publication
2025-11-27 06:00
In September, bank customers again deposited over PLN 80 billion. Although there was a slight decrease in the amount of transferred funds compared to the previous month, in the case of short-term deposits there is an increase in interest. Data on interest rates are slightly less optimistic, as the average rate dropped by another hundredth of a percentage point.
The amount of savings transferred to term deposits in September was similar to that in August this year. More than PLN 81.6 billion went to deposits, which is a result that is PLN 700 million worse than that in the previously analyzed month.
Short-term deposits are gaining in importance
The group of offers for shorter terms that do not exceed 3 months stands out positively. Payment of funds to these deposits in September allowed for the recovery of capital in December at the latest. The biggest positive change concerns offers with a deadline of up to one month. In their case, the savings paid amounted to nearly PLN 12 billion. Compared to August, this is an increase of approximately PLN 1.15 billion. The last time we saw a higher interest in this type of deposits was in September 2024, when over PLN 15.6 billion was transferred to them.
Deposits for terms longer than one month to three months have also become more popular. In September, an amount close to PLN 49 billion was frozen, which is almost PLN 400 million more than in August. Taking into account all payments made in the month under analysis, those transferred to two- and three-month deposits constitute nearly 60% of all funds deposited.
In the remaining periods in the table, lower payments were recorded than in the comparative month. The clear “leader” in this category are deposits for terms longer than 6 months up to and including 12 months. In September, approximately PLN 4.90 billion was paid, which is approximately PLN 1.80 billion less than in August. This is a decrease of approximately 26%.
Another adjustment of rates for all periods
|
Average interest rate on newly opened deposits and the amount of savings paid on them – August and September 2025. |
||||
|---|---|---|---|---|
|
Deposit period |
amount of funds deposited [zł] |
average interest rate for newly opened deposits [p.a.] |
||
|
August 2025 |
September 2025 |
August 2025 |
September 2025 |
|
|
up to 1M |
10.83 billion |
11.97 billion |
3.37% |
3.27% |
|
above 1M to 3M |
48.57 billion |
48.95 billion |
3.85% |
3.69% |
|
above 3M to 6M |
15.96 billion |
15.63 billion |
3.80% |
3.66% |
|
over 6M to 12M |
6.64 billion |
4.86 billion |
3.39% |
3.51% |
|
over 12M |
312 million |
234 million |
3.13% |
2.78% |
|
Total* |
82.30 billion |
81.66 billion |
3.73% |
3.61% |
|
*Differences in the total and the data given in the cell Total result from rounding Source: Own study by Bankier.pl based on NBP data |
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Not only the amount of payments was lower in September, but also the average rate of deposits made during those 30 days. It amounted to 3.61 percent. per year, i.e. it was by 0.12 percentage points. lower than in August this year.
Nominally, the largest changes can be observed in deposits for the longest analyzed period, i.e. exceeding 12 months. The average rate on all open deposits for these dates in September dropped below 3%. and amounted to 2.78 percent. on an annual basis. This interest rate is 0.35 pp lower. than in August.
In the case of other periods, the changes range from 0.10 pp. up to 0.16 pp. in minus. The lower limit of the given ranges applies to deposits made for a maximum of one month, the upper one – to the most popular offers for a period longer than one month up to and including 3 months. Despite this decline, the latter deposits still enjoy the highest average rate among all periods, which amounted to 3.69% in September. on an annual basis.
