The best monthly deposits in February 2026. The highest rate on the market is available here
publication
2026-02-03 06:00
On a monthly deposit you can find the highest rate currently offered on the market. The leader of the table offers new customers an interest rate of 7%. on an annual basis, provided that they meet an additional condition, which is to open a deposit account. The next places were taken by proposals for 6.50 and 4.50 percent. on an annual basis.
The subject of the analysis of the first deposit ranking this month are monthly deposits. The applicable interest rate dictates the order in the table, while other factors (additional conditions, amount limit) are provided for information purposes. One bank may be included in the table once – with its most advantageous offer.
The best monthly deposits
|
The highest rates on monthly deposits – February 2026. |
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|---|---|---|---|---|---|
|
No. |
Bank |
Deposit |
Interest rate |
Amount restrictions |
Additional terms |
|
1. |
New Bank |
NEW 1M deposit HIGH INTEREST COMPARE OTHERS |
7.00% |
PLN 1,000 – PLN 10,000 |
for new customers who open a deposit account |
|
2. |
Crédit Agricole |
Welcome Deposit SUBMIT AN APPLICATION |
6.50% |
PLN 1,000 – 100,000 |
for new customers who open a personal account and express marketing consent |
|
3. |
Bank Millennium |
Birthday Deposit SUBMIT AN APPLICATION |
4.50% |
PLN 1,000 – PLN 25,000 |
for bank account holders, available for 30 days from the customer's birthday, created via the mobile application |
|
4. |
BOŚ Bank |
Deposit for New Resources COMPARE OTHERS |
3.75% |
from PLN 1,000 |
for new funds account holders, set up online |
|
5. |
Toyota Bank |
Deposit Plus COMPARE OTHERS |
3.65% |
2,000 – PLN 100,000 |
for account holders |
|
6. |
BPS Bank |
iLokata COMPARE OTHERS |
3.00% |
from PLN 1,000 |
for holders of a personal or savings account |
|
BFF Banking Group |
Facto deposit SUBMIT AN APPLICATION |
3.00% |
PLN 5,000 – PLN 12,000,000 |
for deposit account holders |
|
|
7. |
Inbank |
Standard deposit SUBMIT AN APPLICATION |
2.75% |
PLN 5,000 – PLN 50,000 |
lack |
|
8. |
Santander Consumer Bank |
New funds online deposit SUBMIT AN APPLICATION |
2.00% |
PLN 1,000 – 400,000 |
deposit of new funds |
|
VeloBank |
VeloLokata for days SUBMIT AN APPLICATION |
2.00% |
from PLN 5,000 |
lack |
|
|
Volkswagen Bank GmbH Branch in Poland |
Deposit Plus SUBMIT AN APPLICATION |
2.00% |
PLN 1,000–2,000,000 |
for account holders |
|
|
9. |
Citi Handlowy |
Standard deposit (Citigold) SUBMIT AN APPLICATION |
1.50% |
from PLN 5,000 |
for Citigold account holders |
|
10. |
BNP Paribas Bank Polska |
GO deposit SUBMIT AN APPLICATION |
1.00% |
from PLN 1,000 |
for holders of a personal or savings account |
|
Nest Bank |
Nest Deposit SUBMIT AN APPLICATION |
1.00% |
PLN 1,000 – PLN 2,000,000 |
for personal account holders |
|
|
Source: Own study by Bankier.pl based on interest rate tables and banks' websites, as of February 2, 2026. |
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It retains its first place in the February ranking NEW deposit 1M High Percent from the offer Bank Nowy. The stakes on this deposit are still high 7 percent on an annual basis. This is the highest interest rate available on the market. To take advantage of this offer, you must be a new customer who will open a “package” deposit account. The maximum deposit amount is PLN 10,000.
She was placed one step lower Welcome Deposit From Crédit Agricole interest on 6.50 percent on an annual basis. This is another top offer that requires the status of a new customer and requires opening an account. In this case, it is a personal account (e.g. Account for You). An additional requirement is to express marketing consents. The Welcome Deposit can be extended two more times, but in this case additional activity conditions must be met. The deposit limit is PLN 100,000.
The third position was taken this month Birthday Deposit From Bank Nowy. 4.50 percent on an annual basis
this is the bank's offer. This deposit is available to account holders who celebrated a birthday no earlier than 30 days before its opening. The offer is available in the bank's mobile application. You can transfer up to PLN 25,000 for this deposit.
Cuts of up to 0.75 pp.
The lack of interest rate cuts in January did not guarantee that rates on term deposits would remain constant. Compared to the previous month, lower interest rates were available in the following banks:
- BFF Banking Group – Lokata Facto, reduction from 3.75 to 3.00 percent. annually,
- BOŚ Bank – Deposit for New Funds, change from 3.80 to 3.75 percent. per year,
- Inbank – Term deposit, 2.75 to 2.65 percent. annually.
Credit Agricole's offer has also undergone significant changes. The bank has introduced the Welcome Deposit to its price list, which until now was available for longer terms – 90 or 180 days. Currently, it can be set up for 30 days, although it can be extended. At the same time, the bank reduced the interest rate on the Term Deposit from 1.00 to 0.75 percent. on an annual basis. The average rate for the five highest-interest-bearing deposits is 5.08 percent. per year, i.e. by 0.54 pp. more than in January this year. This is due to the second-place new product for this period from Credit Agricole.
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