2 banks, each figure read off the bank's own product page. The number on a card is what you get without meeting any conditions.
The highest rate you can get in Poland without conditions is 4 % at VeloBank, as of our last check.
VeloBank advertises 6 % — new clients, marketing consent required
Two products promise 6%, both with strings attached: Elastyczne Konto Oszczędnościowe advertises 'up to 6%', while VeloLokata dla Aktywnych is for new clients only, requiring inflows to a current account AND marketing consent.
checked 2026-08-31 · the bank's own page →
Alior Bank advertises 6.5 % — bundled with an investment fund
6.5% comes only from 'Duet idealny' — a deposit bundled with buying investment fund units; on its own the rate does not exist.
checked 2026-08-31 · the bank's own page →
Every figure is read off the bank's own product page — never an aggregator, never a comparison site. Where a bank publishes only a ceiling, we say so instead of printing it as a rate. Records we could not confirm on the bank's page are left out entirely rather than shown as approximate.
Yield