The best deposits for 6 months – March 2026. More banks are cutting profits by up to 0.50 pp.
publication
2026-03-17 06:00
March brought another series of reductions on half-year deposits. The changes did not bypass even the top of the ranking – the runner-up in the ranking reduced its interest rate by 0.50 percentage points. Despite the deterioration of conditions in several banks, the rates on the best offers still fluctuate around 6%. on an annual basis.
The latest analysis of savings on Bankier.pl concerns offers for 6 months. The table shows the highest interest rates for this period. The places occupied depend only on this one parameter. The ranking also includes information about the amount that can be deposited on a given deposit and the conditions set by the bank that must be met to receive the given interest rate. A given banking brand can be included in the ranking only once – with the best offer for 6 months.
The best deposits for 6 months
|
The highest rates on half-year deposits – March 2026. |
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|---|---|---|---|---|---|
|
No. |
Bank |
Deposit |
Interest rate |
Amount restrictions |
Additional terms |
|
1. |
Nest Bank |
Nest Lokata Hello SUBMIT AN APPLICATION |
6.60% |
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 |
6.00% |
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. |
New Bank |
NEW 6M deposit GUARANTEED COMPARE OTHERS |
4.30% |
PLN 1,000 – 100,000 |
for personal account holders who deposit new funds |
|
4. |
UniCredit |
Term deposit SUBMIT AN APPLICATION |
4.20% |
PLN 1,000 – PLN 1,000,000 |
for account holders |
|
5. |
CA Auto Bank |
Term deposit SUBMIT AN APPLICATION |
4.10% |
PLN 100 – 410,000 |
for those who have access to the Raisin platform. An account on the platform is required |
|
6. |
Raiffeisen Digital Bank |
A deposit for you for new customers SUBMIT AN APPLICATION |
4.00% |
PLN 100 – 100,000 |
for new customers who open a personal account |
|
Toyota Bank |
Deposit Plus COMPARE OTHERS |
4.00% |
2,000 – PLN 100,000 |
for account holders |
|
|
Volkswagen Bank GmbH Branch in Poland |
Deposit Plus SUBMIT AN APPLICATION |
4.00% |
PLN 1,000 – PLN 2,000,000 |
for account holders |
|
|
7. |
Inbank |
Standard deposit SUBMIT AN APPLICATION |
3.90% |
PLN 5,000 – PLN 50,000 |
lack |
|
8. |
BFF Banking Group |
Facto deposit SUBMIT AN APPLICATION |
3.75% |
PLN 5,000 – PLN 12,000,000 |
for deposit account holders |
|
9. |
Bank Millennium |
Deposit for New Resources SUBMIT AN APPLICATION |
3.50% |
from PLN 1,000 |
for personal account holders who deposit new funds |
|
Santander Consumer Bank |
New funds online deposit SUBMIT AN APPLICATION |
3.50% |
PLN 1,000 – 400,000 |
for people who contribute new funds |
|
|
10. |
BOŚ Bank |
Deposit for new funds COMPARE OTHERS |
3.45% |
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 16, 2026. |
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It maintains its first place in the ranking Nest Lokata Hellowhich can be opened in Nest Bank. The rate on this deposit has been high for a long time 6.60 percent on an annual basis. New customers who create a personal account and meet the activity conditions can take advantage of this offer. These include opening a personal account and ensuring the receipt of remuneration in two periods in the amount of min. PLN 2,000. The second condition can be replaced with any receipts for the same amount, but then you must make 10 non-cash transactions by card or Blik in these months. The maximum amount of this deposit is PLN 25,000.
She was ranked second on the list VeloLokata for Active People From VeloBank interest on 6.00 percent on an annual basis. Like the leader of the table, the bank requires future depositors to have the status of a new customer and open a personal account. It will also be necessary to express marketing consents and ensure monthly revenues of at least PLN 2,000. You can deposit up to PLN 50,000 on this deposit.
The TOP3 ends with a placement NEW 6M deposit GUARANTEED, which can be set up on the website Bank Nowy. The stake that got this place into this position was 4.30 percent on an annual basis. This deposit is accompanied by two additional conditions – opening a deposit account and depositing new funds. You can transfer up to PLN 100,000 for a single deposit.
Further negative changes in half-year deposits
The new ranking brought further reductions in deposits. The biggest cut concerns the runner-up – VeloLokaty for Active People From VeloBank. The last price list for deposits introduced a reduction of 0.50 pp. – from 6.50 to 6.00 percent on an annual basis.
The remaining cuts occurred in the following banks:
- CA Auto Bank – reduction on the Term Deposit from 4.30 to 4.10 percent. per year,
- Inbank
– change on the Term Deposit from 4.05 to 3.90 percent. per year, - Santander Consumer Bank – a cut on Lokata Online Nowe Młodych from 3.70 to 3.50 percent. per year,
- Toyota Bank – reduction on Lokata Plus from 4.25 to 4.00 percent. annually.
Positive accents include the re-introduction of Lokata dla Młodych as a variant for new customers Raiffeisen Digital Bank. Currently, customers can receive 4%. on an annual basis.
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