publication
2026-04-14 12:05
The interest rate on foreign currency deposits in Poland rarely exceeds 1.00%. per year, but there are banks that have promotional rates. Among them is Nest Bank, which offers up to 2.25%. per annum on deposits in EUR. The highest interest rate is available on a 12-month deposit, but it is necessary to open a personal and currency account and meet an additional condition.
Banks operating on the Polish market can be divided into three groups. The largest of them offers symbolic rates on currency deposits, usually not exceeding 1%. on an annual basis. Second in order is a group of institutions that do not offer deposits in any currency other than PLN.
The last one consists of banks that offer slightly higher interest rates on deposits in foreign currencies, while encouraging people to open a currency account to service the deposit. This group includes, among others: Nest Bank.
A deposit for new funds with a promotional rate
Nest Bank's offer includes only deposits in PLN and EUR. In the case of a currency offer, the interested party can choose from two options – Nest Lokaty New Funds EUR
and Nest Lokaty EUR. For a new customer, the first one will be a much better choice due to the higher interest rate. However, current customers of the bank who deposit new funds on deposit can also take advantage of the promotion. The base day on which the bank checks the balance of funds is currently March 27, 2026.
Interest rate on Nest Lokacie New Means EUR looks like this:
- Deposit for 3 months – 1.80%. per year,
- Deposit for 6 months – 1.90%. per year,
- Deposit for 9 months – 2.00%. per year,
- Deposit for 12 months – 2.25%. on an annual basis.
When it comes to the standard offer, the bank offers: Nest Lokacie EUR: :
- Deposit for 3 months – 0.10%. per year,
- Deposit for 6 months – 0.80%. per year,
- Deposit for 9 months – 0.90 percent per year,
- Deposit for 12 months – 1.00%. on an annual basis.
For both deposits, there is a minimum and maximum deposit limit of EUR 1,000 and EUR 500,000, respectively. However, the bank does not limit the number of currency deposits held per customer.
You can open a currency deposit with Nest Bank on this website »
Savings account in euro as an alternative
There is also plenty in the bank's offer savings account in EU currency. Currently, the account carries an interest rate of 1.25 percent on an annual basisu, which is valid for 120 days for an amount not exceeding EUR 200,000. The condition is that you do not have an amount of EUR 500 or more on your accounts and deposits in EUR at Nest Bank as of December 31, 2025. If this condition is not met, the interest rate is 0.01%. on an annual basis.
To use a currency deposit or savings account at Nest Bank, you must: open Nest Account Currency in EUR. Maintaining an account costs PLN 0 per month – a similar rate applies to the fee for servicing a virtual card in EUR. The offer is addressed to holders of Nest Account in PLN.
You can open a currency deposit with Nest Bank on this website »
The publication contains affiliate links.
