We compare returns on term deposits for periods ranging from 6 to 12 months. We examine the actual earnings for PLN 10,000 and PLN 50,000 after the 19% capital gains tax.
Highest 6-Month Interest Rates
VeloBank — VeloLokata dla Aktywnych – edycja 9/2026 offers a promotional rate of 6% for 6 months. The amount covered by this rate is PLN 50,000, and the promotion is valid until 4 November 2026. For a PLN 10,000 deposit, net interest is PLN 243, while for PLN 50,000, the net return is PLN 1,215.
Nest Bank — Nest Lokata Witaj 6M provides a promotional rate of 6.1% for 6 months. This rate applies to amounts up to PLN 25,000. For a PLN 10,000 deposit, net interest is PLN 247.05, and for PLN 50,000, the net return is PLN 617.63.
Alior Bank New Funds Deposit
Alior — Lokata na nowe środki 182 dni offers a standard interest rate of 3.4%. The amount covered by this rate is PLN 300,000, and the term is 182 days.
After applying the 19% Belka tax, the net interest for PLN 10,000 is PLN 137.32, and for PLN 50,000, the net return is PLN 686.61.
The Belka Tax Mechanism
All presented net interest amounts account for the 19% capital gains tax (Belka tax). This tax is calculated on the earned interest, meaning the final payout to the customer is lower than the gross amount derived from the interest rate.
Data: banks’ pages and fee tables in our database. Interest calculations are ours and indicative, before any fees. General information, not financial advice.
