Ranking 03 / Bank promotions

Bank promotions without asterisks in the headline

As at the research date, the Bankonauci / Moneteo service declared 139 active promotions with a total value of 101,970 zł (Polish złoty). We chose twelve where the real amount can be established — and for each of them we show how much of that amount you will actually be paid out.

Two things spoil most bank promotions. The first: these are conditional bonuses spread over 9-12 months, not a “bonus on day one”. The second: karencja (lock-in period), that is, the requirement to have held no account at the bank for a year, two, or even three years. Check the karencja first, before you read the rest of the conditions.

Promotions: 12
Nominal total: 22,580 zł
Expired: 1
Research date: 10 September 2026

Calendar — what ends soonest

Deadlines in ascending order. Banks do not quietly extend promotions — if the date has passed, the offer is gone and you have to wait for the next edition.

Scroll horizontally to see every column →

Bank promotions sorted by the entry deadline
Deadline	Bank	Product	Bonus	Effort	Score
31 August 2026	Alior Bank	Alior Konto	800 zł in cash + a 500 zł payment ring + 200 zł extra bonus	Low	38
30 September 2026	Bank Pekao	Konto Świat Premium	300 zł in cash + up to 2,400 zł back (200 zł/month for 12 months)	High	82
30 September 2026	Credit Agricole	Konto dla Ciebie	up to 1,000 zł (10 zł for every 50 zł spent on food service, max. 100 zł/month for 10 months)	Medium	72
30 September 2026	Bank Pocztowy	Konto w Porządku	up to 960 zł — 5% cashback on card spending, max. 80 zł per month for 12 months	High	68
27 October 2026	Bank Millennium	Konto Millennium 360°	700 zł + 300 zł for a Konto 360° Junior	Medium	66
28 October 2026	ING Bank Śląski	Konto z Planem	800 zł (Plan Extra; 750 zł More, 700 zł Go) + 100 zł for a referral	Medium	74
30 October 2026	Erste Bank Polska	Karta kredytowa World Mastercard	750 zł (12 × 50 zł moneyback + 150 zł for keeping the card) + 16,000 points (200 zł)	Medium	63
15 November 2026	Bank Millennium	Karta kredytowa Mastercard Impresja	400 zł (4 × max. 100 zł) — 10% cashback on spending for 4 months	Medium	46
30 November 2026	Erste Bank Polska	Konto Erste Platinum	1,500 zł (600 zł for activity + 900 zł for loyalty)	High	78
30 November 2026	mBank	eKonto do usług	up to 1,070 zł (500 zł + 110 zł + 300 zł for your salary + 100 zł for a child’s account + 60 zł for a referral)	Medium	76
31 December 2026	Bank Pekao	Konto Biznes z Żubrem	200 zł for opening remotely + 2,400 zł cashback + 1,200 zł for a terminal + 1,200 zł for financing	High	60
31 December 2026	BNP Paribas	Konto Otwarte na Biznes	2,400 zł moneyback + up to 2,600 zł for financing + a 3-year fee waiver	High	58

Methodology — how the order was produced

Six criteria, 100 points, zero bought places

The order is not a subjective “top 10”. Every entry scores against the same criteria and the result is public — you can disagree with it and score it your own way, but you can see what it was built on.

01 Size and reality of the bonus: 30 pts; What counts is not the figure in the headline, but how much you can really be paid out without buying extra products. Bonuses spread over instalments score lower than one-off payments.
02 Conditions to meet: 25 pts; The number and difficulty of the conditions: incoming payments, number of transactions, keeping marketing consents, the karencja and exclusions from previous editions.
03 Costs after the promotion and fees: 20 pts; The fee for keeping the account or the card after the waiver period, and how easy it is to avoid. The cost of ATM withdrawals is assessed separately.
04 Deadline and availability: 15 pts; The closing date for joining and the participant caps. A promotion with a past deadline or a cap of 5,000 people is worth less than an open one.
05 Clarity of the terms and conditions: 10 pts; Whether the conditions, the karencja and the exclusions are stated unambiguously, or whether you have to hunt for them across several documents.

Full cards — twelve promotions

The order follows the score on five criteria. Alior Konto was deliberately left at the end: the main promotion’s deadline passed on 31 August 2026, and the entry shows how quickly a bank promotion stops existing. Check for a new edition before publication.

