The best bank deposits on the market – March 2026. Up to 7 percent. profit, but the leader sets a tough condition
publication
2026-03-13 06:00
Despite another cut in interest rates, customers can still choose from several term deposits with rates exceeding 6%. on an annual basis. However, all TOP3 proposals have one of the most stringent conditions. Only new customers of given institutions will benefit from them.
Bankier.pl included a ranking of deposits with the highest rates on the market. In the case of this list, the positions in the table depend only on the interest rate, although there is also other important information, such as the duration of the deposit or additional conditions. Unlike our cyclical deposit rankings, one bank may appear more than once in this ranking.
The best deposits in March 2026
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The highest interest-bearing deposits on the market – March 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. |
Crédit Agricole Welcome Deposit SUBMIT AN APPLICATION |
6.50% |
1M |
for new customers who open a personal account and express marketing consent [do 100 tys. zł, maks. 1 lokata] |
|
4. |
VeloBank VeloLokata for Active People SUBMIT AN APPLICATION |
6.00% |
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] |
|
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 |
5.00% |
3M |
For new customers who open a deposit account [do 100 tys. zł, maks. 4 lokaty] |
|
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] |
|
|
Santander Bank Polska Good morning deposit for you SUBMIT AN APPLICATION |
5.00% |
3M |
For new customers who open an account online and verify their identity via the mobile application (via the so-called selfie) or mObywatela. Marketing consents and acceptance of promotion regulations are required [do 50 tys. zł, maks. 1 lokata] |
|
|
VeloBank Mobile Deposit for Start SUBMIT AN APPLICATION |
5.00% |
2M |
For new bank customers who express marketing consent [do 50 tys. zł, maks. 1 lokata] |
|
|
7. |
CA Auto Bank Term deposit SUBMIT AN APPLICATION |
4.55% |
48M |
For those who have access to the Raisin platform. An account on the platform is required [100 – 410 000 zł] |
|
8. |
Inbank Starting deposit SUBMIT AN APPLICATION |
4.50% |
3M |
For new customers [do 50 tys. zł, maks. 1 lokata] |
|
Unicredit Term deposit SUBMIT AN APPLICATION |
4.50% |
3M |
For account holders [do 25 mln zł] |
|
|
9. |
CA Auto Bank Term deposit SUBMIT AN APPLICATION |
4.45% |
36M |
For those who have access to the Raisin platform. An account on the platform is required [100 – 410 000 zł] |
|
10. |
CA Auto Bank Term deposit SUBMIT AN APPLICATION |
4.35% |
24M |
For those who have access to the Raisin platform. An account on the platform is required [100 – 410 000 zł] |
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Source: Own study by Bankier.pl, as of March 12, 2026. |
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The first place in the table is again occupied by the place NEW 1M deposit HIGH INTERESTwhich is the only one with a rate of 7 percent on an annual basis. Those interested in this proposal will find it in the offer
Bank Nowy. A deposit can be opened by new bank customers who will also open a deposit account required to service the deposit. The maximum amount is PLN 10,000. As the name of the deposit suggests, it can be opened for 1 month.
The position just behind the leader went to the half-year-old Nest Lokacie Hello on 6.60 percent on an annual basis. To open this deposit, you need to focus on the offer Nest Bank. To set it up, depositing savings alone is not enough. Future depositors must meet a number of requirements: check off the condition regarding customer status, open a personal account and ensure that they receive remuneration in the amount of min. PLN 2,000 per month. The last guideline can be replaced by any receipts in the same amount, but then a minimum of 10 cashless transactions by card or Blik. The deposit limit for this deposit is PLN 25,000.
Another proposition for new customers ranks third. In her case, the rate offered is: 6.50 percent to scale. I'm talking about Welcome Deposit In Crédit Agricole. This is a monthly deposit into which you can deposit up to PLN 100,000 after opening a personal account and expressing marketing consents. Those interested may extend the offer twice after meeting additional conditions.
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