Best Premium accounts – September 2025.

The Premium account is a solution for those who want the bank to take care of their comfort and savings. No fees for payments from ATMs around the world, the possibility of contact with a personal adviser or the benefits of travelers – these are only part of the advantages we were looking for among the current offers in the latest Bankier.pl ranking.

This time the best bills for more demanding customers came under the magnifying glass. The following factors were taken into account in the premium account analysis:

1. Fees:

• keeping an account – Premium bills are slightly higher valued by banks than standard personal accounts. 1 we grant the point if the account is unconditionally free, while 0 points in the case of a fee of at least PLN 100. For every PLN 10, 0.10 points is subtracted in the fee. Points are awarded with an accuracy of 0.01,
• debit card support – If the bank does not charge a monthly fee for using the debit card, 1 point is awarded. In other cases, points are not assigned,
• Payments from all ATMs in the world –
  1 point if payments from ATMs are free – both at home and abroad.

2. Additional benefits:

• The rate on the highest interest -bearing savings product available for the new premium customer – points for available interest rates are multiplied by a fixed 0.1,
• Account promotion available – If a premium account is available in a special promotion that allows you to get a bonus or reduce the fee for the management, the bank receives 1 point,
• Available services for travelers without fees – If the bank has a solution addressed to people who travel or use foreign currencies, 1 point is added.

3. Additional servicesand:

• Individual advisor at the Bank's facility – 1 point for the possibility of meeting a personal advisor at the bank branch,
• The scope of offered mobile payments – 0.25 points for the availability of mobile payments from the list – Apple Pay, Blik, Garmin Pay, Google Pay, Swatchpay!, Xiaomi Pay.

If the bank does not have a separate segment with this group of customers, but its offer includes an account promoted as VIP or Premium, this account also supplies the ranking. However, the accounts available only as part of the Private Banking segment have not been included in the list.

The best premium class account

Ranking of Premium accounts – September 2025.
LP.	Bank and account name	Sum of points	Points for fees: A. Account keeping B. Service of the debit card C. Payments from all ATMs in the world			Points for additional benefits: D. interest on the savings product E. Premium account promotion F. Free services for travelers			Points for additional services: G. Individual advisor at the facility H. mobile payments
			AND	B	C	D	E	F	G	H
1.	BNP Paribas bank My Premium account Submit an application On the bank's website	7.90	0.60	1	1	0.80	1	1	1	1.50
2.	Bank Pekao Account World Premium Submit an application On the bank's website	7.45	0.50	1	1	0.70	1	1	1	1.25
	Santander Bank Polska Select account Compare others Account offers	7.45	0.55	1	1	0.40	1	1	1	1.50
3.	Credit Agricole Account for you VIP Compare others Account offers	6.75	0.50	1	1	0.75	1	1	0	1.50
4.	mBank mkono intensive Submit an application On the bank's website	6.62	0.50	1	0	0.62	1	1	1	1.50
5.	PKO Bank Polski Aurum account Compare others Account offers	6.575	0.60	1	1	0.475	0	1	1	1.50
6.	Commercial citi Citigold Compare others Account offers	6.39	0	1	1	0.64	1	1	1	0.75
7.	ING Bank Śląski Active account Compare others Account offers	6,10	0.55	1	1	0.55	0	1	1	1
8.	BPS Bank VIPCONTO Compare others Account offers	5.73	0.83	1	1	0.40	0	1	0	1.50
9.	Velobank Velokonto Premium Compare others Account offers	5.45	0.50	1	1	0.70	0	1	0	1.25
10.	Bank Millennium Millennium 360 Prestige account Compare others Account offers	5.05	0.50	1	1	0.55	0	1	0	1
11.	BOŚ Bank VIP Plus account Compare others Account offers	4.70	0.50	1	1	0.70	0	1	0	0.50
Source: own study Bankier.pl based on tables of fees and commissions, interest rates, bank websites and websites of mobile service providers, on September 8, 2025.