01 Personal account Effort: High

Bank Pekao — Konto Świat Premium

Open an account online and reach for more — edition III (with the travel and savings promotions)

300 zł in cash + up to 2,400 zł back (200 zł/month for 12 months)

Also: 5.7% on new money up to 200,000 zł

Editorial score

82/100

Deadline

30 September 2026 (account and travel promotion); 23 September 2026 (savings)

Visit

Bonus: 300 zł in cash + up to 2,400 zł back
Deadline: 30 September 2026
Effort: High — 12 months
Fee after the promotion: 0 zł or 50 zł/month
Type: Personal account

What you have to do

1. Opening a Konto Świat Premium online and registering for the travel promotion.
2. 3% back on the first 20 transactions in a month (maximum 100 zł) and 6% from the 21st transaction.
3. A total of up to 200 zł back per month for twelve months.
4. Registering for the savings promotion and keeping the new money in the savings account.

Catch points and exclusions

To be paid the cashback you have to pay by card for fuel, plane or train tickets, or a trip. The cashback is not cash you can spend freely.
Money in the cashback wallet cannot really be withdrawn — it is not the same as a bonus paid into the account.
Excluded are money transfers (including Revolut and Poczta Polska), gambling, alcohol and tobacco.
Karencja: you must not have held an account at Pekao between 1 September 2024 and 31 August 2026, or a credit product.
A 50 zł monthly fee if you do not keep assets above 200,000 zł.

Detailed score

82/100

Size and reality of the bonus 26/30
Conditions 18/25
Costs after the promotion 18/20
Deadline and availability 12/15
Clarity 8/10

Fee after the promotion

0 zł with assets above 200,000 zł, otherwise 50 zł per month

Best for

Someone who already spends regularly on fuel or travel and is ready to keep an eye on the number of transactions for a year.

What we could not confirm

The fee data comes from Moneteo product cards, not from the bank’s Table of Fees and Commissions (Tabela Opłat i Prowizji).

Sources

Verified: 10 September 2026

↑ Summary

02 Personal account Effort: High

Erste Bank Polska — Konto Erste Platinum

Discover Konto Erste Platinum with a reward of up to 1,500 zł

1,500 zł (600 zł for activity + 900 zł for loyalty)

Also: 5.5% on a 6-month deposit up to 250,000 zł, 300 zł for currency exchange, up to 300 zł/year for bills

Editorial score

78/100

Deadline

30 November 2026 (joining); 15 December 2026 (deposit); 30 September 2026 (currency exchange)

Visit

Bonus: 1,500 zł in two parts
Deadline: 30 November 2026
Effort: High — loyalty in 9 out of 12 months
Fee after the promotion: 0 zł or 45 zł/month
Type: Personal account

What you have to do

1. In each of the three months of activity: incoming payments of at least 10,000 zł, at least 10 card or BLIK payments, at least one online transfer and a login.
2. Loyalty: in 9 out of 12 months incoming payments of at least 10,000 zł or average assets of at least 150,000 zł.
3. Keeping the consents and having no joint account holder during the period in which the bonus is calculated.
4. Registering for the deposit and currency-exchange promotions, each with its own deadline.

Catch points and exclusions

This is not a sign-up bonus: 900 zł depends on keeping the conditions for 9 out of 12 months.
Deposits at deposit machines and transfers from another Erste account do not count towards the activity condition.
Quasi-cash transactions, gambling and payments through Revolut, Curve and DiPocket are excluded.
For 15 days from opening the deposit you cannot open another Erste account or become a joint holder.
A 45 zł monthly fee if you do not keep up incoming payments of 10,000 zł a month or assets of 150,000 zł.

Detailed score

78/100

Size and reality of the bonus 25/30
Conditions 15/25
Costs after the promotion 16/20
Deadline and availability 13/15
Clarity 9/10

Fee after the promotion

0 zł with incoming payments of 10,000 zł/month or assets of 150,000 zł, otherwise 45 zł per month

Best for

Someone with high regular incoming payments who already keeps savings at the bank and can meet the card activity condition.

What we could not confirm

The fee data comes from Moneteo product cards, not from the bank’s Table of Fees and Commissions (Tabela Opłat i Prowizji).

