publication
2025-07-22 06:00
The maximum rate on an annual deposit is 5.50 percent at the end of July. per year. Customers who are looking for offers for min. 5 percent Annually, they can still choose deposits in two banks. A month ago, the choice was slightly wider.
This week, the subject of analysis are the best deposits for 12 months. This is the longest term, which appears every month in standard, cyclical rankings Lokat Bankier.pl. As always, the place in the table depends on the percentage rate. Quality restrictions and additional conditions are given to information. One bank may appear in the table only once.
The best annual deposits on the market
|
The highest rates on annual deposits – July 2025. |
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|---|---|---|---|---|---|
|
LP. |
Bank |
Deposit |
Ok. |
Quota restrictions |
Additional conditions |
|
1. |
Volkswagen Bank GmbH Branch in Poland Submit an application |
Deposit 5 plus |
5.50% |
1000 – PLN 2,000,000 |
for account holders |
|
2. |
Raiffeisen Digital Bank Submit an application |
Deposit for you |
5.10% |
PLN 100 – 200,000 |
for account holders |
|
3. |
Toyota Bank Compare others |
Lokata Plus |
5.00% |
2000 – PLN 100,000 |
for account holders |
|
4. |
Aion Bank Compare others |
Term deposit |
4.75% |
PLN 1 – PLN 1,000,000 |
for account holders |
|
Inbank Submit an application |
Standard deposit |
4.75% |
5000 – 50,000 PLN |
lack |
|
|
5. |
BFF Banking Group Submit an application |
Lokata facto |
4.25% |
5000 – PLN 12,000,000 |
for deposit account holders |
|
6. |
BOŚ Bank Compare others |
A deposit for new funds |
4.00% |
from PLN 1,000 |
for account holders who will pay new funds |
|
ING Bank Śląski Compare others |
Term deposit plus |
4.00% |
1000 – PLN 100,000 |
for savings account holders |
|
|
7. |
Santander Consumer Bank Compare others |
Online deposit new funds |
3.80% |
1000 – 400,000 PLN |
payment of new funds |
|
8. |
Nest Bank Compare others |
Nest Lokata new funds |
3.75% |
1000 – PLN 2,000,000 |
for account holders who will pay new funds |
|
9. |
Alior Bank Compare others |
A deposit for new funds |
3.50% |
1000 – 200,000 PLN |
payment of new funds |
|
New bank Compare others |
NEWDEPOZYT 12M GUARANTEED |
3.50% |
1000 – PLN 100,000 |
for new customers who will set up a deposit account |
|
|
Bank Millennium Compare others |
A deposit for new funds |
3.50% |
from PLN 1,000 |
for account holders who will pay new funds |
|
|
Credit Agricole Compare others |
A deposit for new funds |
3.50% |
1000 – PLN 100,000 |
for account holders who will pay new funds |
|
|
10. |
BNP Paribas Bank Polska Compare others |
A deposit for new funds |
3.00% |
from PLN 1,000 |
for account holders who will pay new funds |
|
Source: Bankier.pl own interest on the basis of interest rates and banks' websites, on July 21, 2025. |
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The first place in the July ranking of annual deposits is Volkswagen Bank GmbH Branch in Poland thanks to the interest rate in the amount 5.50 percent per year applicable on Location Plus. To take advantage of this offer, you must be a personal account holder. The maximum amount of the deposit is PLN 2,000,000. The funds paid to this bank are protected by the German deposit guarantee system.
The eye was below Deposit for youwhich can be found in Raiffeisen Digital Bank. 5.10 percent per year This is a rate that will be used by people who previously set up a personal account from the offer of the same bank. The payment limit is PLN 200,000 per deposit. Savings stored in this bank are protected by the Austrian equivalent of BFG.
Lokata Plus From Toyota Bank
This is another example of an offer addressed to personal accounts in a given bank. The current interest rate at a 12-month deposit is 5.00 percent annually.
Many banks with discounts
In July, there were also discounts among the top deposit offers for 12 months. On the list of banks that chose this scenario are:
- New bank
– reduction on the deposit of NowyDePozyt 12m guaranteed from 4.00 to 3.50 percent. per year, - BFF Banking Group – Changing the rate on the facto deposit from 4.50 to 4.25 percent. per year,
- BOŚ Bank – Cutting on a deposit for new funds from 4.25 to 4.00 percent. annually,
- Inbank – reduction on a standard deposit from 5.00 to 4.75 percent annually,
- Nest Bank
– Cutting on Nest Location New funds from 3.90 to 3.75 percent. annually, - Santander Consumer Bank – Change on online deposit new funds from 4.00 to 3.80 percent. per year,
- Toyota Bank – change on a plus deposit from 5.30 to 5.00 percent per year.
The average rate of five highest -interest annual deposits is 5.02 percent. per year. It is 0.11 pp. Lower interest rates on the one before a month.
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