The best savings accounts in February 2026. 7% is not everything

Although the market ceiling in February 2026 reaches 7% per annum, the fight for customer wallets takes place on many fronts. In our latest ranking, we took a closer look at not only interest rates, but also amount limits and promotion periods. The winner of the ranking won not by the highest stake, but by repeated presence at the top of each of the mini-rankings.

In February, to determine the market leader, we used not one, but three parameters that may be of interest to people planning to open a savings account. For this purpose, we selected the 10 accounts with the highest interest rates and for them we also checked the deposit limit covering the given rate and the period in which it is accrued. As a result of these analyses, three mini-rankings and one final ranking were created based on the positions taken in individual rankings. One banking brand may appear in the ranking once – with a savings account with a higher interest rate.

The best savings accounts in February

It takes first place in the ranking of savings accounts in February
Citi Handlowywhich had the lowest average position in three mini-rankings. Interestingly, Savings account it didn't top any list, but it was at the top of each of them, which was enough to win. A savings account from Citi Handlowy is subject to a rate of 5.60 percent on an annual basis and covers funds up to PLN 100,000. Interest may accrue until the end of May after additional conditions are met, which include ensuring inflows to the personal account in the amount of min. PLN 2,000 per month and making card payments of min. PLN 300 per month. The offer is addressed to new customers who will open CitiKonto.

They came in second place Deposit Account From BNP Paribas Bank Polska and Flexible Savings Account From VeloBank. Both accounts have an average position of 3.33. The offer from BNP Paribas is characterized by a high interest rate of 7%. on an annual basis and may be valid until the end of April. The maximum amount is PLN 50,000. The offer is available to new customers who will open a personal account with a debit card, ensure that the income on their personal account is not less than PLN 1,000 per month and perform at least 4 card transactions per month.

The same place is occupied by a proposal VeloBankwhich was extended a few days ago. The bank offers an interest rate of 6.50%. per annum up to PLN 50,000 for 3 months. This is an offer for new bank customers who will open VeloKonto in remote channels, express marketing consent and actively use the card or Blik, performing at least: 5 payments per month.

Finally, there were three proposals in the top three. It has the highest rate among those in this position Nest Bank on Nest Savings Account
– 6.60 percent on an annual basis. Bank Millennium in turn, it is distinguished by the highest limit for which a given rate applies. You can transfer up to PLN 200,000 to the Profit Savings Account at a promotional interest rate. Third place also went to the proposal Alior Bank. The Start Savings Account is an account that offers the longest period of accruing a higher interest rate – 4 months.

Best rates on accounts in February 2026.

The rate is high 5 percent to scale year was the minimum that allowed us to be included in the table of the ten highest interest-bearing savings accounts. The highest interest rate is currently 7 percent on an annual basis and it is available in two banks. This rate is listed in BOŚ Bank on the Cyfrowy Zysk Savings Account and in BNP Paribas Bank Polska on the Deposit Account. Both offers are subject to additional terms and conditions.

Slightly lower interest rates are offered by banks ranked in the next two positions. IN Nest Bank you can count on 6.60 percent annually on the Nest Savings Account aw VeloBank at 6.50 percent annually as part of a promotion for new customers opening a Flexible Savings Account.

The highest limits on savings accounts

Among the proposals that offer the highest rates on the market, the largest amount per percentage given in the previous table can be deposited in Bank Millennium to the Profit Savings Account – PLN 200,000.

Almost the same capital can be invested in ING Bank Śląski. In this case, the interest rate is 5%. savings below PLN 200,000 will be covered per year. Third place was taken by offers with a limit of PLN 100,000 – Savings Account from Bank Pekao and Savings account from the offer Citi Handlowy as part of the CitiKonto promotion.

Higher rate for up to four months

The savings will last the longest Alior Bank. The promotional rate on the Start Savings Account is valid for 4 months. Savings for a slightly shorter period will be subject to a higher rate in Citi Handlowy. After meeting additional conditions, the bank will apply it from February to May inclusive.

By far the most popular promotional period used by banks is 3 months. We can find such a period in many banks – including those that offer some of the higher rates on the market. The list includes accounts from Bank Millennium, Bank Pekao, ING Bank Śląski, mBank, Nest Bank and VeloBank.

Additional information about savings accounts

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