Sources

Verified: 10 September 2026

↑ Summary

03 Personal account Effort: Medium

mBank — eKonto do usług

Full steam ahead — profit from your mBank account — edition II

up to 1,070 zł (500 zł + 110 zł + 300 zł for your salary + 100 zł for a child’s account + 60 zł for a referral)

Also: 5.3% on the Moje Cele account

Editorial score

76/100

Deadline

30 November 2026 (registration and application); 7 December 2026 (agreement)

Visit

Bonus: up to 1,070 zł in five parts
Deadline: 30 November 2026
Effort: Medium
Fee after the promotion: Avoidable with transactions from 700 zł/month
Type: Personal account

What you have to do

1. Submitting the application via e-dowód, mObywatel or a selfie on the same day as registration.
2. Keeping the Moje Cele account for 180 days with a balance of up to 100,000 zł, if incoming payments exceed outgoing by at least 100 zł.
3. Opening a child’s account if you want to add 100 zł.
4. Taking part in the referral programme if you want to add 60 zł.

Catch points and exclusions

You cannot change the account or add a joint owner — that rules you out of the promotion.
Karencja: you must not have held an account at mBank from 1 January 2023.
The “same day” application condition is easy to miss and cannot be reversed.
Part of the bonus requires extra steps (a child’s account, a referral), so 1,070 zł is a maximum, not a guaranteed amount.

Detailed score

76/100

Size and reality of the bonus 20/30
Conditions 19/25
Costs after the promotion 17/20
Deadline and availability 12/15
Clarity 8/10

Fee after the promotion

0 zł with transactions from 700 zł per month

Best for

Someone with no mBank account since 2023 who wants a quick bonus for applying remotely and does not want to watch transactions for a year.

What we could not confirm

The fee data comes from Moneteo product cards, not from the bank’s Table of Fees and Commissions (Tabela Opłat i Prowizji).

Sources

Verified: 10 September 2026

↑ Summary

04 Personal account Effort: Medium

ING Bank Śląski — Konto z Planem

Accounts full of benefits (with the referral programme)

800 zł (Plan Extra; 750 zł More, 700 zł Go) + 100 zł for a referral

Also: 5.5% on the OKO savings account

Editorial score

74/100

Deadline

28 October 2026 (joining); bonuses by 30 November 2026

Visit

Bonus: 800 zł + 100 zł for a referral
Deadline: 28 October 2026
Effort: Medium — 2 months
Fee after the promotion: 0 zł or 50 zł/month
Type: Personal account

What you have to do

1. Opening the account exclusively through the Moje ING app.
2. Between 1 September and 31 October 2026: incoming payments of at least 1,000 zł and an OKO balance of at least 200 zł on one day.
3. Choosing a higher plan (More or Extra) if you want to add to the bonus.
4. Referring another person if you want to add 100 zł.

Catch points and exclusions

Branch and deposit-machine deposits and transfers from ING do not count towards the incoming-payment condition.
Karencja: you must not have held an ING account between 12 August 2025 and 12 August 2026.
Joint holders, attorneys and people who already have Moje ING are excluded.
A 50 zł monthly fee if you do not keep assets of 200,000 zł or investments of 100,000 zł.
The conditions and exclusions are set out unusually clearly — the most readable terms and conditions in the comparison.

Detailed score

74/100

Size and reality of the bonus 21/30
Conditions 16/25
Costs after the promotion 15/20
Deadline and availability 12/15
Clarity 10/10

Fee after the promotion

0 zł with assets of 200,000 zł or investments of 100,000 zł, otherwise 50 zł per month

Best for

A new ING client who wants predictable conditions and reads terms and conditions without having to guess.

What we could not confirm

The fee data comes from Moneteo product cards, not from the bank’s Table of Fees and Commissions (Tabela Opłat i Prowizji).

