Interest rate reduction at PKO BP in February 2026 on the best deposit

The New Funds deposit at PKO Bank Polski has recently had a new, slightly reduced interest rate. Customers who deposit the maximum amount covered by the limit will now receive up to PLN 150 less than those who used the bank's deposit even a day before this change.

From February 15, 2026, a new price list for deposits for individual clients is in force at PKO Bank Polski. The change only applies to the New Means Deposit, which is the highest interest-bearing deposit the bank offers, excluding proposals related to investment funds.

Up to PLN 150 difference

According to the new table, the interest rate on the mentioned deposit is: 3.70 percent on an annual basisi.e. by 0.30 pp. less than a few days ago. The remaining parameters of the deposit have not changed – you can deposit money into the deposit up to PLN 250,000. Funds are paid to 3 months. The maximum profit that can be recorded on this deposit is PLN 1,873.13 after deducting capital gains tax. Before this change, you could count on a payment of PLN 2,025 by depositing PLN 250,000.

After the maturity period, the bank pays out the customer's savings along with the accrued interest. Due to the additional condition, which is the payment of new funds, the deposit cannot be automatically extended. When it comes to the requirement set by the bank, new funds are considered to be the difference between the sum of money in the client's deposit accounts on the day on which the deposit is opened and the sum of the client's money on the reference date, which in this edition is February 11, 2026. The deposit can be used until March 14, 2026

PKO BP with another cut

This is not the first interest rate reduction that the largest bank in Poland has recently carried out. On January 16, 2026, the interest rate on Lokata Mobilna was reduced – from 3.50 to 3.20 percent. on an annual basis.

On the same day, a new edition of the Savings Account Plus promotion came into force, which also brought a change in the interest rate – from 4.10 to 4.00 percent. on an annual basis. The maximum amount covered by this interest rate has not changed, nor has the period for calculating the increased interest rate.

Promotion of a personal account in PKO BP

A deposit for New Funds can only be opened in connection with a personal account offered by the bank. Currently, PKO BP is leading personal account promotion, where you can gain up to PLN 1,200 as a refund of payments made on Allegro.

One of them is a standard offer, thanks to which you can get up to 3% return. The second one is a special promotion in which the bank increases the return to 5% for the first 30 days of the promotion. The maximum monthly refund amount is PLN 100, which gives a total of up to PLN 1,200 over twelve months. Participation in the promotion requires using the Allegro Klik service and connecting your personal account with your Allegro account, as well as meeting the activity conditions (standard return). The increased refund promotion is valid until March 31, 2026.

You can open a promotional account at PKO Bank Polski on this website »

Prepared by MDe

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