publication
2026-03-16 06:00
Analysis of offers for the amount of PLN 10,000 shows that the fight for deposits from new customers is still ongoing. At the top of the March ranking were proposals with interest rates of up to 7 percent. on an annual basis. However, interested parties should know that maintaining such a rate may involve the need to monitor additional activity.
This time our attention is focused on the analysis of deposit accounts that may be of interest to both beginner savers and well-versed so-called cherry picker looking for the best rate. The table shows the highest interest-bearing savings accounts to which you can deposit PLN 10,000. The interest rate offered by the bank determines the position in the ranking. In the last column we also provide other important information, but they do not affect the position occupied by a given bank. One institution can be included in the ranking only once – with its best offer.
The best savings accounts for 10 thousand zloty
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The best savings accounts for 10 thousand PLN – March 2026 |
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No. |
Bank Account |
Interest rate [p.a.] |
Additional terms |
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1. |
BNP Paribas Bank Polska Deposit Account in the “Lucky Sevens” promotion COMPARE OTHERS |
7.00% |
Offer for new customers who open a personal account with a debit card and a Deposit Account. The rate for the first month is 7% per annum. In the following years (up to April 30, 2026), the interest rate will be 7% per annum, provided that at least: 4 non-cash transactions with a debit card, posting receipts in the amount of min. PLN 1,000. Conditions are performed in the month preceding the rate calculation. Conditions must be met every month. Offer available only at the bank branch, until April 30, 2026, up to PLN 50,000 |
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BOŚ Bank Digital Profit savings account COMPARE OTHERS |
7.00% |
Offer for new customers, until March 19 this year, up to PLN 15,000 |
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2. |
Nest Bank Nest Savings Account SUBMIT AN APPLICATION |
6.60% |
Offer for new customers who create an account and meet the conditions (to choose from): a) ensuring revenues of at least PLN 2,000/month, min. 10 card or Blik payments (to be completed in two periods), b) ensuring that the remuneration affects the amount of min. PLN 2,000/month (to be met in two periods), for 90 days, up to PLN 25,000 |
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3. |
VeloBank Flexible Savings Account SUBMIT AN APPLICATION |
6.00% |
Offer for new customers opening a savings account in remote channels together with a personal account, who will perform at least 5 card or Blik transactions every month. Required expression of marketing consents, for 3 months, up to PLN 50,000 |
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4. |
ING Bank Śląski Open Savings Account SUBMIT AN APPLICATION |
5.50% |
Offer for customers who did not use their savings account at the bank within the time specified in the regulations. The requirements include opening a personal account and completing at least: 15 card or Blik transactions (in stationary stores) from the account, logging in min. 3 times to the bank's mobile application and at the end of the promotion period having a final balance higher than the initial balance, for 3 months, below PLN 400,000. The promotional rate is capitalized quarterly |
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5. |
Alior Bank Starter Savings Account SUBMIT AN APPLICATION |
5.20% |
Offer for new customers who open a personal account, express marketing consent and perform transactions for an amount of min. PLN 500 by debit card or Blik in each billing cycle, for 4 months, |
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Source: Own study by Bankier.pl based on interest rate tables and banks' websites, as of March 13, 2026. |
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The March ranking of savings accounts has two leaders. Both proposals in the first place in the table are subject to a rate of 7 percent on an annual basis. The first of them (in alphabetical order) is Deposit Account From BNP Paribas Bank Polska available as part of the “Happy Sevens” promotional offer. This account is addressed to new customers who open a personal account with a debit card. In the first month, the given interest rate will apply without the need to meet additional requirements. For the rate to be charged in April, the customer must complete at least: 4 non-cash card transactions and ensure receipts of at least PLN 1,000 in the previous month. The promotion applies to funds up to PLN 50,000. Interest is accrued until April 30 this year.
It encourages you to take advantage of its offer with the same rate BOŚ Bank. Interest rate in the amount of 7 percent annually this is part of the offer Digital Profit savings account. New bank customers can use it. This is where the list of additional conditions ends. The bank promotes this account as part of short special campaigns. Under the current edition, the increased rate is valid until March 19 this year. and covers funds up to PLN 15,000.
6.60 percent on an annual basis
this is a proposition Nest Bank. The given interest rate can be found at Nest Savings Account. This is another offer for new customers. Required to open a personal account and meet additional conditions in two periods. This may include ensuring remuneration inflows into a personal account in the amount of min. PLN 2,000 per month, and it may be providing any income in the same amount supported by additional activity. Under this slogan, the bank understands making mines. 10 card or Blik payments per month. The given rate is calculated for 90 days and applies to an amount not exceeding PLN 25,000.
There was one more in the top three Flexible Savings Account From VeloBankwhich has recently had slightly lower interest rates – 6 percent on an annual basis. Those interested in the offer must be new customers who open a personal account, express marketing consent, open EKO via remote channels and meet the activity conditions. These include making at least 5 cashless transactions with a card or Blik every month. 6 percent annually valid for 3 months and covers funds up to PLN 50,000.
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