Best savings accounts in Poland

The guarantee is the złoty equivalent of €100,000, converted on the day it is triggered and paid in złoty whatever currency the account was in. Interest is taxed at a flat 19% that a Polish bank withholds, so nothing goes in your return.

Best rates available in Poland

Checked on 28 September 2026. 9 savings accounts, term deposits and money market funds from 8 providers accept someone resident in Poland. The three highest rates:

Raisin, Deposit marketplace at 4.25%, fixed term, no minimum, deposit guarantee: the partner bank's national scheme, up to €100,000.
bunq, Easy Savings at 3.01%, instant access, no minimum, deposit guarantee: Netherlands, up to €100,000.
Trading 212, Interest on cash (Trading 212 Markets Ltd) at 2.50%, instant access, no minimum, investor compensation: Cyprus ICF, up to €20,000, which is not a deposit guarantee.

6 of the 9 are covered by a national deposit guarantee scheme. The best rate you can withdraw at any time is 3.01% at bunq, and the best fixed term is 4.25% at Raisin. Rates are variable unless the entry says the term is fixed.

What to know if you live in Poland

Deposits are covered up to the złoty equivalent of €100,000 per depositor per bank, converted at the average euro rate published by Narodowy Bank Polski on the day the guarantee is triggered, and paid out in złoty whatever currency the account was in. Up to €200,000 is covered for three months after a home sale, a division of property on divorce, an inheritance, a life or accident insurance payout, severance or a pension (BFG).

Interest is taxed at a flat 19% that a Polish bank withholds, so nothing goes in your annual return (podatki.gov.pl). Interest from a bank in another country has no Polish payer, so you declare it yourself at 19% in field 46 of PIT-38 and credit any tax withheld abroad in field 47, capped at the Polish 19%.