Deposit calculator 2026 — Poland: interest and the BFG guarantee
The Bank Guarantee Fund (Bankowy Fundusz Gwarancyjny, BFG) guarantees the PLN equivalent of EUR 100,000 per depositor and bank. The calculator converts it at the NBP mid rate (4.3955 PLN per euro on 30 October 2026); the actual payout depends on the rate at the time the guarantee is triggered.
The result is an estimate, not financial or legal advice. Check the exact terms with the company.
Verified companies: Banks · Poland
How it is calculated
Interest is calculated monthly at the annual rate ÷ 12. With monthly capitalization it is added to the balance and earns interest itself: final amount = amount × (1 + r)^n, where r is the monthly rate and n the number of months. Without capitalization interest is charged on the principal only and paid out: interest = amount × r × n.
A top-up is added at the end of every month except the last and earns interest from the next month. Interest earned = final amount − the deposit − all top-ups.
The insured amount is the part of the final amount (principal plus interest) within the guarantee limit per depositor and bank; the rest is uninsured. The limit applies to all your accounts in one bank together, so add up your other balances there. Taxes on interest and the bank's own day-count rules are not included.
Frequently asked questions
How much does the BFG guarantee in złoty?
The equivalent of EUR 100,000, so the amount in PLN changes with the exchange rate: about PLN 439,550 at the NBP rate of 30 October 2026.
Is interest covered?
Yes, the BFG counts the balance with interest accrued up to the start of the day the guarantee condition occurs.