The survey shows that 26 percent respondents have savings that would allow them to function without regular income for a period of one to three months.
Read also: The tension is rising. Ukrainian summit in Poland, loan dispute, SpaceX debut
Another 7 percent respondents would find themselves in a critical situation even faster – their reserves would be exhausted in less than 30 days. This means that more than one third of the population is not protected even for half a year.
18% declare funds set aside for a period of three to six months. subjects. On the other hand 13% have reserves for six to twelve months. Poles — exactly the same percentage (13%) are people who could easily live on savings for more than a year.
Wealth determines peace
The analysis of the data clearly shows that the level of financial security goes hand in hand with the subjective assessment of one's financial situation. In the group of people who describe their situation as bad, as many as 49 percent not a single penny has been set aside.
For comparison, among people who assess their situation as good, the problem of complete lack of savings concerns only 6%. subjectsand almost every fourth representative of this group (23%) secured funds for more than 12 months of life.
Read also: I was in a train factory in the Czech Republic. One thing surprised me
War and high prices keep people awake at night
The study also answers the question of what Poles fear most. At the top of the list were the geopolitical situation and the risk of armed conflicts (44%) and a further increase in the cost of living and prices of services (43%).
We are slightly less concerned about energy and fuel prices (34%) and medical costs (32%). The specter of higher taxes causes fear in 20 percent. respondents, and labor market instability in 18 percent. Fears of cyber threats (15%), artificial intelligence (12%), and recession and loan installments (10% each) are of marginal importance.
— Risk perception varies depending on age. Armed conflicts are the main source of anxiety for 64 percent. seniors, while among people aged 18-29 it is indicated by 23%. subjects. Younger respondents are more likely to be afraid of an increase in the cost of living (39%) and taxes (37%), explains Magdalena Drążkowska, senior manager at Santander Consumer Bank.
The research was carried out on behalf of Santander Consumer Bank using the method of telephone, standardized computer-assisted questionnaire interviews (CATI), conducted by the Institute of Market and Social Research (IBRiS) between February 27 and March 5, 2026. A representative group of adult Poles numbering 1,000 people took part in the study.
