The best 6M deposits in January. 5 banks have cut their rates, but two maintain high interest rates
publication
2026-01-20 06:00
6.60 percent per annum is currently the highest interest rate available on a half-year deposit. The leader of the table expects those interested to meet several additional requirements. These include, for example, providing inflows to a newly opened personal account.
This week we are publishing a ranking of deposits that can be made for 6 months. The table contains the offers that placed in the top ten places on the list. The position in the ranking is determined by the applicable percentage. Moreover, the table also lists additional restrictions (e.g. maximum amount). 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
|
The highest rates on half-year deposits – January 2026. |
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|---|---|---|---|---|---|
|
No. |
Bank |
Deposit |
Interest rate |
Amount restrictions |
Additional terms |
|
1. |
Nest Bank |
Nest Lokata Hello SUBMIT AN APPLICATION |
6.60% |
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 |
6.50% |
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. |
Raiffeisen Digital Bank |
A deposit for you for new customers SUBMIT AN APPLICATION |
4.50% |
PLN 100 – 100,000 |
for new customers who open a personal account |
|
4. |
CA Auto |
Term deposit SUBMIT AN APPLICATION |
4.45% |
PLN 100 – 410,000 |
for those who have access to the Raisin platform. An account on the platform is required |
|
5. |
New Bank |
NEW 6M deposit GUARANTEED COMPARE OTHERS |
4.30% |
PLN 1,000 – 100,000 |
for personal account holders who deposit new funds |
|
6. |
Toyota Bank |
Deposit Plus COMPARE OTHERS |
4.25% |
2,000 – PLN 100,000 |
for account holders |
|
7. |
UniCredit |
Term deposit SUBMIT AN APPLICATION |
4.20% |
PLN 1,000 – PLN 1,000,000 |
for account holders |
|
8. |
Inbank |
Standard deposit SUBMIT AN APPLICATION |
4.05% |
PLN 5,000 – PLN 50,000 |
lack |
|
9. |
Volkswagen Bank GmbH Branch in Poland |
Deposit Plus SUBMIT AN APPLICATION |
4.00% |
PLN 1,000 – PLN 2,000,000 |
for account holders |
|
10. |
Bank Millennium |
Deposit for New Resources SUBMIT AN APPLICATION |
3.80% |
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 January 19, 2026. |
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It takes first place in the ranking of the best half-year deposits Nest Lokata Hello From Nest Bank. The bank's proposal is 6.60 percent on an annual basis for amounts up to PLN 25,000. 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. An alternative is to provide any proceeds in the same amount and make min. 10 card or Blik payments.
VeloBank
proposes a slightly lower interest rate, because 6.50 percent on an annual basis. This rate is listed at VeloLokacie for Active People. The common denominator of this offer and the leader's proposal is the need to have the status of a new customer, set up a personal account and guarantee income. In this case, any receipts are required in the amount of min. PLN 2,000 made in each full month of the deposit. The bank expects depositors to provide marketing consent. The maximum offer amount is PLN 50,000.
Raiffeisen Digital Bank ranks third in the ranking, offering a much lower rate than the above-mentioned institutions. On A place for you for new customers there is a rate of 4.50 percent annually. An additional requirement to tick off is opening a personal account. Funds deposited in this bank are protected by the Austrian Deposit Guarantee Scheme. The maximum contribution amount is PLN 100,000.
Five banks with discounts
Compared to December, the latest table with the highest interest-bearing half-year deposits is slightly weaker due to cuts carried out in five banks. This list includes:
- BFF Banking Group – reduction on Lokata Facto from 4.00 to 3.75 percent. per year,
- BOŚ Bank – change in the rate on Lokata na Nowe Młodych from 3.80 to 3.55 percent. per year,
- CA Auto – cut on the Term Deposit from 4.60 to 4.45 percent. annually,
- Inbank – change in the rate on the Term Deposit from 4.25 to 4.05 percent. per year,
- Raiffeisen Digital Bank – reduction on Deposit for You (for new customers) from 4.80 to 4.50 percent. annually.
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