Sources

Verified: 10 September 2026

↑ Summary

05 Personal account Effort: Medium

Credit Agricole — Konto dla Ciebie

Smaczne zwroty

up to 1,000 zł (10 zł for every 50 zł spent on food service, max. 100 zł/month for 10 months)

Also: 5.5% on the Rachunek Oszczędzam Plus account for 100 days up to 100,000 zł

Editorial score

72/100

Deadline

30 September 2026

Visit

Bonus: up to 1,000 zł back
Deadline: 30 September 2026
Effort: Medium — 10 months
Fee after the promotion: 0 zł or 3 zł/month (standard)
Type: Personal account

What you have to do

1. Card payments in restaurants and food service — 10 zł back for every 50 zł spent.
2. A maximum of 100 zł back per month for ten months.
3. Opening the account and registering for the promotion before the deadline.
4. Separate joining of the savings promotion if you want 5.5%.

Catch points and exclusions

The cashback covers food service only. If you do not eat out, the bonus is zero.
The MOVE! account does not qualify for the savings promotion, even though it is an account within the same banking platform.
Karencja: you must not have held a Credit Agricole account from 1 January 2025.
The lowest fee after the promotion in the comparison — 3 zł per month in the standard variant.

Detailed score

72/100

Size and reality of the bonus 19/30
Conditions 13/25
Costs after the promotion 18/20
Deadline and availability 12/15
Clarity 10/10

Fee after the promotion

0 zł or 3 zł/month in the standard variant; 0 zł or 70 zł/month in the premium variant

Best for

Someone who regularly pays by card in restaurants and wants that money back, rather than keeping track of transactions in any shop.

What we could not confirm

The fee data comes from Moneteo product cards, not from the bank’s Table of Fees and Commissions (Tabela Opłat i Prowizji).

Sources

Verified: 10 September 2026

↑ Summary

06 Personal account Effort: High

Bank Pocztowy — Konto w Porządku

Kupujesz – zyskujesz

up to 960 zł — 5% cashback on card spending, max. 80 zł per month for 12 months

Editorial score

68/100

Deadline

30 September 2026

Visit

Bonus: up to 960 zł back (5% of spending)
Deadline: 30 September 2026
Effort: High — 12 months
Fee after the promotion: Virtual card 4.99 zł/month
Type: Personal account

What you have to do

1. In each of the twelve months: incoming payments of at least 1,000 zł and card spending of at least 400 zł.
2. Card payments in categories not covered by the exclusions.
3. Keeping the account and the card throughout the promotion.

Catch points and exclusions

The maximum bonus requires spending about 19,200 zł by card over the year — that is 960 zł back, but also a considerable pressure to spend.
Selected MCC categories are excluded: gambling, money transfers and taxes, as well as cash withdrawals by card.
Money from deposits, loans and interest, and transfers from Bank Pocztowy, do not count as incoming payments.
The terms and conditions allow you to join twice — that is rare and worth using.
Karencja: 31 January 2025 to 31 May 2026.

Detailed score

68/100

Size and reality of the bonus 19/30
Conditions 11/25
Costs after the promotion 16/20
Deadline and availability 12/15
Clarity 10/10

Fee after the promotion

Virtual card 4.99 zł per month; avoidable with spending from 400 zł per month

Best for

Someone who already spends more than 400 zł a month by card on ordinary shopping and wants 5% of that back.

What we could not confirm

The fee data comes from Moneteo product cards, not from the bank’s Table of Fees and Commissions (Tabela Opłat i Prowizji).

Sources

Verified: 10 September 2026

↑ Summary

07 Personal account Effort: Medium

Bank Millennium — Konto Millennium 360°

Up to 700 zł for your treats with the Millennium 360° account (plus a child account)

700 zł + 300 zł for a Konto 360° Junior

Also: Konto Oszczędnościowe Profit up to 5.25%

Editorial score

66/100

Deadline

27 October 2026 (account); 18 October 2026 (child’s account); cap of 300,000 accounts

Visit

Bonus: 700 zł + 300 zł for a child’s account
Deadline: 27 October 2026
Effort: Medium
Fee after the promotion: 5 zł or 11 zł/month
Type: Personal account

What you have to do

1. Within 14 days of opening: incoming payments of at least 3,000 zł (1,500 zł for people aged 18-25).
2. Adding the card to Apple Pay, Google Pay or Samsung Pay.
3. At least 5 in-person transactions made from the mobile wallet.
4. Opening a Konto 360° Junior if you want to add 300 zł.

