publication
2025-09-23 06:00
By freezing funds for 12 months on a term deposit, you can get a rate of 5 percent. per year. Such interest rate is available in two banks. Both require those interested in having a personal account.
The latest deposit ranking applies to the best offers for 12 months. The place in the table depends on the percentage rate offered. The higher the deposit interest, the better the position in the ranking. In the content of the article you can also find information about the amount that can be paid to a given deposit or conditions that must be met to count on the interest rate on the table. A given banking brand can only be in the table once – with the best proposal for a given date.
The best annual deposits on the market
|
The highest rates on annual deposits – September 2025. |
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|---|---|---|---|---|---|
|
LP. |
Bank |
Deposit |
Ok. |
Quota restrictions |
Additional conditions |
|
1. |
Raiffeisen Digital Bank |
Deposit for you Submit an application |
5.00% |
PLN 100 – 200,000 |
for account holders |
|
Volkswagen Bank GmbH Branch in Poland |
Deposit 5 plus Compare others |
5.00% |
1000 – PLN 2,000,000 |
for account holders |
|
|
2. |
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 |
|
|
3. |
Toyota Bank |
Lokata Plus Compare others |
4.40% |
2000 – PLN 100,000 |
for account holders |
|
4. |
BFF Banking Group |
Lokata facto Submit an application |
4.25% |
5000 – PLN 12,000,000 |
for deposit account holders |
|
5. |
Nest Bank |
Nest Lokata new funds Submit an application |
3.90% |
1000 – PLN 2,000,000 |
for account holders who will pay new funds |
|
6. |
Santander Consumer Bank |
Online deposit new funds Submit an application |
3.80% |
1000 – 400,000 PLN |
payment of new funds |
|
7. |
BOŚ Bank |
A deposit for new funds Compare others |
3.75% |
from PLN 1,000 |
for account holders who will pay new funds |
|
8. |
Alior Bank |
A deposit for new funds Compare others |
3.50% |
1000 – 200,000 PLN |
payment of new funds |
|
Bank Millennium |
A deposit for new funds Submit an application |
3.50% |
from PLN 1,000 |
for account holders who will pay 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 |
|
|
Credit Agricole |
A deposit for new funds Submit an application |
3.50% |
1000 – PLN 100,000 |
for account holders who will pay new funds |
|
|
ING Bank Śląski |
Term deposit plus Submit an application |
3.50% |
1000 – PLN 100,000 |
for savings account holders |
|
|
9. |
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 |
|
10. |
Bank Pekao |
Standard deposit Submit an application |
2.30% |
from PLN 1,000 |
for account holders, |
|
Source: Bankier.pl's own interest rate based on interest rates and banks' websites, on September 22, 2025. |
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In September, two proposals in September at 5 percent per year. One of them is the offer from Raiffeisen Digital BankThat is Deposit for you. The offer is addressed to personal account holders. The payment limit for this deposit is PLN 200,000. The funds paid to this bank are protected by the Austrian deposit guarantee system.
The same percentage is listed at Location Plus From Volkswagen Bank GmbH Branch in Poland. The offer has a twin not only the percentage rate, but also an additional condition, which is to have a personal account. The maximum amount of this offer is PLN 2,000,000. In the case of this proposal, the German BFG equivalent is responsible for protecting deposits.
The eye below were two offers on 4.75 percent annually. Aion Bank he watched at such a rate Term deposit. You can pay up to PLN 1,000,000 to this deposit, if you have a personal account in this bank. The Belgian warranty system – Fonds de Garantie Pour Les Services Publics / Het Gaantiefonds takes care of deposits in the case of the Aion Bank offer.
An alternative is Standard deposit In Inbankwhich can be opened without having to meet any requirements. Payments for one deposit cannot exceed PLN 50,000. Savings transferred to this bank are protected by the Estonian deposit guarantee system.
TOP3 closes Lokata Plus From Toyota Bank on 4.40 percent annual. This is another offer with a condition for having a personal account. PLN 100,000 is a payment limit set by the bank.
The average rate of the best five offers in the table is 4.80 percent. per year. It is 0.22 pp. less than a month ago. Among the banks that reduced the rates are, among others Raiffeisen Digital Bank, Toyota Bank or Volkswagen Bank GmbH Branch in Poland.
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