Even banks open their bags with gifts – promotional offers available at the turn of the year start at several hundred zlotys as bonuses for meeting simple conditions. Are you looking for a new personal account or maybe you want to invest your savings well? Check out the most interesting offers currently available on the market.
VeloBank: Flexible Savings Account with an interest rate of 6.5%
VeloBank maintains its strong position in the deposit sector, offering one of the highest rates on the market for active savers. As part of the flagship Flexible Savings Account (EKO), new customers and people depositing new funds can count on 6.5% per annum (for 3 months) for amounts up to PLN 50,000. PLN and 4.5% for the surplus up to PLN 400,000. zloty. The key advantage of the offer remains high liquidity – the bank allows any number of deposits and withdrawals without losing the accrued interest, which is a priority for many depositors in times of dynamic market changes.
To maintain the promotional conditions for the full 3 months, you must meet a simple activity condition: make at least 5 card or BLIK payments in each month of the promotion. This requirement applies to holders of VeloKonto, which is necessary to open a savings account. They can be opened at THIS LINK. If the required number of transactions is not met, the interest rate on new funds will be reduced to 4.5%, which still places VeloBank among the market leaders. Promotional applications to open an account in this edition can be submitted until January 31, 2026.
You can take advantage of VeloBank's promotional offer – 6.5% on savings on this website »
“Bonus plan” at BNP Paribas with bonuses worth PLN 670
BNP Paribas continues its promotional offensive under the slogan “Plan for a bonus”, offering new users prizes worth a total of PLN 670. The bonus is hybrid: it consists of e-codes for the Biedronka network (PLN 150) and cash bonuses paid directly to the account (PLN 520). The first stage of the reward is extremely easy to achieve – just open the Open Account for You along with the card and activate the GOmobile mobile application to collect welcome vouchers for grocery shopping.
To get the full pool of cash, you will need to be systematic in the next five months after opening the account. The bank expects customers to provide inflows of at least PLN 1,300 per month and performing at least 5 BLIK transactions for a total amount of min. PLN 200. The promotion lasts until January 25, 2026 or until the pool of 4,000 registrations is exhausted.
You can open an Open Account for you, with a bonus of up to PLN 670, on this website »
Apple Watch SE 3 from Citi Bank. Pay as usual and get your reward
Citi Handlowy is offering tempting gifts in a new promotion: Apple Watch SE 3 (worth PLN 1,099) and PLN 300 in Priceless Moments program points. An additional advantage is the waiving of the annual fee for the Citi Simplicity card for the first 12 months. The offer is limited to the first 500 applications submitted by January 7, 2026.
The condition for receiving bonuses is to demonstrate payment activity. To receive a smartwatch, you must complete transactions in the 2nd, 3rd and 4th month after concluding the contract for a total amount of min. PLN 1,000 per month. In turn, points worth PLN 300 are awarded in stages: for the first payments of PLN 300, and then for maintaining activity in the following months and loyalty to the bank for a year.
You can apply for a credit card in the promotion with Apple Watch SE 3 here, APR 19.01% »
Świat Premium account with a package of benefits up to PLN 1,000
The Premium Segment at Bank Pekao SA is an offer for customers who expect something more than a standard account. For opening a Świat Premium Account, e.g. at THIS LINK, you can win a total of PLN 1,000 in prizes. The first hundred goes to the client just for opening an account, and another PLN 900 is paid in three tranches of PLN 300 each for activity: ensuring inflows of min. PLN 2,000 and making 5 card or PeoPay application transactions per month.
In addition to the bonus, holders of the Świat Premium Account gain a preferential interest rate of 6% on the Premium Savings Account up to the amount of PLN 200,000. zloty. The account also offers a wide travel insurance package, free withdrawals from all ATMs around the world and access to a gold credit card with Żubr, which allows you to collect miles in the Miles & More program. The promotion is available for applications submitted by January 15, 2026.
Enter the world of premium w Bank Pekao SA at this link »
Santander account with a bonus of up to PLN 700
In December 2025, Santander Bank Polska is offering new customers a welcome package worth as much as PLN 700. To get the first PLN 200 bonus (stage I), you must meet several simple conditions in the first and second month following the month of submitting the application, i.e. ensure an inflow to the account in the amount of at least PLN 1,000 and perform at least 5 non-cash transactions (card or BLIK) for a total amount of min. PLN 100.
Another PLN 200 bonus (stage 2) is provided for meeting the same conditions in the third and fourth month after opening the account. But that's not the end – people who meet all the conditions of the first and second stages will receive a bonus of PLN 300. Applications under this edition of the promotion can be submitted until January 31, 2026.
You can open a promotional account at Santander Bank Polska on this website »
Do you need a cash loan? Check out VeloBank's offer only for Bankier.pl users
“Cash loan for active people +” is a special offer prepared by VeloBank for users of Bankier.pl. From promotional conditions, i.e. 0 percent. The commission and preferential interest rate can only be used in the process of applying and concluding a contract via the VeloBank SA Hotline. Importantly, this offer is not available in other sales channels of the bank.
Under this promotion, the maximum loan amount for two borrowers can reach up to PLN 300,000. PLN, and the repayment can be spread over up to 120 months. Velobank addresses the offer to both new and existing customers, provided that they have not used other forms of cash loans in the last six months. To take advantage of the promotion, you must express marketing consent (SMS, e-mail, telephone) and undertake to regularly transfer funds to VeloKonto and pay by card/Blik.
Please remember that the granting, amount of the loan and the terms of the loan depend on the result of the examination and assessment of your creditworthiness and credit risk assessment.
You can apply for a promotional loan at VeloBank on this website, APR 8.8% »
Up to 6.6% on a six-month deposit in Nest Bank
For new customers who open a personal account at Nest Bank and meet simple conditions (choose from: ensuring receipts of at least PLN 2,000/month, making at least 10 card or Blik payments from the account (to be met in two periods) or ensuring receipt of remuneration in the amount of at least PLN 2,000/month (to be met in two periods)), the bank offers 6.6% per annum on even a six-month deposit. There is an amount limit of up to PLN 25,000. PLN, the customer can only open one promotional deposit.
Open an account at Nest Bank and get an attractive deposit »
Konto Przerożne with a bonus of PLN 400 and 6% on savings
New customers in Bank Pekao SA they can gain as much as PLN 400 a cash bonus for opening, e.g., a Przemyśl Account at THIS LINK (using the “selfie” method or via e-ID). The first PLN 100 is paid just for opening an account with a card, Pekao24 online banking and the PeoPay app. Another PLN 300 bonus is available in 3 tranches of PLN 100 each. You will receive the rewards if, in the first, second and third month following the conclusion of the Przerożny Account agreement, you ensure an inflow to this account in the total amount of at least PLN 500 and make at least 5 non-cash transactions with the card issued for this account and maintain the marketing consents expressed when opening the account.
Additionally, new customers can take advantage of the promotion on the Savings Account and the Premium Savings Account, as the interest rate is 6%. on an annual basis. In the case of a Savings Account, you can deposit a maximum of PLN 100,000, while in the Premium Savings Account the limit is PLN 200,000. The maximum period during which the above-mentioned interest rates are charged for the amounts indicated is 123 days. Applications for the above promotion can be submitted until January 12, 2026.
You can open the Promotional Przerożne Account in Pekao at this link »
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