Catch points and exclusions

A cap of 300,000 accounts — the promotion may end before the date.
Marketing consents are required, and withdrawing them before the payout forfeits the bonus.
A fee of 11 zł per month after your 26th birthday, 5 zł for younger holders.
Karencja: no Millennium account since 1 January 2022 — one of the longest in the comparison.
The transactions must be in person and made from the mobile wallet, not with any card online.

Detailed score

66/100

Size and reality of the bonus 15/30
Conditions 16/25
Costs after the promotion 14/20
Deadline and availability 11/15
Clarity 10/10

Fee after the promotion

5 zł per month up to the age of 26, 11 zł above that

Best for

A parent who wants a bonus for their own account and an extra 300 zł for a child’s account, and has time for a few mobile transactions.

What we could not confirm

The fee data comes from Moneteo product cards, not from the bank’s Table of Fees and Commissions (Tabela Opłat i Prowizji).

Sources

Verified: 10 September 2026

↑ Summary

08 Card Effort: Medium

Erste Bank Polska — Karta kredytowa World Mastercard

Shop online and earn up to 750 zł — edition 2 (plus the Mastercard Priceless Surprises campaign)

750 zł (12 × 50 zł moneyback + 150 zł for keeping the card) + 16,000 points (200 zł)

Editorial score

63/100

Deadline

30 October 2026 or 5,000 people; Mastercard campaign until 30 September 2026

Visit

Bonus: 750 zł + 200 zł in points
Deadline: 30 October 2026 or 5,000 people
Effort: Medium — 12 months
Fee after the promotion: 0 zł or 17.50 zł/month
Type: Credit card

What you have to do

1. Joining via the form no later than the day the agreement is signed.
2. Submitting the application online by 30 September 2026.
3. A positive decision after a creditworthiness and credit-reliability assessment — a BIK check.
4. Keeping the card for at least 12 months to add 150 zł.

Catch points and exclusions

A cap of 5,000 participants — the promotion may end before 30 October 2026.
A card fee of 17.50 zł per month if you do not make at least 10 transactions per cycle.
ATM withdrawals cost 4%, minimum 10 zł.
This is a credit card, so it requires creditworthiness and leaves a mark in BIK — unlike the personal accounts in this comparison.
Karencja: after 1 January 2026 Erste must not service your main credit card, with exceptions for selected Silver cards.

Detailed score

63/100

Size and reality of the bonus 17/30
Conditions 12/25
Costs after the promotion 12/20
Deadline and availability 12/15
Clarity 10/10

Fee after the promotion

0 zł with at least 10 transactions per cycle, otherwise 17.50 zł per month

Best for

Someone with a good credit history who wants a card with moneyback and does not care about a personal account.

What we could not confirm

The fee data comes from Moneteo product cards, not from the bank’s Table of Fees and Commissions (Tabela Opłat i Prowizji).

Sources

Verified: 10 September 2026

↑ Summary

09 Business account Effort: High

Bank Pekao — Konto Biznes z Żubrem

Open a business account or register a company with a business account and earn up to 5,000 zł

200 zł for opening remotely + 2,400 zł cashback + 1,200 zł for a terminal + 1,200 zł for financing

Also: 3% on the Konto Oszczędnościowe Biznes

Editorial score

60/100

Deadline

31 December 2026

Visit

Bonus: up to 5,000 zł in four parts
Deadline: 31 December 2026
Effort: High — additional products needed
Fee after the promotion: 0 zł or 15 zł/month
Type: Business account

What you have to do

1. Operating as a sole proprietorship (JDG), a partner in a civil-law or registered partnership (up to EUR 2.5 million) or a limited liability company (up to 5 million zł).
2. Opening the account remotely to get 200 zł.
3. 4% cashback of up to 240 zł per month for ten months to add 2,400 zł.
4. A terminal with turnover of at least 1,000 zł per month to add 1,200 zł.
5. Leasing, factoring or a loan to add a further 1,200 zł.

Catch points and exclusions

More than half the bonus — 2,400 zł — requires buying a terminal and financing. Without them the real bonus is about 2,600 zł.
Marketing consents are required, and in practice a 15 zł monthly fee appears if they are withdrawn.
Karencja: no current account at Pekao since 1 September 2024. Holding a personal account at Pekao does not rule you out.
The conditions are spread across several sets of terms and conditions, which makes it harder to work out the real amount before joining.

