjowane w oddziale (od 5000 USD/EUR). Lokaty PLN w ogolnej ofercie oszczednosciowej. (stan na 2026-07-09)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Lokata Standardowa: 3 mies. 2,25% (online) / 2,00% (oddzial)
- 12 mies. 2,50% (online) / 2,25% (oddzial)
- min. 500 PLN. Konto oszczednosciowe 0,75% (do 31.08.2026). (stan na 2026-07-09)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Lokata: 3m 4,25% p.a. (min. 5000 PLN)
- okresy 1-60 mies. - pozostale stawki w kalkulatorze (stan na 2026-07-09)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Lokaty terminowe (EUR, dowolny plan): 3m 1,76% / 6m 1,86% / 12m 2,11% / 24m 1,91%
- min. 1000 EUR, do 100 000 EUR (stan na 2026-07-09)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Lokaty terminowe PLN (stan na 2026-07-01): standard 30-180 dni 0,75% / 270 dni-3 lata 1,25%
- nowe srodki 90 dni 3,00% / 180 dni 2,90% / 1 rok 2,80%
- Lokata Powitalna 30 dni 5,50% (konta zakladane 1-31.07.2026). Rachunek Oszczedzam Plus 0,10%. Lokaty walutowe EUR/USD/GBP 0,01%.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Term deposits (as of 20.05.2026): 3 months 1.00% / 6 months 1.25% / 12 months 1.50% (from 1000 PLN)
- USD deposits 0.10–0.20%. Promotional/conditional offers: Lokata z funduszem 5.50% (3 months), Lokata na powitanie 4.50% (3 months, first account, up to 50 000 zł). Savings accounts: 0.50% (the Dbam o zdrowie finansowe programme conditionally offers up to 4.00–4.50%, until 30.11.2026). Negotiated rates for amounts > 100 000 PLN.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Konto oszcz./lokaty promo: eKonto oszczędnościowe do 4,4% p.a. na nowe środki
- lokata 3-mies. do 3,4% p.a.
- standard do 0,1% (stan na 2026-07-09)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Lokaty: na Nowe Srodki 3,30% (6 mies.)
- Mobilna 3,00% (3 mies.)
- Millenet PLN do 1,75% (1-366 dni)
- Urodzinowa do 4,00% (1 mies.)
- walutowe do 0,50%. (stan na 2026-07-09)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Savings account: standard 0.01% p.a.
- special offer for accounts opened from 29.05.2026 - 6.10% up to 25 000 zł + 5.10% on the surplus up to 200 000 zł (90 days, with salary credited), then 2.00% up to 400 000 zł. PLN term deposits: promotional 5.25–6.10% (3–6 months), Nowe Środki/Lojalna 3.50–3.80%, Nest Lokata standard 0.75–2.00%. Rates are variable - check the current rate table. (as of 2026-06-12)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- PLN term deposits: 3.50% p.a. (terms of 3–36 months)
- EUR term deposits: 1.60% p.a. (3–36 months). Rachunek Oszczędnościowy Start: 1.9% p.a. (up to 200 000 zł
- variable: ⅔ × 3M WIBOR). New-client promotions: PLN 6.0% (3 months)/4.2% (6 months), EUR 2.5%, RO Start 4.5%→3.2%. Rates are variable - check the current rate table. (as of 2026-06-12)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Lokata Standard (stala): 1m 3,70% / 3m 4,20% / 6m 4,30% / 9-12m 4,00% / 24-36m 4,10%
- do 100 000 PLN, min. 2000 PLN (stan na 2026-05-26)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Interest on uninvested cash (after activation in the app): accrued daily, paid monthly, with no balance limit
- funds remain fully liquid (no lock-up - they can be withdrawn or invested at any time). VARIABLE rate - check the current rate in the app. (as of 2026-06-12)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Konto oszczednosciowe promo (Edycja 9/2026, do 5.08.2026, 92 dni, warunek 5 transakcji/mies.): nowi do 6,0% (do 50 000 PLN) / 4,0% (50-400 tys.)
- obecni 4,5% (do 200 000 PLN) / 3,0% (200-400 tys.). Baza 0,5% (do 100 tys.) / 1,0% (100-400 tys.) / 1,5% (400 tys.-1 mln).
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Konto oszczednosciowe 4,0% p.a. (pelna plynnosc). Lokata Plus (stala): 30-59 dni 2,0% / 90-179 dni 4,2% / 180-269 dni 4,0% / 270-360 dni 3,0%
- 1000-2 000 000 PLN. (as-of 2025-11-04)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
WTP Finance is informational only. We do not broker contracts, handle funds or provide financial advice. Always verify the terms with the provider.