Ranking of deposits in Poland — September 2026

✓ Pros

• ✓Fixed interest rate of 6.10% per annum for the entire term
• ✓Low entry threshold — from just PLN 1,000
• ✓Simple handling via online banking and the transaction system
• ✓Short, flexible 6-month term

✕ Cons

• ✕Requires holding an account at Nest Bank
• ✕The high interest rate only covers amounts up to PLN 25,000
• ✕Interest paid only at the end of the term, with no compounding during it
• ✕No data on the rules for any automatic renewal of the deposit

✓ Pros

• ✓High interest rate of 6% per annum for a short, 6-month term
• ✓Fixed interest rate throughout the deposit's term
• ✓Low entry threshold – from as little as PLN 1,000
• ✓Full online service: mobile app and online banking

✕ Cons

• ✕The full 6% requires an inflow of at least PLN 2,000 per month into the personal account
• ✕Without meeting the condition, the interest rate drops to 2% per annum
• ✕Requires holding a personal account at VeloBank
• ✕Amount limit of up to PLN 50,000 and only one deposit per customer
• ✕Time-limited offer – the promotion is valid only until September 16, 2026

✓ Pros

• ✓Fixed interest rate of 5.50% per annum
• ✓Low entry threshold — from as little as PLN 1,000
• ✓Short, flexible term — 1 month
• ✓Several opening channels: online, branch, transaction system

✕ Cons

• ✕The 5.50% rate applies only to amounts up to PLN 100,000, above that — 0%
• ✕Requires holding an account at Credit Agricole
• ✕Interest is paid out only at the end of the term, without compounding
• ✕Very short term — requires frequent deposit renewal

✓ Pros

• ✓Fixed 4.50% interest rate for the entire 3-month term
• ✓Low entry threshold — from just PLN 1,000
• ✓Fully remote setup (app, online banking)
• ✓Short, flexible 3-month term

✕ Cons

• ✕Interest rate only applies up to PLN 50,000
• ✕Requires an account with Erste Bank Polska
• ✕Interest paid only at the end of the term
• ✕No information available on early-termination terms

✓ Pros

• ✓Fixed interest rate of 4.50% for the entire 6-month term
• ✓Low entry threshold from PLN 1,000
• ✓Does not require holding a personal account at the bank
• ✓Deposit guarantee up to EUR 100,000
• ✓Fully remote opening via online banking

✕ Cons

• ✕Funds above PLN 50,000 earn no interest
• ✕Promotional rate only for New Customers of Inbank
• ✕Interest paid only at the end of the term
• ✕Guarantee from the Estonian scheme, not the Polish BFG

✓ Pros

• ✓Fixed interest rate of 3.70% for the entire 36-month period
• ✓Low entry threshold — deposit from just PLN 100
• ✓Convenient to open via the mobile app and transaction system
• ✓Predictable return independent of interest rate changes during the term

✕ Cons

• ✕Requires holding a personal account at Raiffeisen Digital Bank
• ✕Interest paid out only at the end of the 36-month period, with no ongoing capitalisation
• ✕Long, 3-year period of tying up capital
• ✕No higher promotional rate available, unlike the shorter variants (3/6/12 months)

✓ Pros

• ✓Fixed interest rate of 3.40% per annum
• ✓Low entry threshold — from just PLN 1,000
• ✓No bank account required
• ✓Simple opening process — online application only

✕ Cons

• ✕Above PLN 400,000, the excess is not interest-bearing (0%)
• ✕Short, 4-month term requiring frequent decisions about the funds' future
• ✕Interest paid out only at the end of the term, no capitalisation during the term
• ✕Available online only — no mention of opening at a branch

✓ Pros

• ✓Fixed interest rate of 3% per annum throughout the deposit term
• ✓Low entry threshold — from as little as PLN 1,000 via the app or online banking
• ✓Does not require holding a personal account at VeloBank
• ✓Wide choice of channels to open it — app, online banking, helpline, branch

✕ Cons

• ✕The higher interest rate applies only to “new funds”, not the customer's entire capital
• ✕Any surplus above PLN 190,000 in the deposit earns no interest (0%)
• ✕The short, 2-month term limits the actual profit despite the good annual rate
• ✕Interest is paid only at the end of the term, with no capitalization during it
• ✕Time-limited offer — the terms of the next promotion edition may differ

✓ Pros

• ✓3% per annum interest rate, higher than the bank's standard offer
• ✓Short, 2-month term for placing funds
• ✓Fixed interest rate throughout the term
• ✓Fully remote opening (mobile app, online banking)
• ✓No formal requirement to hold a separate bank account

✕ Cons

• ✕Available only to new users activating their first mobile profile
• ✕Marketing consents required to obtain the promotional rate
• ✕Amount limit of PLN 30,000
• ✕Low absolute gain due to the short term

✓ Pros

• ✓Fixed interest rate of 2.90% for the entire term
• ✓Very low entry threshold – from PLN 1
• ✓High amount limit – up to PLN 25,000,000
• ✓Fully online opening (mobile app, transaction system)
• ✓Short, 3-month deposit term

✕ Cons

• ✕Requires holding an account at UniCredit
• ✕Interest is paid out only at the end of the term, without compounding
• ✕Only one, fixed term variant (3 months)
• ✕Lower interest rate than the same bank's promotional savings account offer

✓ Pros

• ✓Fixed interest rate of 2.60% per annum
• ✓Short, 1-month deposit term
• ✓No requirement to hold a personal account
• ✓Several opening channels (online, online application)

✕ Cons

• ✕High entry threshold — min. PLN 5,000
• ✕Low amount limit — max. PLN 50,000
• ✕Requires frequent renewal (1-month term)
• ✕Interest paid only at the end of the term