publication
2026-03-24 06:00
By depositing your savings into an annual deposit, you can receive an interest rate of 4.15%. on an annual basis. This is a rate of 0.20 percentage points. lower than that available at the end of February. The next positions include offers ranging from 3.80 to 4.00 percent. on an annual basis.
In the last ranking of deposits this month, we focus on the banks' offers with the highest interest rates for 12 months. In the case of this list, the amount limit is not a limitation, but we provide it for information purposes. The position in the table depends on the rate offered. One bank could be included in the ranking only once – with the highest interest-bearing deposit.
The best annual deposits on the market
|
The highest rates on annual deposits – March 2026. |
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|---|---|---|---|---|---|
|
No. |
Bank |
Deposit |
Interest rate |
Amount restrictions |
Additional terms |
|
1. |
CA Auto Bank |
Term deposit SUBMIT AN APPLICATION |
4.15% |
PLN 100 – 410,000 |
for those who have access to the Raisin platform. An account on the platform is required |
|
2. |
BFF Banking Group |
Facto deposit SUBMIT AN APPLICATION |
4.00% |
PLN 5,000 – PLN 12,000,000 |
for deposit account holders |
|
Unicredit |
Term deposit SUBMIT AN APPLICATION |
4.00% |
PLN 1 – 25,000,000 |
for account holders |
|
|
3. |
Inbank |
Standard deposit SUBMIT AN APPLICATION |
3.80% |
PLN 5,000 – PLN 50,000 |
lack |
|
4. |
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 |
|
Raiffeisen Digital Bank |
A deposit for you SUBMIT AN APPLICATION |
3.50% |
PLN 100 – 200,000 |
for account holders |
|
|
5. |
Toyota Bank |
Deposit Plus COMPARE OTHERS |
3.40% |
2,000 – PLN 100,000 |
for account holders |
|
6. |
BOŚ Bank |
Deposit for new funds COMPARE OTHERS |
3.30% |
from PLN 1,000 |
for account holders who deposit new funds |
|
7. |
ING Bank Śląski |
Term deposit Plus SUBMIT AN APPLICATION |
3.25% |
PLN 1,000 – 100,000 |
for savings account holders |
|
8. |
Santander Consumer Bank |
New funds online deposit SUBMIT AN APPLICATION |
3.00% |
PLN 1,000 – 400,000 |
deposit of new funds |
|
Volkswagen Bank GmbH Branch in Poland |
Deposit Plus SUBMIT AN APPLICATION |
3.00% |
PLN 1,000 – PLN 2,000,000 |
for account holders |
|
|
9. |
Alior Bank |
Deposit for New Resources COMPARE OTHERS |
2.80% |
PLN 1,000 – 200,000 |
deposit of new funds |
|
Crédit Agricole |
Deposit for New Resources SUBMIT AN APPLICATION |
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 |
2.50% |
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 March 23, 2026. |
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Despite the interest rate reduction CA Auto Bank retained first position by offering on Term deposit 4.15 percent on an annual basis.
The offer is available to people who create an account on the Raisin platform. The maximum amount that can be deposited on this deposit is PLN 410,000.
Second place was taken by two interest-bearing proposals 4.00 percent on an annual basis. One of them is Facto deposit From BFF Banking Group. This deposit can only be used after opening a deposit account in this bank. The maximum amount is high and amounts to PLN 12,000,000.
The same interest rate accompanies Term deposit From Unicredit. In this case, an additional condition is to open a personal account. PLN 25,000,000 is the amount that the bank has set as the deposit limit.
3.80 percent on an annual basis this is an interest rate that was enough to take third place in the March ranking. This amount will be paid to people who open it Term deposit In Inbank. This is the only top offer that does not have any catches. You can deposit PLN 50,000 on one deposit.
Cuts in five banks and one raise
The March ranking brought several changes. These also include the increase introduced by BFF Banking Group on Facto deposit. Thanks to the increase in interest rates from 3.50 to 4.00 percent annually the bank jumped from fourth place to second place.
The remaining changes in the table are related to discounts. The list of banks that have reduced interest rates on 12-month deposits includes:
- Alior Bank – Deposit for New Funds from 3.00 to 2.80 percent. annually,
- CA Auto Bank – reduction on the Term Deposit from 4.35 to 4.15 percent. per year,
- Inbank
– reduction on the Standard Deposit from 4.00 to 3.80 percent. annually, - Santander Consumer Bank – change from 3.40 to 3.00 on Lokata Online Nowe Młodych,
- Toyota Bank – reduction on Lokata Plus from 3.65 to 3.40 percent. on an annual basis.
The average interest rate on the five best deposits is 3.89%. on an annual basis. This is a result of 0.01 percentage points. worse than the one in February this year.
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