The promotional period starts on the day you first deposit new funds into the Profit Savings Account during a particular promotion edition. When the promotional period ends, the money in the savings account will be subject to the standard interest rate.

The threshold balance is the total amount of funds you have in our bank. We check it on the balance assessment day. Information about the balance assessment day in a given promotion edition can be found on our website and in the promotion regulations.

The threshold balance includes funds accumulated in the following products (held in Polish zloty):

• technical accounts
• checking accounts
• savings accounts
• term deposit savings accounts
• structured deposits (excluding bridging deposits opened in connection with the purchase of structured bonds)

The owners or co-owners of these products must be the same individuals who are the owners of the Profit Savings Account.

No, you do not lose accrued interest when you withdraw funds from the savings account. The interest accrued from the beginning of the given month until the day before the withdrawal will be transferred to your Profit Savings Account. This will occur during the monthly interest capitalization.

The Profit Savings Account is maintained in Polish zloty (PLN). If you wish to take advantage of savings accounts in other currencies, please refer to the information about the Currency Savings Account maintained in euros or American dollars.

Promotional and standard interest is paid out on the last day of the month. Bonus interest is paid out between the 1st and 2nd business day of the following month. Saturdays are also considered business days.

If on the date of the balance check you are not our customer, we assume that your threshold balances amount to 0 PLN. If on the date of the balance check you do not have a Profit savings account, we assume that the threshold balance for the Profit savings account is 0 PLN and we calculate the threshold balance based on your other products in our bank on the date of the balance check.

Regardless of which day of the month you meet the condition of 5 transactions using a card or BLIK, we will apply the bonus interest for the entire month or the part of it that remains until the end of the promotional period in which the condition was met.

You have the entire month to meet the condition of 5 transactions. We will apply the bonus interest rate for the new funds accumulated in the Profit savings account until the last day of the promotional period.

Yes, you can open a savings account for your child if your child has a 360° Junior Account. More information about the 360° Junior Account can be found on this page.

You can transfer money from the child’s Profit Savings Account to the 360° Junior Account at our branch.

You can transfer funds from the child’s Profit Account in any amount to the 360° Junior Account at the branch.

Remember that from the 360° Junior Account, you can make a transfer or withdrawal up to the equivalent of the ordinary management limit.

Transactions that exceed the ordinary management limit require approval from the guardianship court.

The ordinary management limit is equal to the average monthly salary in the business sector, excluding profit-sharing bonuses. The Central Statistical Office announces it quarterly.

You can do this in Millenet or the mobile app, in the account details under the "My Funds"section.