In fresh months, the Polish banking sector has introduced a number of changes that straight affect client savings. expanding fees for keeping accounts, cash withdrawals and fresh savings taxes make keeping money in the bank little profitable. Below is detailed information on current changes and their consequences for bank account holders.
Increases in bank charges in 2025
Since the beginning of 2025, customers of the largest banks in Poland gotta anticipate an increase in fees for basic banking services. These changes concern both cash withdrawals from ATMs and individual accounts. For example, PKO Bank Polski introduced a fee from 1 August 2024 10 PLN for withdrawal from your own ATMs and 12 PLN for the payment of another network equipment.
legartis.pl akin steps were taken by another financial institutions, specified as Santander Bank Polska and ING Bank Śląski, which besides updated their fee and commission tariffs.
In February 2025 there were reports of the planned introduction of a fresh savings tax. This taxation would cover funds collected in bank accounts and deposits with a value exceeding PLN 100,000. The nonsubjective of this burden is to reduce passive capital raising and encourage citizens to invest actively in the economy. However, critics of this solution point out that it can negatively affect savers for the future by forcing them to search alternate forms of placement of their resources.
Reasons for expanding fees and introducing fresh burdens
The banks explain the introduction of fresh charges and taxes expanding operating costs. In 2023, among another things, there were increased contributions to the Bank warrant Fund, the request to supply credit holidays and a decrease in the premium on mortgages granted. According to the National Bank of Poland data, the average cost of servicing the bank account increased in 2023 by 15% compared to the erstwhile year. In addition, inflation and low interest rates influence the profitability of conventional forms of savings, prompting banks to search fresh sources of income.
In the face of rising fees and planned taxes, many Poles wonder about alternate methods of placing their savings. 1 solution could be investment in investment funds, government bonds or real estate. However, it is worth remembering that all form of investment involves a certain level of risk, so before making a decision it is worth consulting a financial advisor.
The current financial marketplace situation requires banks' customers to closely track changes in fares and regulations. It is worth regularly monitoring your bank’s communications and considering diversifying your savings in order to minimise possible losses from rising fees and taxes. In addition, the search for alternate forms of investment may be crucial to maintaining the value of the accumulated funds in the long term.
The year 2025 brings crucial changes for savings holders in Polish banks. The expanding fees for basic banking services and the planned introduction of a fresh savings taxation make keeping money in conventional accounts little profitable. Customers should be aware of these changes and consider alternate ways to place their resources in order to effectively defend their savings from failure of value.
Continued here:
Tax on keeping money in the bank. Poles began paying savings
