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Compare deposits in Poland
Found 11 offers · 8 institutions · data as of 16.09.2026 · Sorted by: Interest rate
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Editors' pick — Top 3
Nest Bank — Nest Lokata Witaj
VeloBank — VeloLokata dla Aktywnych
Crédit Agricole — Lokata Powitalna
How rates changed over the last year
Lowest and highest interest rate among active offers in this category, at the end of each month.
Guide: Term deposits
How to grow your savings effectively — term deposits and savings accounts.
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.
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.
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.
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.
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.