Where is the best place to deposit PLN 50,000? PLN in February 2026? We are checking various options on deposits

Banks are cutting interest rates, but the fight for customer savings continues. We have reviewed current deposit offers, dividing the market into three categories: from offers for PLN 50,000, through offers for new customers, to mobile deposits. Check who pays the most in February 2026 and what requirements – from account receipts to marketing consents – must be met to get a better rate.

The situation on the deposit market is changing dynamically, but there is only one direction: down. Maximum rates, which not long ago seemed easily accessible, are now becoming market “raisins”. The path to the highest profit is becoming more and more winding – banks willingly offer 6 or 7 percent. on an annual basis, but then they are subject to a number of requirements: from the status of a new customer, through mandatory receipts to the account, to the need to express marketing consents.

We checked the current offers on the market and selected the best proposals, presenting them in three different angles. The first of them concerns offers for a deposit of PLN 50,000, which is often the threshold for promotional interest rates. The second table concerns “starter” offers, i.e. proposals reserved for new customers. The third list includes the best mobile deposits, which sometimes have slightly better interest rates than standard deposits.

The best deposits for 50 thousand zloty

Holders of funds in the amount of PLN 50,000 who want to transfer them to a term deposit can count on an interest rate of up to 6.50 percent on an annual basis. This percentage is included in two offers on the market – Welcome Deposit In Crédit Agricole and VeloLokacie for Active People
In VeloBank. The offer from the first one is a 1-month deposit, which will be available to new bank customers opening a personal account. Marketing consent required. The bank gives you the opportunity to extend the deposit twice at the same rate after meeting the activity conditions. The maximum deposit amount is PLN 100,000.

The same interest rate accompanies VeloLokacie for Active Peoplewhich is assumed for 6 months. This is another offer for new customers who decide to have a personal account in the package and express marketing consents. Interested parties will also have to provide revenues to the current account in the amount of min. PLN 2,000 per month. You can deposit up to PLN 50,000 on this deposit.

In second place were three interest-bearing proposals 5 percent on an annual basis. NEW 3M deposit GUARANTEED From New Ban
this is an offer for holders of a deposit account in this bank, Deposit in the Citigold account promotion from Citi Handlowy is a deposit available in the form of a reward for new customers who open the above-mentioned account and provide inflows on all their accounts in this bank (including the deposit account) in the amount of min. PLN 420,000. 5 percent per year can also be obtained by selecting Good morning deposit for you In Santander Bank Polska. This is another deposit related to the condition of having the status of a new customer and the requirement to open a personal account. You must create an account online, express marketing consent and accept the promotion's regulations.

4.75 percent on an annual basis this is the rate available in two banks. CA Auto Bank this percentage is proposed for Term deposit for 48 months, in turn Inbank on Starting deposit
for 3 months. CA Auto Bank's offer is available to people who gain access to the Raisin platform, while Inbank's offer is available to new customers. Funds deposited in CA Auto Bank are protected by the Italian deposit guarantee system, while Inbank is protected by the Estonian deposit guarantee system.

The best deposits for new customers

The highest interest rate deposit for new customers is NEW 1M deposit HIGH INTEREST From Bank Nowy covered by a rate of 7 percent on an annual basis. Those interested in the offer must also open a deposit account. The offer was not included in the first table due to the very low maximum amount of PLN 10,000.

She was in second place Nest Lokata Hello From Nest Bank with a rate of 6.60 percent annually. This interest rate accompanies a 6-month deposit, which, in addition to the analyzed condition, also requires the opening of a personal account and the provision of remuneration in two periods in the amount of min. PLN 2,000 per month. This condition can be replaced by the provision of any income, but then the customer must also make at least 10 payments by debit card or Blik in a given month. You can keep capital of up to PLN 25,000 on this deposit.

The above-described proposals were placed a notch lower
6.50 percent on an annual basisThat is Welcome Deposit From Credit Aricole and VeloLokata for Active People from the offer VeloBank.

The best mobile deposits

On a mobile deposit you can currently receive up to 5 percent on an annual basis. One of the offers with the highest interest rate is A deposit for you offered by Raiffeisen Digital Bank in a variant for new customers. You can open a deposit for 3 months and pay up to PLN 40,000. Additional condition? Setting up a personal account.

The same interest rate applies to Lokacie Mobilna na Start available in VeloBank. This is an offer for people who are just activating their first profile in mobile banking and expressing marketing consent. The deposit is for 2 months and the deposit limit is PLN 50,000.

It can boast of being the runner-up Bank Millenniumwhich proposes 4.50 percent annually on monthly basis Birthday Deposit. The offer is addressed to account holders who had a birthday no earlier than 30 days before the planned opening of the deposit. You can deposit up to PLN 25,000 into this deposit.

3.80 percent annually
this is the interest rate that those interested in the offer can reach Santander Consumer Bankwho will choose the 4-month-old Mobile Deposit New Means. The name of the deposit reveals the additional condition for this deposit – the need to deposit new funds. PLN 400,000 is the payment limit for this deposit.

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