It came first My Premium account From BNP Paribas Bank Polska SA. The account accumulated the most points among all the proposals analyzed. The fee for its conduct is PLN 40, but it can be avoided after meeting one of two release conditions. This may be ensured in the month preceding the collection of a fee of specific revenues on this account and a currency account, kept at BNP Paribas bank under the same contract, in a total amount of min. PLN 10,000 or having a savings balance at PLN 100,000. The bank does not charge fees for using my premium card to your account and for paying funds from ATMs around the world. The customer can make an appointment with an individual adviser and at his disposal there is a set of analyzed mobile payments: Apple Pay, Blik, Garmin Pay, Google Pay, Swatchpay!, Xiaomi Pay. People who often leave will appreciate the insurance “Trip resignation” added to the “My Premium Card” debit card, free of its holders. You can also add a lack of commission to the pluses of this debit for conversion for payments made with this card in foreign currencies. My premium account can now be opened in a promotion that will allow up to 8 percent. per year, up to PLN 25,000 on the location account until 30/11/2025 and gives you the opportunity to win additional prizes – PLN 200 bonus to the account and PLN 200 in the form of e -vourahers in the Mastercard loyalty program priceless moments after meeting the conditions indicated in the Regulations of the sale of the bonus account with the bonus and credit card – edition 3 accessible on the bank. Promotion can be started until the 2500 access pool is exhausted, but not longer than by 30/09/2025.

Two bills vice -leader

The second place was taken by two suggestions – the World Premium account (Bank Pekao) and the Select account (Santander Bank Polska), which collected a total of 7.45 points.

Account World Premium
From Bank Pekao This is a bill that offers a number of benefits-no fees for using a debit card, paying funds from all ATMs in the world for PLN 0, no currency conversion, low rate guarantees or the possibility of using autopay and e-winches. The invoice is covered by a monthly fee of PLN 50, however, as in the case of the leader, customers may apply for exemption from this charge. For this purpose, assets of PLN 200,000 should be provided in the month preceding the charging of the fee. The fee is valid from the fourth month, because as part of the promotion, the bank offers automatic exemption from it for the first three months of using the account. As part of the promotion, you can receive an exemption for the following months after using investment or credit products. The amount of the account also includes the possibility of obtaining an increased to 7 percent. per year, the percentage rate on the savings account, the possibility of meeting a personal advisor in selected locations and access to most analyzed mobile payments. So far, bank customers cannot use Xiaomi Pay.

In the same position it was placed Select account offered by Santander Bank Polska. The institution has won the maximum number of points for the lack of a monthly fee for the card, the possibility of making payments from all ATMs in Poland and abroad without fees, additional benefits for travelers (currency exchange), the availability of all mobile payments and the possibility of meeting an advisor with the adviser at the bank branch. The offer is available in the promotion, which will allow you to get up to PLN 500 of the bonus, provided that the account is actively used at the time given in the regulations. The invoice is covered by a monthly fee of PLN 45, which will not be charged provided that you provide revenues of min. PLN 10,000 or guaranteeing the assets balance of PLN 150,000. The current interest rate that the new bank's customer can count on is 4 percent. Annually on the SELECT savings account for savings up to PLN 100,000.

Third place for Credit Agricole

There was still in the top three Account for you VIP From Credit Agricole. An account can be a good solution for those who are looking for an invoice with a lack of fees (even conditional) for using the debit card and withdrawal from all ATMs in the world. There is an exchange office in Credit Agricole, which will facilitate currency exchange, and an additional facilitation will be a wide selection of mobile payments, for which the bank received the maximum number of points. The bill can be opened in a promotion, which can result in a refund for payments of up to PLN 1,000. New customers may also be interested in opening a promotional quarterly deposit at 7.50 percent. per year. The bank charges a fee of PLN 50 for keeping an account. It is not calculated if the ROR is affected by the funds of min. PLN 10,000 or balance on all customer accounts will be PLN 150,000. On the downside, you can note the lack of support for individual customer advisor.

Monika Dekrewicz

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