Where to Get 6% on Your Savings in Poland (September 2026)

Why Polish banks pay 6% when the central bank rate is 3.75%

Poland's central bank, Narodowy Bank Polski (NBP), sets interest rates through its Monetary Policy Council, known by the Polish acronym RPP. At its meeting on September 8-9, 2026 the RPP left rates unchanged: the reference rate stands at 3.75%, where it has been since March 2026, the lombard rate at 4.25% and the deposit rate at 3.25%. Consumer inflation rose to 3.4% year on year in August from 3.0% in July, and the next rate decision is due on October 7, 2026. Any savings offer paying 6% therefore sits a full 2.25 percentage points above the reference rate.

Banks are not being generous. They pay above the market to win new customers, which is why every top rate in this article is a short-term promotion: capped in amount, limited in time and tied to conditions such as opening a personal account or using a card every month. Once the promotional period ends, your money drops to a standard rate that can be roughly half the headline figure.

The top of the market did not fall in September, it shifted. BOS Bank doubled the cap on its 7% account to 30,000 PLN and extended the promotion to the end of September, VeloBank raised its 6% cap to 100,000 PLN and Raiffeisen Digital Bank raised its welcome-deposit cap to 150,000 PLN, while Alior Bank cut its rate from 6% to 5.5%. Banks are now competing on how much money they will take at the top rate rather than on the rate itself, which suggests 6-7% is close to the ceiling rather than the start of a bidding war.

The best savings rates in Poland: September 2026 overview

VeloBank extended its two flagship 6% promotions on August 6, 2026, and again on September 17, 2026 under a new edition of both offers. The savings account now runs until October 7, 2026, with its cap raised from 50,000 to 100,000 PLN, and the 6-month deposit runs until November 4, 2026, still capped at 50,000 PLN. Alior Bank went the other way: on July 31 it raised its Konto Oszczednosciowe na Start from 5% to 6% while cutting the cap from 200,000 PLN to 50,000 PLN, but the edition running from September 8 to October 13, 2026 pays 5.5%. Two banks joined the top of the table in September: BNP Paribas with the Lokata Dynamiczny Zysk, a 4-month deposit whose rate climbs month by month from 4% to 8% for an average of 6.0%, and Bank Pekao with 5.7% on a savings account paired with Konto Przekorzystne. Here is how the leading offers compare.

The table shows the state of play as of September 19, 2026. Two more offers matter for larger balances: mBank's Moje Cele pays 5.5% up to 200,000 PLN (5.3% up to 100,000 PLN, depending on the account variant) for 180 days until November 30, 2026, and Bank Millennium's Konto Oszczednosciowe Profit pays 5.25% on new funds up to 200,000 PLN for 91 days until October 21, 2026. Erste Bank Polska in the table above is the former Santander Bank Polska, so do not be confused if you still see the old name in some apps. For live offers across all banks, check our savings account ranking and term deposit comparison.

The small print: what the conditions mean for a foreigner

Every offer above targets new clients, and in practice you usually cannot grab just the savings product: most banks require you to open a personal account (Polish: ROR) alongside it. Then come the activity conditions. VeloBank asks for at least 5 card or BLIK payments a month on its savings account and Bank Pekao for 5 card payments, Alior wants at least 500 PLN of monthly card or BLIK spending (otherwise the rate drops to 2%), and the VeloLokata requires inflows of at least 2,000 PLN in every full month of the deposit. Alior and the VeloLokata also require you to keep marketing consents active for the whole promotional period. BOS Bank is the lightest of the lot: no salary or transaction requirements, but you must be a new client and open the account in the BOSBank24 app with video verification. If your salary lands in another bank, redirecting part of it is effectively the price of the rate.

Miss a condition or wait out the promotion and the fallback is stark. VeloBank's unconditional Lokata na Nowe Srodki pays 3.00% for 2 months, 3.20% for 3 months and 3.40% for 6 months, roughly half the promotional rate. On the Elastyczne Konto Oszczednosciowe, any balance above the 100,000 PLN tier (raised from 50,000 PLN on September 17, 2026) earns 4.00%, up to 400,000 PLN. At BOS Bank, money above the 30,000 PLN cap earns 2.3%.

Two things every expat should know before comparing net returns. First, interest in Poland is quoted gross: the bank automatically withholds the Polish levy on interest income, known as the Belka tax, so what reaches your account is lower than the headline rate, and you do not file anything yourself for bank interest. Second, deposits at banks operating under a Polish licence are protected by the Bankowy Fundusz Gwarancyjny (BFG), Poland's deposit guarantee scheme, regardless of your citizenship. Raiffeisen Digital Bank is the exception on this list: it operates on an Austrian licence, so your money there is covered by the Austrian guarantee scheme instead, and the bank withholds 25% Austrian capital-gains tax unless you, as a Polish tax resident, file the exemption.

How to capture 6% before the deadlines pass

Match the offer to the amount you actually hold. Up to 30,000 PLN, BOS Bank's 7.0% Cyfrowy Zysk is the top rate, but you must open the account through the mobile app and join by September 30, 2026. Up to 25,000 PLN, Nest Bank's 6.1% is the longest-lasting top rate on the market, available as a 6-month deposit or a 90-day savings account. Between 25,000 and 50,000 PLN, VeloBank's VeloLokata dla Aktywnych pays 6% for 6 months and BNP Paribas averages 6.0% over 4 months. Up to 100,000 PLN, VeloBank's savings account pays 6% and Bank Pekao 5.7%. Up to 150,000 PLN, Raiffeisen Digital Bank takes it all at 5.6% in one place. Above that, split the money between banks or accept VeloBank's 4.00% surplus tier, which absorbs balances up to 400,000 PLN.

The calendar matters. Bank Pekao's enrolment closes first, on September 23, 2026, then BOS Bank's 7% promotion on September 30 (the bank says it may extend again), VeloBank's savings account on October 7, Alior's account-opening window on October 13, and VeloBank's 6-month deposit on November 4, 2026. The next RPP decision is also due on October 7, 2026. This article reflects the state of play on September 19, 2026: promotional deposits in Poland change from month to month, and any of these offers can be withdrawn or repriced earlier.

If your horizon is shorter than a deposit term, or your money sits in euros or dollars rather than zloty, see our guides to short-term savings in Poland and EUR and USD currency accounts. Rotating between new-client promotions every few months is legal and common in Poland; the cost is admin time, not risk, as long as you stay within guarantee coverage and read each bank's terms document (regulamin) before signing.