publication
2025-12-22 10:40
A new interest rate table has come into force at Citi Handlowy, which means another decrease in interest for those using the bank's savings accounts. This is not the first change, because in the first half of the month the bank also limited the attractiveness of term deposits.
On December 22, 2025, a new table of interest rates for Citi Handlowy accounts came into force. In accordance with its provisions, the standard rate on the Savings Account and the Super Savings Account is changing.
In the case of the first of the mentioned accounts the interest rate drops from 1.20 to 1.00 percent. per year for all deposited savings. The same change applies to the SuperSavings Account, but for the surplus of accumulated capital over PLN 20,000. For funds that do not exceed this limit, a rate of 4 percent on an annual basis and it has not been updated.
To use both savings accounts and term deposits at Citi Handlowy, you must be the holder of a personal account offered by Citi Handlowy. The choices include: CitiKonto or Citigold.
The next stage in February
However, the mentioned reduction on savings accounts is not final. On the bank's website you can now find the next interest rate table dated February 6, 2026.
According to its provisions, the standard rate on the Savings Account and for the surplus on the SuperSavings Account over the deposit of PLN 20,000 will be 0.80%. on an annual basis.
For owners of the SuperSavings Account, this is not the only change, because this time they will not avoid a rate reduction for amounts up to PLN 20,000. From February 6, 2026, it will be 3.50%. per annum, not 4%. per year so far.
Savings account in the “Open CitiKonto and get 6% and up to PLN 300” promotion»
This is not the first reduction at Citi Handlowy
These are not the only rate cuts at Citi Handlowy that have taken place recently. The bank did not hesitate to introduce reductions – just like its competitors – and the negative changes also affected deposits available in the standard offer and deposits offered as prizes in the Citigold account promotion.
We have already written about the change in the bank's offer on Bankier.pl, but it is worth recalling the most important discounts. First of all, they affected the Term Deposit, T-Deposit and Your Deposit. For some periods, the cut was 0.50 percentage points. A slightly smaller reduction applies to deposits available in the promotion addressed to new bank customers. People who open a Citigold account have a chance of a rate of 5.80%. per annum on a quarterly deposit. In the previous edition it was 6.00 percent. on an annual basis.
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