Saving
Polish Złoty (PLN).

How PLN saving actually works

Trade Republic offers the highest sustained EUR savings yield among EU neobanks, tracking the ECB deposit rate. For Polish Złoty specifically, Revolut and Bunq are the main multi-currency yield providers — Revolut Ultra offers PLN yield on a tiered structure; Bunq Premium offers PLN yield with the same DGS-protected status as EUR. PLN-denominated savings outside Revolut and Bunq are rare at EU neobanks; for material amounts, Poland-based local providers may be more competitive.

Watchouts and hidden costs

Some EU neobank 'savings' products are technically money-market funds, not deposits — they're NOT covered by Bankowy Fundusz Gwarancyjny (BFG). Trade Republic specifically discloses the legal structure of each savings product. Always read the deposit-protection footnote before parking material amounts of PLN above €100,000 (PLN equivalent).

What is the highest PLN savings yield at an EU neobank?

Revolut Ultra and Bunq Premium are the main Polish Złoty-yield providers among EU neobanks. Yields track market rates and change frequently — verify the current rate on the institution's product page before depositing. For EUR, Trade Republic typically offers the highest sustained yield.

Is my PLN savings balance insured?

At credit-institution neobanks holding PLN as a deposit (Revolut, Bunq), PLN balances are covered by Bankowy Fundusz Gwarancyjny (BFG) up to €100,000 (PLN equivalent). At EMIs (Wise), PLN balances are safeguarded but not deposit-insured. For amounts above the ceiling, split across multiple licensed institutions.

Can I move PLN between savings and current account for free?

At Revolut, Bunq, and Trade Republic, internal moves between accounts in the same currency are free and instant. Cross-currency moves trigger an FX conversion at the institution's rate — verify the rate against the mid-market before larger transfers.