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Term deposits

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Guide: Term deposits

How to grow your savings effectively — term deposits and savings accounts.

1

The stated rate is not your real return

A 19% capital gains tax is automatically deducted by the bank when interest is paid. A deposit offering 5% effectively yields 4.05% per year. Always compare offers after accounting for this tax.

2

Check capitalisation frequency

A deposit with monthly capitalisation is more profitable than the same rate with annual capitalisation — interest added more frequently "works" to generate further interest. Ask the bank how interest is calculated.

3

Term deposit vs. savings account

A term deposit locks your funds for a fixed period in exchange for a higher rate. A savings account is liquid (you can withdraw at any time) but usually offers a lower rate or calculates interest only above a minimum balance.

4

Deposits are protected up to €100,000

The Bank Guarantee Fund (BGF/BFG) guarantees repayment of up to the equivalent of €100,000 per person per bank. If you have more savings, consider spreading them across two different banks.

5

Read the conditions of welcome deposit offers

High rates for new customers usually apply for a short period (1–3 months) and up to a limited amount. Check what happens after the promotional period ends.

Frequently asked questions

It is a 19% tax on capital income, automatically deducted by the bank when interest is paid. Example: a 5% deposit on 10,000 PLN for one year → 500 PLN gross interest → 95 PLN tax → 405 PLN net (effective rate: 4.05%).
A term deposit locks your funds for a set period — early withdrawal usually means losing some or all of the interest. A savings account allows you to withdraw at any time without penalty, but typically offers a lower rate.
Early withdrawal conditions are set out in the contract — most commonly the bank pays 0% interest or only the interest accrued to date at a reduced rate. Always check this clause before signing.
Yes — the Bank Guarantee Fund (BGF/BFG) guarantees repayment of up to the equivalent of €100,000 per person per bank in the event of insolvency. This covers both deposits and account balances. Amounts above the limit are not protected.
When you want access to your funds without consequences, when you are building an emergency fund, or when you don't know when you will need the money. Deposits are better for savings earmarked for a specific goal — they usually offer higher rates in exchange for less liquidity.