Detailed score

60/100

Size and reality of the bonus 24/30
Conditions 8/25
Costs after the promotion 12/20
Deadline and availability 9/15
Clarity 7/10

Fee after the promotion

0 zł with active marketing consents, otherwise 15 zł per month

Best for

A business that already plans a terminal and financing, because then the bonus stops being conditional.

What we could not confirm

The fee data comes from Moneteo product cards, not from the bank’s Table of Fees and Commissions (Tabela Opłat i Prowizji).

Sources

Verified: 10 September 2026

↑ Summary

10 Business account Effort: High

BNP Paribas — Konto Otwarte na Biznes

Kick-start your business — edition 4 (partner: Hagen)

2,400 zł moneyback + up to 2,600 zł for financing + a 3-year fee waiver

Editorial score

58/100

Deadline

31 December 2026 (the terminal promotion too)

Visit

Bonus: up to 5,000 zł + 3 years without fees
Deadline: 31 December 2026
Effort: High — branch and financing
Fee after the promotion: 15 zł/month after 3 years
Type: Business account

What you have to do

1. A Konto Otwarte na Biznes with a Mastercard Business card; net revenue below 8 million zł.
2. Accepting the terms and conditions at a branch — including for sole proprietorships.
3. 10% moneyback at fuel stations and charging points, up to 200 zł per month for twelve months.
4. Financing: 100 zł for every full 10,000 zł, to add up to 2,600 zł.

Catch points and exclusions

The fee waiver lasts only 3 years. After that the fee is 15 zł per month, unless the average balance is at least 3,000 zł or incoming payments at least 20,000 zł per month.
The cashback covers fuel and charging only, so a business without a fleet will not use that part.
Karencja: no business account between 1 July 2025 and 30 June 2026.
Terminals once only, and no cooperation with Elavon in the last 12 months.
A branch visit is required — the biggest barrier in the whole comparison.

Detailed score

58/100

Size and reality of the bonus 22/30
Conditions 8/25
Costs after the promotion 11/20
Deadline and availability 9/15
Clarity 8/10

Fee after the promotion

15 zł per month after three years, unless the average balance is from 3,000 zł or incoming payments from 20,000 zł

Best for

A business with its own fleet or fuel cards, ready to go to a branch and take out financing.

What we could not confirm

The fee data comes from Moneteo product cards, not from the bank’s Table of Fees and Commissions (Tabela Opłat i Prowizji).

Sources

Verified: 10 September 2026

↑ Summary

11 Card Effort: Medium

Bank Millennium — Karta kredytowa Mastercard Impresja

Season of benefits with the Mastercard Impresja credit card

400 zł (4 × max. 100 zł) — 10% cashback on spending for 4 months

Also: Moneyback 5%, max. 50 zł per month

Editorial score

46/100

Deadline

15 November 2026 or 5,000 applications; moneyback until 30 September 2026

Visit

Bonus: 400 zł back
Deadline: 15 November 2026 or 5,000 applications
Effort: Medium — 4 months
Fee after the promotion: 0 zł or 7.99 zł/month
Type: Credit card

What you have to do

1. The application and agreement only in Millennium online banking or the app.
2. New clients must first open a Millennium account.
3. Marketing consents and no objection to tailored commercial information.
4. Card spending in four consecutive months to use the 10% cashback.

Catch points and exclusions

The promotion is aimed at the bank’s existing clients — a new person must first open an account.
A cap of 5,000 applications.
A card fee of 7.99 zł per month if you do not make five transactions a month.
ATM withdrawals cost 3.99%, minimum 9.99 zł.
Karencja: no Millennium credit card in the last 12 months.
The reward is not taxed, but it is the lowest amount in the comparison for an effort similar to the entries above.

Detailed score

46/100

Size and reality of the bonus 10/30
Conditions 10/25
Costs after the promotion 10/20
Deadline and availability 8/15
Clarity 8/10

Fee after the promotion

0 zł with five transactions a month, otherwise 7.99 zł per month

Best for

An existing Millennium client who wants to use the 10% cashback on planned larger purchases.

