Lokata na Nowe Środki

VeloBank Lokata na Nowe Środki (New Funds Term Deposit) - who is it for

Lokata na Nowe Środki is a straightforward fixed-term savings product from VeloBank with a fixed interest rate and a 6-month term. As the name suggests ("deposit for new funds"), the offer is designed to attract money the client did not already hold at the bank - a typical construction for promotional "new funds" deposits, where the boosted rate applies to freshly deposited money rather than to every zloty the client already keeps there. The product suits people who want to set aside a specific, moderate amount of savings for half a year at a rate fixed in advance, without needing to open a personal account at VeloBank.

Interest rate: 3.50% per year, but only up to a certain amount

The deposit offers a fixed interest rate of 3.50% per annum - the rate stays unchanged for the entire 6-month term, so the client knows the return in advance and doesn't need to worry about changes during the contract. An important caveat concerns the amount: a single deposit can hold from PLN 1,000 (via online or mobile banking, the helpline or the bank's website; at branches the minimum is PLN 5,000) to PLN 190,000, and in each deposit period you can open at most 3 such deposits from new funds. New funds means the surplus over your PLN balance at VeloBank at the end of 10.09.2026. The current edition of the promotion (13/2026) runs until 12.11.2026. For illustration: depositing PLN 10,000 for 6 months at 3.50% would yield roughly PLN 175 gross in interest (PLN 10,000 × 3.50% × 6/12), or about PLN 141.75 after the 19% capital gains tax ("Belka tax") - this is only an illustrative calculation based on the nominal rate, not a ready-made representative example from the bank's own materials, and the actual interest will be proportional to the deposited amount within the limit.

Terms and accessibility

Interest on this deposit is paid out only at the end of the 6-month term - it is not compounded during the term, so there is no interest-on-interest effect and no option for an early partial payout of returns. An important plus: the deposit does not require holding a personal account at VeloBank - it can be opened as a standalone product, without moving your main account or salary there. The promotional rate requires giving marketing consents. The deposit can be opened through several channels: the mobile app, online banking, by phone via the helpline, at a branch, or by submitting an online application - offering good flexibility for both digitally-minded customers and those who prefer to handle things in person or by phone.

Pros and cons

• Pros: fixed 3.50% interest rate for the whole term, no requirement to hold a personal account at the bank, low entry threshold from PLN 1,000, multiple channels to open the deposit (app, online banking, branch, helpline, online application)

• Cons: the maximum for a single deposit is PLN 190,000 (up to 3 deposits per deposit period), no compounding during the term - payout only after 6 months, the promotion covers only new funds, i.e. the surplus over your PLN balance at VeloBank at the end of 10.09.2026

Summary

VeloBank's Lokata na Nowe Środki is an uncomplicated product for people looking for a safe, six-month way to place savings of a few to several tens of thousands of zlotys at a fixed 3.50% rate, without needing to open a personal account. It's worth planning the deposit amount carefully, though - a single deposit can hold at most PLN 190,000, you can open no more than 3 such deposits per deposit period, and only new funds can be placed on them.