The best annual deposits. Six banks are cutting their rates and two are withdrawing from such an offer
publication
2026-01-27 06:00
January brought further declines in the best annual deposits. The leader offers current and new customers 4.35 percent. on an annual basis. Customers who want an interest rate of at least 4.00%. per year, they can expand the range of available offers by another four proposals.
This week we analyze the best 12-month deposits and the conditions that apply to them. The place in the table depends on the interest rate available on January 26, 2026. The higher the deposit interest rate, the better the position in the ranking. The article also contains information about the amount that can be deposited into a given deposit or the conditions that must be met to receive the interest rate shown in the table. A given banking brand may appear in the table only once – with the best offer for a given date.
The best annual deposits on the market
|
The highest rates on annual deposits – January 2026. |
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|---|---|---|---|---|---|
|
No. |
Bank |
Deposit |
Interest rate |
Amount restrictions |
Additional terms |
|
1. |
CA Auto Bank |
Term deposit SUBMIT AN APPLICATION |
4.35% |
PLN 100 – 410,000 |
for those who have access to the Raisin platform. An account on the platform is required |
|
2. |
Inbank |
Standard deposit SUBMIT AN APPLICATION |
4.00% |
PLN 5,000 – PLN 50,000 |
lack |
|
Raiffeisen Digital Bank |
A deposit for you SUBMIT AN APPLICATION |
4.00% |
PLN 100 – 200,000 |
for account holders |
|
|
Unicredit |
Term deposit SUBMIT AN APPLICATION |
4.00% |
PLN 1 – 25,000,000 |
for account holders |
|
|
Volkswagen Bank GmbH Branch in Poland |
5 Plus deposit COMPARE OTHERS |
4.00% |
PLN 1,000 – PLN 2,000,000 |
for account holders |
|
|
3. |
Toyota Bank |
Deposit Plus COMPARE OTHERS |
3.65% |
2,000 – PLN 100,000 |
for account holders |
|
4. |
BFF Banking Group |
Facto deposit SUBMIT AN APPLICATION |
3.50% |
PLN 5,000 – PLN 12,000,000 |
for deposit account holders |
|
Nest Bank |
Nest Lokata New Means SUBMIT AN APPLICATION |
3.50% |
PLN 1,000 – PLN 2,000,000 |
for account holders who deposit new funds |
|
|
5. |
Santander Consumer Bank |
New funds online deposit SUBMIT AN APPLICATION |
3.40% |
PLN 1,000 – 400,000 |
deposit of new funds |
|
6. |
Alior Bank |
Deposit for New Resources COMPARE OTHERS |
3.30% |
PLN 1,000 – 200,000 |
deposit of new funds |
|
7. |
ING Bank Śląski |
Term deposit Plus SUBMIT AN APPLICATION |
3.25% |
PLN 1,000 – 100,000 |
for savings account holders |
|
8. |
BOŚ Bank |
Deposit for new funds COMPARE OTHERS |
3.20% |
from PLN 1,000 |
for account holders who deposit new funds |
|
9. |
Crédit Agricole |
Deposit for New Resources COMPARE OTHERS |
2.80% |
PLN 1,000 – 100,000 |
for account holders who deposit new funds |
|
10. |
BNP Paribas Bank Polska |
Deposit for New Resources SUBMIT AN APPLICATION |
2.75% |
from PLN 1,000 |
for account holders who deposit new funds |
|
Source: Bankier.pl own interest rate based on interest rate tables and banks' websites, as of January 26, 2026. |
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He took first place on the list CA Auto Bankwhich on Term deposit offers 4.35 percent on an annual basis. This is an offer addressed to holders of access to the Raisin platform through which you can open this deposit. Those interested in this offer will have to create an account on the above-mentioned platform. The maximum amount that can be frozen under this proposal is PLN 410,000. Funds deposited in CA Auto Bank are protected by the Italian deposit guarantee system.
Evenly 4.00 percent on an annual basis this is the rate that accompanies as many as four deposits for 12 months – Standard deposit from Inbank, Deposit for you from Raiffeisen Digital Bank, Term deposit from Unicredit and Lokacie 5 Plus from Volkswagen Bank GmbH Branch in Poland. Almost all of the above-mentioned offers – apart from the offer from Inbank – require having an account. The most you can deposit on a single deposit is at Unicredit – PLN 25,000,000. Savings deposited in Inbank are protected by the Estonian equivalent of BFG, Raiffeisen Digital Bank – Austrian, Unicredit – Belgian and Volkswagen Bank – German.
3.65 percent annually is the interest rate that makes Toyota Bank took third place. This interest rate is available on Lokacie Pluswhich can be opened provided you have a personal account in this bank.
Cuts of up to 0.30 pp.
Compared to the December ranking, as many as six leading banks lowered their proposed interest rates. We're talking about:
- BOŚ Bank – change from 3.30 to 3.20 percent. annually on the New Funds Deposit,
- CA Auto Bank – reduction from 4.50 to 4.35 percent. annually on a Term Deposit,
- Credit Agricole – cut from 3.10 to 2.80 percent. per annum on the New Funds Deposit,
- Inbank – reduction from 4.10 to 4.00 on the Term Deposit,
- Nest Bank – change from 3.65 to 3.50 percent. per annum on the Nest Deposit Nowe Średni.
As many as two banks, which were in sixth and tenth place respectively in the last month of 2025, withdrew the 12-month deposit from their offer. This decision was made by Bank Nowy and Bank Millennium.
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