Savings Account Ranking (?7.1%) | July 2025
Want to make the most of your savings in July? You’ve come to the right place! We’ve compiled the latest savings account offers available from banks for July 2025. To help you choose the best option, the second part compares these accounts with a bank deposit ranking.
How was the ranking of the highest interest-bearing savings accounts for July 2025 created?
SAVINGS ACCOUNT RANKING – JULY 2025
? Nest Savings Account at Nest Bank: 7.1%
First place goes to a savings account from Nest Bank, offering a promotional interest rate of 7.1% for three months. To take advantage of the offer, customers must open a personal account with the bank and meet minimum monthly income requirements.
? Flexible Savings Account at VeloBank: 7%
Second place on the podium is the Flexible Savings Account at VeloBank, offering a 7% rate for funds up to PLN 50,000. To take advantage of the offer, you must complete at least five transactions by card or BLIK.
? CitiKonto with a savings account at CitiBank: 6.8%
Last place went to CitiKonto, a savings account offering a promotional annual interest rate of 6.8% (for four months and up to PLN 100,000). The account, card, transfers, and Citi ATM withdrawals are free, and the account can be opened entirely online.
Savings account interest rates – July 2025
The account offers a 7.1% interest rate for a 90-day term. Requires opening a personal account with Nest Bank. It is necessary to meet the requirement of receiving remuneration in the amount of PLN 2,000 and, if necessary, making 10 transactions with a Nest Bank card or the Blik system. After 90 days, the interest rate drops to 2.5%.
Interest rate outside the promotion: 2.5 and 0.01%
The Flexible Savings Account at VeloBank is a product aimed at new customers, distinguished by a regularly renewed promotion with an increased interest rate (7% per annum for funds up to PLN 50,000 – provided that the condition is met of making at least five non-cash transactions by card or BLIK on the linked personal account).
Interest rate outside the promotion: 1% up to PLN 100,000
Offer available while contracts last or until July 9, 2025.
New customers opening a CitiKonto account can take advantage of a promotional interest rate of 6.8% per annum on savings accounts up to PLN 100,000 and receive a bonus of up to PLN 300. The account is free of charge, as are the debit card, standard domestic transfers, and withdrawals from the bank’s ATMs. The account opening process can be completed online.
Non-promotional interest rate: 1.2%
Certain conditions must be met, such as having a debit card and no previous banking products.
The Savings Account at Bank Pekao SA is an account designed for free savings, allowing you to deposit and withdraw funds without losing interest. This offer is particularly advantageous thanks to the promotional rate of 7% per annum, which applies to amounts up to PLN 100,000 for the first 5 months. The account is available until September 30, 2025. additional profits for opening a Przekorzystne Account with the PeoPay application and performing certain transactions.
Non-promotional interest rate: 1.5%
Only for new funds
The Profit Savings Account at Millennium Bank is a great option for those looking to safely invest their financial surplus. A key advantage is the ability to receive a high, promotional interest rate of 5.5% per annum for 90 days. However, this promotion applies only to new funds and requires meeting activity requirements. To take advantage of the offer, a personal account, such as a Millennium 360 account, is required.
Interest rate outside the promotion: 1% up to PLN 250,000 and 1.5% for the excess
For new means.
By opening an Alior Account, customers have the chance to earn a bonus of up to PLN 800 (if they actively use the account) and points in the Priceless Moments program, which can be redeemed for prizes such as gift cards. Opening an account allows you to take advantage of a promotional 7% annual deposit and the Mega Savings Account, which offers an annual rate of 5.5%. (t only for new funds).
Interest rate outside the promotion: 1%
Only for new funds
This product is aimed at new customers who want to open a personal account and take advantage of mBank’s promotion, which includes a cash bonus and an attractive interest rate on a term deposit. After meeting the promotion’s terms, you can receive up to PLN 870 in bonuses (including PLN 620 for activity and up to PLN 250 in the referral program) and open a 3-month term deposit with an annual interest rate of 6%.
The bank also allows you to open an e-Savings Account, which offers interest calculated daily and paid monthly. The interest rate depends on the balance – funds up to PLN 99,999.99 earn 0.75% annual interest, while balances above that amount earn 1.00%. A significant advantage of the account is that the interest earned is not lost in the event of early withdrawal – users can freely access their funds when needed.
Non-promotional interest rate: 0.75-1%
Term deposits vs. savings accounts: comparison of offers from rankings as of June 2025
If we compare the rates in the deposit ranking with the interest rates on savings accounts in the second ranking, we find that the accounts offer slightly higher interest rates—6.06% for accounts and 4.45% for deposits. However, this is due to promotional rates set by banks to attract customers. These rates are time-limited and require meeting certain conditions.
When we compare the annual interest rate on deposits with standard rates on savings accounts, the situation looks completely different. Deposits offer an average of 4.45%, while savings accounts offer customers 1.29%.
Apart from the promotion, the choice between a deposit and a savings account is primarily a choice between a higher profit achieved at the expense of freezing money for a longer period in a deposit, and the flexibility of a savings account.
The interest rate on bank deposits and savings accounts in Poland is directly linked to the level of interest rates set by the Monetary Policy Council ( high rates favor more attractive interest rates on deposits ).
FAQ
Jakie konta oszczędnościowe są najlepsze na lipiec 2025?
The highest promotional interest rates among savings accounts are offered by Nest Bank (7.1%) and VeloBank (7%).
Lokata a konto oszczędnościowe - co wybrać?
A term deposit often offers higher interest rates but locks your funds in for a set period of time, while a savings account is more flexible and offers access to your money at any time, at a lower rate. So, the choice depends on whether your priority is maximizing your returns or the freedom to use your savings .
Czy mogę wcześniej wypłacić pieniądze z konta oszczędnościowego?
Yes, in most cases savings accounts allow customers to freely dispose of their funds.
Jak w Polsce opodatkowane są odsetki z kont oszczędnościowych?
In Poland, the interest you earn on your savings account will be reduced by 19%, which will be paid to the State Treasury. This tax is known as the Belka Tax.
Czy konta oszczędnościowe są bezpieczne?
Savings accounts in Polish banks are among the safest ways to invest, as they are covered by the Bank Guarantee Fund’s deposit guarantee of up to €100,000 . Therefore, the risk involved is minimal.
Czy mogę założyć konto oszczędnościowe przez internet?
Yes, most banks allow you to open such accounts online. You can do so through their online banking system or mobile app.
