Konto Oszczędnościowe Walutowe

About the account

Konto Oszczędnosciowe Walutowe is a safe way of saving and multiplying your money in EUR and USD, allowing:

  • Possibility of saving for travel or shopping purposes
  • Flexible access to savings without losing accrued interest
  • Protection from the exchange course fluctuations
  • 1.0% p.a. for new funds up to 50,000 USD for 92 days
  • 0.2% p.a. for new funds up to 25,000 EUR for 92 days


You can set it up, if you have current account in PLN and current account in EUR or USD.

Interest rates

Promotional interest rates for new money on Konto Oszczędnościowe Walutowe

Promotional interest rates on new money per year USD EUR
Up to USD 50,000 1.00% -
Up to EUR 25,000 - 0.20%
Surplus over USD 50,000 0.40% -
Surplus over EUR 25,000 - 0.10%

The customer can participate in only one promotion at the time for each currency.

Promotional interest rate is effective for the period of 92 days calculated from the date of first transfer of new funds to the Konto Oszczędnościowe Walutowe account during the Promotion period. Promotion campaign lasts from 26 January 2020 until 28 March 2020 inclusive of this day.

Promotion applies under the conditions of having Current Account in PLN, the Current Account in the currency and for not taking advantage on other promotion at the Konto Oszczędnościowe Walutowe in a given currency at the same time.


Other Promotion campaign details are available in the Promotion Campaign Bylaws and the Service Price List in Bank branches and on www.bankmillennium.pl. After the end of the Promotion Campaign variable interest rate will apply in accordance with the Service Price List and table below.

Standard interest rates for Konto Oszczędnościowe Walutowe

Interest rates per year Standard
USD 0.40%
EUR 0.10%

The standard interest rate is valid for customer funds not qualified as new money.

Interest compounded monthly.

How to open

In mobile app

It only takes a few moments

Prestige Line

Call us

801 12 7000
In our branches
Choose the nearest branch

Useful informations

Account opening 0 EUR /USD
Monthly account fee 0 EUR /USD
First internal transfer order in a calendar month 0 EUR /USD
Second and every subsequent internal transfer order in a calendar month 1 EUR /USD

Konto Oszczędnościowe Walutowe is opened for an indefinite term. You can manage it through your current account, which also provides access to other banking services. You can hold one Konto Oszczędnościowe Profit savings account with each current account, to which there are various holders/co-holders present.

Funds deposited on accounts in the Bank, the total value of which funds does not exceed the equivalent of 100,000 EUR, irrespective of the number of accounts held in the Bank, are protected by Banking Guarantee Fund, in keeping with the Act of 10 June 2016 on Banking Guarantee Fund, system of protection of deposits and compulsory restructuring (Journal of Laws2016.996). Eligible for protection are deposits and receivables of entities indicated in art. 20 of the a/m Act.

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801 331 331

landlines and mobile phones

Legal note

New money on Konto Oszczędnościowe Walutowe (FX Savings Account) shall bear promotional interest during 92 days of 1,0% per annum up to USD 50,000 and 0,2% per annum up to EUR 25,000 – from the day, on which Konto Oszczędnościowe Walutowe is credited for the first time with new money during the period of participation in the Promotion, which lasts from 26.01.2020 to 28.03.2020. The promotional interest rate for further new money credited on the account shall apply until the 92nd day included, counting from the first crediting with new money. Standard variable interest rate as stipulated in the Price List – Interest Rates shall apply to the surplus over USD 50,000 or over EUR 25,000, to money not classified as new money and also after the Promotion period. To participate in the Promotion you must have a current account in PLN, current account in EUR or USD and an FX Savings Account in the same respective currency. Fees and principles of keeping the current account as well as savings accounts (including Konto Oszczędnościowe Walutowe) are stipulated in General Regulations on Provision of Banking Services to Individuals in Bank Millennium SA as well as Price List – Fees and Commissions. Only one promotion is available per a particular Konto Oszczędnościowe Walutowe at a given time. Details of the Promotion are stipulated in “New Money on FX Savings Account. 19th Edition” promotion Regulations and in the Price List – Interest Rates, available in the Bank’s branches and on www.bankmillennium.pl. The first internal transfer order in a month from Konto Oszczędnościowe Walutowe is free of charge; the second and each subsequent transfer is charged a fee of EUR/USD 1, in accordance with Price List – Interest Rates.