What we could not confirm

The fee data comes from Moneteo product cards, not from the bank’s Table of Fees and Commissions (Tabela Opłat i Prowizji).

Sources

Verified: 10 September 2026

↑ Summary

12 Personal account Effort: Low Deadline passed

Alior Bank — Alior Konto

Get started with an Alior account (with the Extra welcome bonus — edition II campaign)

800 zł in cash + a 500 zł payment ring + 200 zł extra bonus

Also: 5% on the savings account

Editorial score

38/100

Deadline

31 August 2026 (main promotion — deadline passed); 12 July 2026 (extra bonus)

Visit

Deadline passed: The main promotion expired on 31 August 2026, and the extra-bonus campaign on 12 July 2026. Check the new edition before publication.

Bonus: 1,500 zł (800 zł in cash + 500 zł ring + 200 zł)
Deadline: 31 August 2026 — passed
Effort: Low — 10 days
Fee after the promotion: 0 zł or 12 zł/month
Type: Personal account

What you have to do

1. Registration with the code ZYSKAJ2026.
2. Within 10 days: five card or BLIK transactions, registering the card in the Bezcenne Chwile programme and logging in to Alior Mobile.
3. Opening a savings account if you want to add 5%.

Catch points and exclusions

The main promotion’s deadline passed on 31 August 2026, and the extra-bonus campaign on 12 July 2026 — a new edition must be checked before publication.
Excluded MCC categories: 4111, 4829, 4900, 6012, 6051, 6211 and 7995, that is, among others, money transfers and gambling.
Karencja: 3 years with no Alior Bank account.
A fee of 12 zł per month if you do not keep incoming payments of 3,000 zł a month and five transactions.
The 500 zł payment ring is a benefit in kind, not cash — not everyone needs it.

Detailed score

38/100

Size and reality of the bonus 15/30
Conditions 9/25
Costs after the promotion 7/20
Deadline and availability 0/15
Clarity 7/10

Fee after the promotion

0 zł with incoming payments from 3,000 zł/month and five transactions, otherwise 12 zł per month

Best for

Nobody, until a new edition is announced. The entry stays in the ranking because it shows how quickly a bank promotion stops existing.

What we could not confirm

Whether the promotion is still current — needs confirmation of a new edition

Sources

Verified: 10 September 2026

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Savings promotions — context

A separate category: a high interest rate on a savings account or a deposit. It does not require switching your account, but it almost always applies only to new money and has an amount cap above which the rate falls.

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Savings promotions — interest rates and deadlines
Bank	Product	Rate	Amount	Deadline
BOŚ Bank ↗	Konto Oszczędnościowe Cyfrowy Zysk	7%	up to 30,000 zł	30 September 2026
VeloBank ↗	VeloKonto Gold — lokaty 3M i 6M	5%	10-220 thousand zł (3M); 10-200 thousand zł (6M)	16 September 2026
Alior Bank ↗	Konto Max Oszczędnościowe (edition 5)	4.6% for 3 months	up to 200,000 zł	13 October 2026
Erste Bank Polska ↗	Konto Multi oszczędnościowe	4.5% on new money	up to 200,000 zł	20 November 2026

BOŚ Bank: Above 30,000 zł the interest rate falls to 2.3%.
VeloBank: The shortest deadline in the comparison — you have to decide quickly.
Alior Bank: Without meeting the activity condition the rate falls to 2%.
Erste Bank Polska: The promotion covers new money only, not a balance moved from the same bank.

Questions and answers about bank promotions

How to work out the real bonus amount, what karencja is, how marketing consents work and what happens with the tax on the reward.

01 Why does the bonus in the advert say 5,000 zł when in reality I will get much less?

Because the figure in the headline is the sum of every possible component, not a single payout. At Pekao, with Konto Biznes z Żubrem, more than half the bonus — 2,400 zł — requires buying a terminal and financing. At BNP Paribas part of the amount depends on financing, and 2,400 zł is moneyback at fuel stations only. Before joining, work out which components you can actually meet, and compare only that amount with other offers.

02 What is karencja and why does it rule me out of a promotion?

Karencja is the period during which you must not have held an account at the given bank in order to qualify for the promotion. It is the most common reason an application is rejected. The periods differ drastically: Millennium requires no account since 1 January 2022, mBank since 1 January 2023, Alior three years, and ING and Pekao one year. Check the karencja first, before you read the rest of the conditions.

