High rate trap on your account. To start 7%, later interest is already symbolic

New banks customers usually have something to change at. Institutions encourage them to open accounts in exchange for shameful cash bonuses, but also offer much higher rates on savings products. In the case of location accounts, the difference between a promotional and standard rate can reach 7 pp.

The savings account is set up for an indefinite period and you can pay funds (and deposit) at any time without the risk that it will have an impact on the duration of the contract. In the case of deposit, the funds are freezed to a predetermined date, and the change in capital in the so -called in the meantime it is not allowed. Both products allow you to safely increase their financial resources. However, that's not all that connects them.

The price of “ticking” the conditions

By setting up both a term deposit and a savings account, you can count on a promotional, much higher than standard rate.
In both cases, the highest percentages can be obtained as a new customer who will open a personal account and perform additional activity on it. A considerable interest rate also accompanies proposals for new funds.

Unfortunately, in many banks the interest rate is valid only by a predetermined time. What later? In the case of a deposit, it will be necessary to place funds on a slightly lower interest deposit or leave matters to your own run and permission to automatically renew the deposit. In some banks, however, this may mean an interest rate of up to several dozen times lower.

What does the same situation look like on savings accounts? It turns out that this is another common feature between these products. We checked what are the currently promotional rates at individual location accounts and what standard interest rates for these products applies.

A few percentage points down

At the top of the table, it ranks BNP Paribas Bank Polskawhich currently has as many as three promotions of savings accounts. The highest interest rate is a variant of a special action, which requires not only the creation of a personal account, but also a chalk card and active use of both products. 8 percent per year, because you can apply for such a rate, it can apply to a maximum of the end of November this year. After this time, the bank will apply a standard interest rate of 1 percent. per year. If the bank extends this offer, it will be possible to take advantage of another promotion, but then you need to have new funds for the bank.

We can find the line below Nest savings account From Nest bank. The current interest rate on this product is 6.80 percent. per year and can be enjoyed for 3 months. This is an offer for new customers, which requires a personal account power supply with external revenues and possibly making card or BLIK payments. After this time, the bank will apply a “bridging” interest rate of 2.25 percent. on the year until January 8 this year. Later, unfortunately, it will be a rate of 0.01 percent. annually.

Another bank with a high interest rate is Velobank. 7 percent annually on Flexible savings account It can encourage new customers of this bank to use not only this product, but also a personal account. You can't do without paying by card. After three months, you should take into account a rate of 1 percent. per year (up to PLN 100,000) if the customer does not pay new funds to the bank. According to current promotion conditions, the fulfillment of this condition would allow to receive an interest rate of 3.50 percent. or 5.20 percent per year. The higher interest rate is a variant for clients who will continue to meet the conditions of activity.

A higher promotional rate for new customers is not rare.
It can still be found in many banks such as Alior Bank, BOŚ Bank, Citi Handlowy, Bank Pekao, ING Bank Śląski and Raiffeisen Digital Bank.

Pay new funds

As mentioned earlier, some banks also have offers for new funds. This is good news for people who have already lost the status of a new customer and cannot use top rates.

Such an offer currently has, among others Alior Bank, Bank Millennium, BNP Paribas Bank Polska, ING Bank Śląski, PKO Bank Polski and Velobank. The highest interest rate in such a variant is 5.50 percent. per year And it is available at three banks – Alior Bank, Bank Millennium and ING Bank Śląski.

Interesting permanent offer

It is also worth mentioning that some banks are conducted promotions that include a higher interest rate on all customers
Regardless of whether they meet the conditions hiding under the so -called stars or not. High interest rates can be found e.g. at Aion Bank (4.75 percent per year), BOŚ Bank on a savings account (currently 4 % per annum) or Santander Consumer Bank (4.20 percent per year to PLN 50,000). Until now, banks have constantly extended these offers, although the rates have changed.

High standard interest rate Instead, they offer Renault Bank, Toyota Bank or Volkswagen Bank GmbH Branch in Poland. In terms of the percentage rate, it currently leads among the three of them the first of them, which proposes 6 percent. per year.

How to ensure a higher rate for longer? This question is difficult to answer clearly. In a few banks, you only need to have a savings account, but this is a definite minority of institutions. Some institutions will allow you to get a better interest rate for longer, but only after the additional conditions are met. It will help you make payments, provide revenues or – above all – payment of additional capital. The solution may therefore be to transfer funds between two banks to regain the status of new funds. As a last resort, the client is changing the banking service provider.

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