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Santander Consumer Bank
Term deposits

Lokata Online Nowe Środki

Verified 31 Oct 2026

Santander Consumer Bank • PLN

Open deposit 88 people have used this offer

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3.4 / 10

Score based on rate competitiveness and popularity among users.

In brief
interest rate 3.60%
Amount 1,000 – 400,000 PLN
Period 12 mo.
Online Deposit for New Funds from Santander Consumer Bank - 3.60% per year for 12 months if you give all marketing consents. New funds only (above the balance of your deposits at this bank on the date given in the rate table). From 1,000 to 400,000 PLN.

Our review

Adam Ostrowski · Updated: 24 September 2026

Santander Consumer Bank's Lokata Online Nowe Środki – who is this deposit for

Lokata Online Nowe Środki is a fixed-rate term deposit intended – as the product name itself indicates ("New Funds") – for new money at Santander Consumer Bank. The bank offers it for 1, 3, 4, 6, 12, 24 and 36 months; this review covers the 12-month variant. It suits people who want to lock away cash for a year at a clearly defined, unchanging rate, without needing to open a personal account at this bank. According to the bank, new funds are money deposited above the total balance of your term deposits at Santander Consumer Bank as of the date given in the rate table (in the table dated 1 October 2026 this is 29 September 2026).

Interest rate

The 12-month variant offers a fixed rate (unchanged throughout the term) of 3.60% per year. To get this rate you must give the bank all marketing consents. The deposit can be opened for PLN 1,000 to PLN 400,000 – PLN 400,000 is the maximum amount of a single deposit.

Interest is credited only at the end of the 12-month term rather than compounded during it – standard for simple term deposits, but worth keeping in mind when planning access to your returns. Breaking the deposit early means losing the accrued interest.

Terms and how to open it

Opening the deposit does not require holding a personal account or any other product with Santander Consumer Bank – it is a standalone savings product. The deposit can only be opened electronically, via an online application, with no branch visit needed; you then fund it by transfer from an account you own. The minimum amount you can deposit is PLN 1,000. It is available to individuals with full legal capacity who are Polish residents.

Summary

The 12-month Lokata Online Nowe Środki is a simple, one-year deposit with a fixed rate of 3.60% per year for amounts from PLN 1,000 to PLN 400,000, opened entirely online and without needing an account at Santander Consumer Bank. The rate stays fixed for the full term – a plus for anyone wanting to avoid surprises from rate changes mid-term. Keep two conditions in mind, though: the rate applies only to new funds (above the balance of your deposits at the bank on the date given in the rate table), and it requires giving all marketing consents.

✓ Pros

  • ✓ Fixed 3.60% interest rate for the full 12-month term
  • ✓ No requirement to hold a personal account at the bank
  • ✓ Low entry threshold – from PLN 1,000
  • ✓ Fully online application process

✕ Cons

  • ✕ The 3.60% rate requires giving all marketing consents
  • ✕ Interest paid only after 12 months, with no compounding during the term
  • ✕ New funds only – above the balance of your deposits at the bank on the date given in the rate table
  • ✕ Breaking the deposit early means losing the interest

Returns calculator

1,000 PLN 400,000 PLN

Deposit term: 12 months

Interest earned
Amount at end of term
Open deposit

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Calculation before tax. The bank withholds 19% capital gains tax (the Belka tax) from the interest itself.