03 Are bank bonuses taxed?

One-off prizes of up to 2,000 zł in a sales promotion are, as a rule, exempt from PIT under Article 21(1)(68) of the Polish Personal Income Tax Act (ustawa o PIT), and the bank usually acts as the payer. Promotions aimed at businesses look different — there the bonus forms part of business income. This is not tax advice: for larger amounts, ask an accountant.

04 Do banks check BIK for personal-account promotions?

In the terms and conditions of the personal-account and savings promotions we analysed, we did not find a mandatory BIK check. It is confirmed for credit cards, where a creditworthiness and credit-reliability assessment is required. That is a practical difference: an account usually leaves no mark in BIK, a credit card does.

05 Why do banks want marketing consents, and can I withdraw them?

In practice, marketing consents are a condition for paying out the bonus in most of these promotions. If you withdraw the consents before the last instalment is paid, you lose the unpaid part — and at Pekao, with Konto Biznes z Żubrem, the account maintenance fee starts to apply. Check the period for which you undertake to keep the consents, and work out whether the bonus is worth that price.

06 The promotion has a participant cap — how do I check whether it is still running?

The caps in this comparison range from 5,000 people to 300,000 accounts. There is no public counter, and the bank is not obliged to give advance notice. A practical rule: if a promotion has a cap of 5,000 and is attractive, apply early. Before applying, ask the hotline whether the cap has been reached, and note down the date of the call.

07 Is a promotion worth taking if I do not need another account anyway?

Work out three things: whether you will meet the conditions without changing your habits, what the account costs after the promotional period, and how much time keeping an eye on the conditions will take. A promotion that requires monthly card transactions of an amount you would not normally spend is not a bonus — it is a discount on spending you have generated for yourself.

08 Where does this data come from and how quickly does it go out of date?

The data comes from the Bankonauci / Moneteo service, which declared 139 active promotions with a combined value of 101,970 zł as at 10 September 2026, and from the banks’ product cards. The research date is 10 September 2026. Bank promotions change every quarter and deadlines expire — before publication and before applying, check the current terms and conditions on the bank’s website.

Legal notices

01
The order of positions in the rankings reflects an editorial assessment against the criteria described in the methodology of that ranking and does not depend on any agreement with an operator. We do not accept payments for a place in a comparison. The existence of an affiliate programme may influence whether a given offer appears in a comparison at all, but it does not buy a place in the top three — the substantive assessment and the criteria remain transparent and described. We describe the monetisation model of the site in the footer.
02
Some of the links on the site are affiliate (partner) links. If you click such a link and open an account, make a deposit or sign up for a programme, the site's operator may receive a commission. The commission does not change the terms of the offer available to you and does not increase your costs — it is paid by the partner out of its own margin. The site also displays Google ads (AdSense). Ads do not influence the content of the materials or the order of positions in the rankings — no operator can buy that.
03
Offers, promotions and programmes described on the site may be available only to specific groups of recipients, in specific countries and for a specific time. The terms presented in the comparisons are illustrative and may differ from the current terms and conditions of the organiser. Always verify the terms directly at the source — at the bank, with the broker or on the exchange — before taking any action.
04
Tax information is general and illustrative. Tax obligations depend on your individual situation, the legal form of your activity and the regulations currently in force, which change. We do not provide tax advice. Binding information is provided by the Polish National Revenue Administration (Krajowa Administracja Skarbowa) and by a licensed tax adviser.
05
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06
We publish the content with due care, but it may contain errors or inaccuracies, or be out of date — regulations, costs, interest rates and offer terms change without notice. The materials do not replace the information documents, terms and conditions, price lists or prospectuses provided by the given institution. To the fullest extent permitted by law we accept no liability for decisions taken on the basis of the site content or for damage resulting from them. This exclusion does not cover cases in which the exclusion of liability is impermissible (including damage caused intentionally and consumer rights arising from mandatorily applicable law).

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Last content update: October 2, 2026

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The materials are written and verified by Redakcja Kurs Tradera — the rules are described on about the site: every number has a source, and we show gaps openly. Report a factual error via contact — corrections are described in the content.