publication
2025-08-26 06:00
Unlike the July list, the latest Lokat ranking did not bring many changes. The cut was offered by one bank, but this decision did not affect the composition of the top three. The table is still at the head of a proposal with a rate of 5.50 percent. per year.
This time we took the best bank offers for the workshop for those who want to freeze funds for 12 months. In the table you can find the highest interest rates with both additional conditions and those that do not have such “hooks”. Although the ranking is distinguished by a transparent approach, it did not lack such information as the requirements set to customers and what the maximum amount is permissible. One bank could be in the ranking once – with the highest interest -bearing deposit.
The best annual deposits on the market
|
The highest rates on annual deposits – August 2025. |
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|---|---|---|---|---|---|
|
LP. |
Bank |
Deposit |
Ok. |
Quota restrictions |
Additional conditions |
|
1. |
Volkswagen Bank GmbH Branch in Poland |
Deposit 5 plus Compare others |
5.50% |
1000 – PLN 2,000,000 |
for account holders |
|
2. |
Raiffeisen Digital Bank |
Deposit for you Submit an application |
5.10% |
PLN 100 – 200,000 |
for account holders |
|
3. |
Toyota Bank |
Lokata Plus Compare others |
5.00% |
2000 – PLN 100,000 |
for account holders |
|
4. |
Aion Bank |
Term deposit Compare others |
4.75% |
PLN 1 – PLN 1,000,000 |
for account holders |
|
Inbank |
Standard deposit Submit an application |
4.75% |
5000 – 50,000 PLN |
lack |
|
|
5. |
BFF Banking Group |
Lokata facto Submit an application |
4.25% |
5000 – PLN 12,000,000 |
for deposit account holders |
|
6. |
BOŚ Bank |
A deposit for new funds Compare others |
4.00% |
from PLN 1,000 |
for account holders who will pay new funds |
|
ING Bank Śląski |
Term deposit plus Submit an application |
4.00% |
1000 – PLN 100,000 |
for savings account holders |
|
|
7. |
Santander Consumer Bank |
Online deposit new funds Submit an application |
3.80% |
1000 – 400,000 PLN |
payment of new funds |
|
8. |
Nest Bank |
Nest Lokata new funds Submit an application |
3.70% |
1000 – PLN 2,000,000 |
for account holders who will pay new funds |
|
9. |
Alior Bank |
A deposit for new funds Compare others |
3.50% |
1000 – 200,000 PLN |
payment of new funds |
|
New bank |
NEWDEPOZYT 12M GUARANTEED Compare others |
3.50% |
1000 – PLN 100,000 |
for new customers who will set up a deposit account |
|
|
Bank Millennium |
A deposit for new funds Submit an application |
3.50% |
from PLN 1,000 |
for account holders who will pay new funds |
|
|
Credit Agricole |
A deposit for new funds Compare others |
3.50% |
1000 – PLN 100,000 |
for account holders who will pay new funds |
|
|
10. |
BNP Paribas Bank Polska |
A deposit for new funds Submit an application |
3.00% |
from PLN 1,000 |
for account holders who will pay new funds |
|
Source: Bankier.pl own interest rates based on interest rates and banks' websites, on August 25, 2025. |
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It ranks first in the ranking of annual deposits in August Volkswagen Bank GmbH Branch in Poland. Rate at Location Plus
for this date it is 5.50 percent per year. Those who have a personal account in this bank will be able to use the offer. The maximum amount is PLN 2,000,000. Funds paid to deposits or other bills at Volkswagen Bank GmbH Branch in Poland They are protected by the German deposit guarantee system.
In the second position she came Deposit for you addressed to personal account holders in Raiffeisen Digital Bank. By setting it on for 12 months, you can get a rate in the amount 5.10 percent annually. No more than PLN 200,000 can be paid to this deposit. Savings stored in Raiffeisen Digital Bank are covered by guarantees of the Austrian equivalent of BFG.
TOP3 closes the last deposit, which he offers at least for 12 months 5 percent per year. We are talking about Location Pluswhich can be found in Toyota Bank. This is another offer from the top, which is accompanied by a condition for having a personal account. PLN 100,000 is a limit of payments designated for a single deposit.
The pace of changes on 12-month deposits. A month ago we wrote about reductions in as many as seven banks reporting in the table. This time only Nest Bank decided to cut. The bank decided to change new funds from Nest Lokat from 3.75 to 3.70 percent. per year. It did not affect the average for five at most interest -bearing deposits for this date, which amounted to 5.02 percent. per year
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