Savings Accounts — Interest Rate Ranking 2026

A savings account is a bank account designed to accumulate savings with a higher interest rate than a standard current account. Unlike a fixed-term deposit, the money in a savings account is accessible at any time, although the bank may limit the number of free withdrawals per month. It is a compromise between liquidity and interest earnings.

Savings account interest rates change depending on the bank's policy and the NBP benchmark rates. The highest interest rate in April 2026 is offered by mBank — NaN%. It is worth noting that banks often offer higher promotional rates for new funds or for the first few months, after which the rate drops to the standard level.

Yes, savings accounts held at banks operating in Poland are covered by the Bank Guarantee Fund (BGF) guarantee up to the equivalent of EUR 100,000 per person per bank. This means that even in the event of a bank failure, your savings up to that amount are fully protected. The BGF pays out funds within 7 business days.

Most banks allow 1–2 free withdrawals per month from a savings account. Additional withdrawals may incur a fee (usually PLN 5–10) or result in the loss of interest for that month. There is no monetary limit — you can withdraw the full balance, but frequent withdrawals reduce interest earnings.

A savings account gives you flexibility — you have constant access to your money, but the interest rate may be lower and variable. A fixed deposit usually offers a higher, fixed interest rate, but the funds are locked for a set period. If you need a financial cushion with quick access, choose a savings account. For longer-term saving, a fixed deposit is better.