publication
2025-10-21 06:00
Customers who count on at least 7 percent per year on a half-year deposit, they can choose from two offers on the market. Both are aimed at new customers and require funds to be transferred to a newly opened personal account. The top five of the list are complemented by offers for at least 5%. annually.
This week we analyze half-year deposits. The ranking contains offers with the highest interest rates and it is the interest rate that determines the position in the table. Amount limits and other restrictions (e.g. conditions) are included in the last column of the summary. For the purposes of preparing the ranking, we assumed that each bank may appear in the table only once – with the best offer.
The best half-year deposits
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The highest rates on half-year deposits – October 2025. |
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|---|---|---|---|---|---|
|
No. |
Bank |
Deposit |
Interest rate |
Amount restrictions |
Additional terms |
|
1. |
Nest Bank |
Nest Lokata Hello SUBMIT AN APPLICATION |
7.10% |
PLN 1,000 – PLN 25,000 |
for new customers who create an account and meet the conditions (to choose from): a) ensuring revenues of at least PLN 2,000/month, min. 10 payments by card or Blik (to be completed in two periods), b) ensuring that the remuneration is received in the amount of min. PLN 2,000/month (to be met in two periods). |
|
2. |
VeloBank |
VeloLokata for Active People SUBMIT AN APPLICATION |
7.00% |
PLN 1,000 – 50,000 |
for new customers who open a personal account, express marketing consent and will ensure an inflow to the personal account in the amount of min. PLN 2,000 |
|
3. |
Citi Handlowy |
Welcome Deposit SUBMIT AN APPLICATION |
6.20% |
PLN 10,000 – 200,000 |
for new customers who open a Citigold account in the “Achieve more with a Citigold account and 6.2% deposit” offer, accept the offer regulations, express marketing consents and ensure a daily balance of min. PLN 420,000 |
|
4. |
Raiffeisen Digital Bank |
A deposit for you for new customers SUBMIT AN APPLICATION |
5.50% |
PLN 100 – 100,000 |
for new customers who open a personal account |
|
5. |
Toyota Bank |
Deposit Plus COMPARE OTHERS |
5.00% |
2,000 – PLN 100,000 |
for account holders |
|
Volkswagen Bank GmbH Branch in Poland |
Deposit Plus COMPARE OTHERS |
5.00% |
PLN 1,000 – PLN 2,000,000 |
for account holders |
|
|
6. |
Inbank |
Standard deposit SUBMIT AN APPLICATION |
4.70% |
PLN 5,000 – PLN 50,000 |
lack |
|
7. |
New Bank |
NEW 6M deposit GUARANTEED COMPARE OTHERS |
4.30% |
PLN 1,000 – 100,000 |
for personal account holders who deposit new funds |
|
8. |
BFF Banking Group |
Facto deposit SUBMIT AN APPLICATION |
4.25% |
PLN 10,000 – PLN 12,000,000 |
for deposit account holders |
|
9. |
UniCredit |
Term deposit COMPARE OTHERS |
4.20% |
PLN 1,000 – PLN 1,000,000 |
for account holders |
|
10. |
BOŚ Bank |
Deposit for New Resources COMPARE OTHERS |
4.05% |
from PLN 1,000 |
for personal account holders who deposit new funds |
|
Source: Bankier.pl own interest rate based on interest rate tables and banks' websites, as of October 17, 2025. |
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The highest interest rate for a half-year deposit is in October Nest Lokata Hello From Nest Bank. People who choose this deposit can receive 7.10 percent on an annual basisprovided they meet additional conditions. These include having the status of a new customer, opening a personal account and actively using it. The last requirement can be met by ensuring that the remuneration influences at least PLN 2,000 in two periods. Customers who are unable to meet this condition can provide any receipts for the same amount, but then each month of the selected two periods they must additionally perform at least: 10 card or Blik transactions. You can deposit up to PLN 25,000 into this deposit.
It offers a slightly lower rate VeloBank on VeloLokacie for Active People. 7 percent per year is the bank's proposal in a new special offer extended on October 15. The offer will be available to new customers who will open a personal account, express marketing consents and will have a monthly current account receipt of no less than PLN 2,000. The bank has set a deposit limit of PLN 50,000.
The third place in the ranking went to Citi Handlowy, which on Welcome Deposit offers 6.20 percent on an annual basis. This is an offer for new customers opening a Citigold account. Additional requirements include acceptance of the promotion's regulations, expressing marketing consents and – most importantly – ensuring a balance on all bank accounts of at least PLN 420,000. You can deposit from PLN 10,000 to PLN 200,000 on the deposit.
Two banks in the red
When comparing the rankings from September and October, it is impossible not to notice several significant changes. One of the most important is the return to the ranking of the six-month deposit from Citi Handlowy addressed to new customers who will open a Citigold account. The current rate is slightly lower than two months ago and amounts to 6.20 percent. on an annual basis. The remaining changes are less favorable. Institutions that have reduced rates include:
- Inbank – cut on the Standard Deposit from 5 to 4.70 percent. per year,
- BFF Banking Group – reduction on Lokata Facto from 4.50 to 4.25 percent. on an annual basis.
- Volkswagen Bank GmbH Branch in Poland – cut on Lokata Plus from 5.80 to 5.00 percent. on an annual basis.
The average interest rate of the five leading offers is 6.16%. per annum and is higher by 0.08 pp. from the one in force a month ago.
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