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Monthly ranking July 2026

Best Deposits in Poland — July 2026

10 offers · Higher rate = better offer

Created 14.07.2026 · Updated 27.07.2026

In July 2026 we compared the best Deposits available. Rates ranged from 2.6% to 6.1%. Top offer: Nest Bank with "Nest Lokata Witaj" at 6.1% per year. This ranking covers offers available in Poland.

Offer ranking — July 2026

1
★ #1 Best offer
Nest Bank
Nest Bank

Nest Lokata Witaj

✓ Okres: 6 miesięcy ✓ Kwota: 1 000 zł – 25 000 zł ✓ Odsetki na koniec okresu
Best Rate
6.10%
interest rate
Apply
2
VeloBank
VeloBank

VeloLokata dla Aktywnych

✓ Okres: 6 miesięcy ✓ Kwota: 1 000 zł – 50 000 zł ✓ Odsetki na koniec okresu
Top 3
6.00%
interest rate
Apply
3
Crédit Agricole
Crédit Agricole

Lokata Powitalna

✓ Term: 1 month ✓ Amount: 1,000 zł – 100,000 zł ✓ Interest paid at maturity
Top 3
5.50%
interest rate
Apply
4
Inbank
Inbank

Lokata na Start

✓ Okres: 6 miesięcy ✓ Kwota: 1 000 zł – 50 000 zł ✓ Odsetki na koniec okresu
4.50%
interest rate
Apply
5
Raiffeisen Digital Bank
Raiffeisen Digital Bank

Lokata dla Ciebie

✓ Okres: 36 miesięcy ✓ Kwota: 100 zł – 1 000 000 zł ✓ Odsetki na koniec okresu
For Beginners
3.50%
interest rate
Apply
6
Santander Consumer Bank
Santander Consumer Bank

Lokata Online Nowe Środki

✓ Okres: 4 miesiące ✓ Kwota: 1 000 zł – 400 000 zł ✓ Odsetki na koniec okresu
3.50%
interest rate
Apply
7
UniCredit
UniCredit

Lokata terminowa

✓ Term: 3 months ✓ Amount: 1 zł – 25,000,000 zł ✓ Interest paid at maturity
For Beginners
3.30%
interest rate
Apply
8
VeloBank
VeloBank

Lokata Mobilna na Start

✓ Okres: 2 miesiące ✓ Kwota: 1 000 zł – 30 000 zł ✓ Odsetki na koniec okresu
3.00%
interest rate
Apply
9
VeloBank
VeloBank

Lokata na Nowe Środki

✓ Okres: 2 miesiące ✓ Kwota: 1 000 zł – 190 000 zł ✓ Odsetki na koniec okresu
3.00%
interest rate
Apply
10
Inbank
Inbank

Lokata standardowa

✓ Okres: 1 miesiąc ✓ Kwota: 5 000 zł – 50 000 zł ✓ Odsetki na koniec okresu
2.60%
interest rate
Apply

How is this ranking created?

We checked 10 deposits offers in Poland for you in July 2026. The ranking is based on interest rate (50%), editorial ratings (30%) and user popularity (20%).

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.

FAQ

In July 2026 Nest Bank offered the highest rate in our deposit ranking at 6.1% per year. Also compare minimum amounts and available terms.
Deposits in EU banks are covered by deposit guarantee schemes up to €100,000 per person per bank. Your funds are protected even if the bank fails.
In July 2026 deposit rates ranged from 2.6% to 6.1%.

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