What is the interest rate on the UniCredit Savings Account?

Total interest rate for UniCredit Savings Account (individual client):

Savings account in PLN

Total interest rate will be 3.00% per year (base interest rate: 0.05%, promotional interest rate: 2.95%).

Savings account in EUR

Total interest rate will be 1.00% per year (base interest rate: 0.05%, promotional interest rate: 0.95%).

Interest rate is valid until 30.09.2026.

For retail clients, Interest is paid monthly directly into your savings account. Interest is capitalized on the date corresponding to the date your savings account was opened. If there is no such date in a given month, interest will be paid on the last day of that month and in subsequent months on the date corresponding to the date of the last capitalization. 

Total interest rate for UniCredit Savings Account (business client):

Pakiet standardowy:

Roczna stopa procentowa dla rachunku w PLN (stopa bazowa: 0,05%, stopa promocyjna: 1,95%)

2,0 %

Roczna stopa procentowa dla rachunku w EUR (stopa bazowa: 0,05%, stopa promocyjna: 0,35%)

0,4 %

Roczna stopa oprocentowania dla rachunku w USD (stopa bazowa: 0,05%, stopa promocyjna: 0,35%)

0,4 %

Pakiet Premium:

Roczna stopa oprocentowania dla rachunku w PLN (stopa bazowa: 0,05%, stopa promocyjna: 2,15%)

2,02 %

Roczna stopa procentowa dla rachunku w EUR (stopa bazowa: 0,05%, stopa promocyjna: 0,45%)

0,5 %

Roczna stopa procentowa dla rachunku w USD (stopa bazowa: 0,05%, stopa promocyjna: 0,45%)

0,5 %

W przypadku klientów biznesowych, począwszy od 31 lipca 2026 r., odsetki będą kapitalizowane na koniec każdego miesiąca kalendarzowego. Odsetki będą naliczane pierwszego dnia miesiąca następującego po dacie kapitalizacji.

Additional information about interest rates:

Total interest rate is the overall annual rate we offer to a client on a given savings account. It consists of two parts:

• Base interest rate – the basic, fixed part of the interest rate that applies regardless of promotions.

• Promotional interest rate – the additional part of the interest rate, offered for a limited time.
  
  

Note! Information about packages and fees applicable before October 6, 2025 is available on our website: https://unicredit.pl/produkty-aion