publication
2025-11-18 06:00
November brings further reductions in rates on half-year deposits, and banks are becoming more and more cautious about bonusing new deposits. Despite the wave of cuts, you can still find offers that stand out from the market, although access to them often requires meeting additional conditions. The highest interest-bearing deposits still offer 7%. on an annual basis.
This week we are looking at 6-month deposits. The list includes proposals with the highest interest rate, which determines the position of a given offer in the table. Information about amount limits and additional requirements (e.g. conditions to be met) is provided in the last column. When creating the ranking, we adopted the principle that each bank can be included only once – with the most advantageous available deposit.
The best half-year deposits
|
The highest rates on half-year deposits – November 2025. |
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|---|---|---|---|---|---|
|
No. |
Bank |
Deposit |
Interest rate |
Amount restrictions |
Additional terms |
|
1. |
Nest Bank |
Nest Lokata Hello SUBMIT AN APPLICATION |
7.10% |
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 |
7.00% |
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. |
Citi Handlowy |
Welcome Deposit SUBMIT AN APPLICATION |
6.00% |
PLN 10,000 – 200,000 |
for new customers who open a Citigold account in the “Achieve more with a Citigold account and 6.2% deposit” offer, accept the offer regulations, express marketing consents and ensure a daily balance of min. PLN 420,000 |
|
4. |
Raiffeisen Digital Bank |
A deposit for you for new customers SUBMIT AN APPLICATION |
4.80% |
PLN 100 – 100,000 |
for new customers who open a personal account |
|
5. |
Inbank |
Standard deposit SUBMIT AN APPLICATION |
4.55% |
PLN 5,000 – PLN 50,000 |
lack |
|
6. |
Toyota Bank |
Deposit Plus COMPARE OTHERS |
4.50% |
2,000 – PLN 100,000 |
for account holders |
|
7. |
New Bank |
NEW 6M deposit GUARANTEED COMPARE OTHERS |
4.30% |
PLN 1,000 – 100,000 |
for personal account holders who deposit new funds |
|
8. |
UniCredit |
Term deposit SUBMIT AN APPLICATION |
4.20% |
PLN 1,000 – PLN 1,000,000 |
for account holders |
|
9. |
BOŚ Bank |
Deposit for New Resources COMPARE OTHERS |
4.05% |
from PLN 1,000 |
for personal account holders who deposit new funds |
|
10. |
Bank Millennium |
Deposit for New Resources SUBMIT AN APPLICATION |
4.00% |
from PLN 1,000 |
for personal account holders who deposit new funds |
|
BFF Banking Group |
Facto deposit SUBMIT AN APPLICATION |
4.00% |
PLN 10,000 – PLN 12,000,000 |
for deposit account holders |
|
|
Santander Consumer Bank |
New funds online deposit SUBMIT AN APPLICATION |
4.00% |
PLN 1,000 – 400,000 |
deposit of new funds |
|
|
Volkswagen Bank GmbH Branch in Poland |
Deposit Plus SUBMIT AN APPLICATION |
4.00% |
PLN 1,000 – PLN 2,000,000 |
for account holders |
|
|
Source: Bankier.pl own interest rate based on interest rate tables and banks' websites, as of November 17, 2025. |
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He leads the November rankings Nest Bank with Nest Lokata Hello. This offer is available only to new customers, provided they open a personal account and actively use the current account. The bank requires ensuring the receipt of remuneration of at least PLN 2,000 in two consecutive settlement periods. Alternatively, if wages cannot be transferred, any receipts for the same amount can be provided, but then a minimum of 10 card or Blik transactions. Maximum on a promotional interest-bearing deposit at the level 7.10 percent on an annual basis you can invest PLN 25,000.
Second place belongs to VeloBankwhich he maintained 7 percent rate on VeloLokat dla Active in a special offer. Preferential conditions are available to new customers who open a personal account, express marketing consent and ensure monthly receipts of at least PLN 2,000. Customers can deposit a maximum of PLN 50,000 on a deposit at VeloBank.
The podium closes Citi Handlowy with a Welcome Deposit interest on 6.00 percent on an annual basis. The offer is addressed to people opening a Citigold account. To take advantage of the promotional rate, it is necessary to accept the promotion's regulations, provide marketing consents and maintain a total bank balance of at least PLN 420,000. The deposit can be made for an amount from PLN 10,000 to PLN 200,000.
A wave of cuts on deposits
Banks are reducing rates on deposits again, and the most noticeable changes concern short-term deposits. November brings another wave of cuts, which covers the following products:
- Citi Handlowy – reduction on the Welcome Deposit from 6.20 to 6.00 percent. on an annual basis,
- Raiffeisen Digital Bank – drop from 5.50 to 4.80 percent. per year,
- Inbank – cut on Standard Deposit from 4.70 to 4.55%. per year,
- Toyota Bank – reduction from 5.00 to 4.50 percent. on an annual basis.
- BFF Banking Group – reduction on Lokata Facto from 4.25 to 4.00 percent. on an annual basis.
- Volkswagen Bank GmbH Branch in Poland – cut on Lokata Plus from 5.00 to 4.00 percent. on an annual basis.
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