Ranking of deposits in Poland - October 2026
10 offers · Sorted by: highest rate first
Top offer this month: Nest Bank with "Nest Lokata Witaj" at 6.1% per year. Other checked Deposits range from 3% to 6.1%. This ranking covers offers available in Poland.
Offer ranking - October 2026
What changed in the market: Deposits, September 2026
In September we recorded no verified rate change in this category.
See the full market change report (in Polish) →Try the calculator for the top-ranked offer (Nest Bank)
Returns calculator
Deposit term: 6 months
🔒 Secure redirect to Nest Bank, no obligation
Calculation before tax. The bank withholds 19% capital gains tax (the Belka tax) from the interest itself.
How is this ranking created?
We checked 10 deposits offers in Poland for you in w October 2026. Offers are selected using a composite score: interest rate (50%), product badge count (30%) and user popularity (20%). The order in the table follows the sorted value alone; ties are settled alphabetically. Partner commission does not affect selection or position.
What changed in this comparison
- 27 Aug 2026 Erste Bank Polska Lokata na Powitanie - Nazwa oferty: Lokata dla Ciebie na dzień dobry → Lokata na Powitanie
Reviews bank offers day to day and keeps the rankings published on BankSorter accurate - we pull data straight from bank APIs and verify it before every publication.
What to watch out for when choosing a deposit
What to watch out for when opening a deposit
Breaking a deposit early usually means losing most or all of the accrued interest - only lock away money you're certain you won't need before the term ends. Check whether the promotional rate applies only to new money (funds not already held at the bank) - that's a common condition on the best offers. Also watch for automatic renewal at the end of the term - it sometimes rolls over into worse terms than the promotional offer you originally chose.
Do you need a bank account to open a deposit?
Usually yes - most banks require you to hold (or open at the same time) a personal account that the funds are paid into once the deposit matures. Opening the deposit itself just needs photo ID, and the whole process can usually be done online in a few minutes.
A fixed-term deposit guarantees a set interest rate for a defined period in exchange for locking your funds. Compare rates, minimum amounts, available terms and early withdrawal conditions.