Lokata standardowa

Inbank Standard Deposit — Short-Term Saving for 1 Month

The Standard Deposit is an Inbank złoty term deposit with a fixed interest rate, opened for a period of 1 month. It's an offer for people who want to set aside a cash surplus for a short time and be certain of the interest rate from day one — without the risk of the rate changing during the term of the agreement, and without having to freeze funds for a longer period. It's a simple, indefinitely repeatable savings product, not a deposit with an elaborate, multi-tier promotional structure.

Interest Rate

The deposit offers a fixed interest rate of 2.60% per annum — the rate remains unchanged throughout the entire one-month term of the deposit, unlike variable-rate deposits, where the bank can lower the rate even during the term of the agreement. The 2.60% rate applies to deposits within the range of PLN 5,000 to PLN 50,000. According to the bank's threshold table, amounts above PLN 50,000.01 are no longer covered by this rate (0%) — in practice this means that PLN 50,000 is a hard upper limit for the deposit amount, not an additional, lower-interest tier for the surplus above this amount. In other words, the product cannot be used to place a larger sum with partially lower interest — above the limit the bank simply will not accept funds into this deposit.

Interest is calculated and paid only at the end of the one-month contract period, rather than being compounded during it. At the maximum amount of PLN 50,000 and a rate of 2.60% per annum, gross interest for a full month is approximately PLN 108 (PLN 50,000 x 2.60% / 12) — the exact amount depends on the number of days in the given month, and as with any deposit in Poland, a 19% tax on capital gains (the so-called Belka tax) is withheld from the interest, so the actual amount paid out will be lower than the gross figure.

Terms and Availability

The Standard Deposit can be opened for an amount from PLN 5,000 to PLN 50,000, for a period of 1 month. Importantly, the product does not require holding a personal account at Inbank — the deposit can be opened as a standalone product, which makes it easier to access for people who don't want to move their main account to the bank, but only want to place a cash surplus. The agreement is concluded via online banking, the bank's transaction system, or an online application — the bank does not require a branch visit. The minimum age for customers is 18. The bank does not offer any additional cash bonus for opening this deposit — the interest rate itself is the only benefit element.

Who This Deposit Is For

This is an offer for people who want to secure a cash surplus for a very short time — just one month — at a known, fixed interest rate in advance, instead of keeping it in a savings account with a variable and often lower rate. It will work especially well for customers who have an amount in the PLN 5,000–50,000 range and prefer to keep their flexibility — after a month they can decide whether to renew the deposit, move the funds elsewhere, or use them. People wanting to place larger sums or save for a longer, multi-year term should consider other products, since this deposit limits the amount to PLN 50,000 and the term to one month.

Pros and Cons

• Fixed, known-in-advance interest rate of 2.60% per annum for the entire term of the agreement
• Short, one-month term — quick access to funds once the deposit ends
• No requirement to hold a personal account at the bank
• Several convenient channels for opening the deposit (online banking, online application)

• Relatively high entry threshold — minimum PLN 5,000
• Maximum amount covered by interest is only PLN 50,000
• The short term means the deposit must be renewed frequently if continuity of saving matters to you
• Interest is paid only at the end of the term, with no compounding during it

Summary

The Inbank Standard Deposit is a simple product for people looking for a short-term, predictable way to place from PLN 5,000 to PLN 50,000 at a fixed interest rate of 2.60% per annum. The lack of a requirement to hold an account at the bank makes the offer easier to access for new customers, but it's worth remembering that the one-month term and the relatively low amount limit (PLN 50,000) make this solution better suited to people who value flexibility and short-term security than to maximizing returns on larger savings over a longer horizon. The real rate paid to the customer is consistently 2.60% per annum — with no hidden promotional tiers or conditions to meet.