publication
2026-01-09 06:00
The threshold for entering the top ten best investments on the market is currently 4.80%. on an annual basis. All proposals in the January table have a common denominator – the need to meet at least one additional condition. Among the TOP3, one requirement stands out in particular, which is having the status of a new customer.
The list of the best deposits on the market is already a permanent item on the list of Bankier.pl publications. In this table, we outline the period, maximum amount and conditions that apply to customers interested in the leading offers. We have collected deposits that rank in the top ten of the table. To be included in the ranking this month, a minimum bid of 4.80 percent annually. Unlike standard deposit rankings, here a given bank may appear in the table more than once.
The best term deposits in January
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The highest interest-bearing deposits on the market – January 2026 |
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|---|---|---|---|---|
|
No. |
Bank Deposit |
Interest rate [p.a.] |
Period |
Details |
|
1. |
New Bank NEW 1M deposit HIGH INTEREST COMPARE OTHERS |
7.00% |
1M |
For new customers who open a deposit account [do 10 tys. zł, maks. 1 lokata] |
|
2. |
Nest Bank Nest Lokata Hello SUBMIT AN APPLICATION |
6.60% |
6M |
For new customers who open a personal 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). [do 25 tys. zł, maks. 1 lokata] |
|
3. |
VeloBank VeloLokata for Active People SUBMIT AN APPLICATION |
6.50% |
6M |
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 [do 50 tys. zł, maks. 1 lokata] |
|
4. |
Citi Handlowy Welcome Deposit SUBMIT AN APPLICATION |
5.80% |
3M |
For new customers who open a Citigold account in the “You can do more with a 5.8% Citigold account” offer, they will accept the offer regulations and ensure a daily balance of at least PLN 420,000 [10 – 220 tys. zł] |
|
5. |
Nest Bank Nest Lokata Hello SUBMIT AN APPLICATION |
5.25% |
3M |
For new customers who open a personal account and express marketing consent [do 25 tys. zł, maks. 1 lokata] |
|
6. |
New Bank NEW 3M deposit GUARANTEED COMPARE OTHERS |
5.10% |
3M |
For new customers who open a deposit account [do 100 tys. zł, maks. 4 lokaty] |
|
7. |
Raiffeisen Digital Bank A deposit for you for new customers SUBMIT AN APPLICATION |
5.00% |
3M |
For new customers who open a personal account [do 100 tys. zł] |
|
VeloBank Mobile Deposit for Start COMPARE OTHERS |
5.00% |
2M |
For new bank customers who express marketing consent [do 50 tys. zł, maks. 1 lokata] |
|
|
8. |
CA Auto Bank Term deposit SUBMIT AN APPLICATION |
4.90% |
48M |
For those who have access to the Raisin platform. An account on the platform is required [100 – 410 000 zł] |
|
9. |
Inbank Starting deposit SUBMIT AN APPLICATION |
4.85% |
3M |
For new customers [do 50 tys. zł, maks. 1 lokata] |
|
10. |
CA Auto Bank Term deposit SUBMIT AN APPLICATION |
4.80% |
36M |
For those who have access to the Raisin platform. An account on the platform is required [100 – 410 000 zł] |
|
HoistSpar Term deposit SUBMIT AN APPLICATION |
4.80% |
3M |
For those who have access to the Raisin platform. An account on the platform is required [100 – 375 000 zł] |
|
|
Renault Bank Term deposit SUBMIT AN APPLICATION |
4.80% |
3M |
For those who have access to the Raisin platform. An account on the platform is required [100 – 400 000 zł] |
|
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Source: Own study by Bankier.pl, as of January 8, 2026. |
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The first place in the table is taken by the monthly position in January NEW 1M deposit HIGH INTERESTwhich can be set up in Bank New. The offer is addressed to new bank customers who will also open a deposit account. The maximum deposit amount is not too high, as it amounts to PLN 10,000. The interest rate on this deposit is at this time 7.00 percent on an annual basis.
The half-yearly one was a step lower in the ranking Nest Lokata Hello proposed by Nest Bankwhich has recently had a slightly lower rate – 6.60 percent on an annual basis.
The given interest rate is valid from December 12, 2025. Previously, the interest rate on this deposit was 7.10%. annually. To take advantage of this offer, you must be a new customer, open a personal account and meet the activity condition, which is to ensure that you receive remuneration in the amount of min. PLN 2,000 per month. This requirement can be replaced by any receipts for the same amount, but then you must perform at least: 10 non-cash transactions by card or Blik in given periods. PLN 25,000 is the maximum amount of this deposit.
He is still in the top three VeloBank With VeloLokata for Active People interest on 6.50 percent on an annual basis. This is another offer that is available only to new customers of a given institution. The deposit is for 6 months and you can deposit up to PLN 50,000. The bank will apply the given interest rate provided that you open a personal account and deposit at least PLN 2,000 per month in each full month of the deposit.
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