Edition: Best 6–12 month deposits in Poland — October 2026Updated every month
Short answer: Top pick in our October 2026 ranking: Nest Bank — Nest Lokata Witaj 6M, scored 7.6/10. It pays 6.1% (promotional rate) for 6 months. We compared 8 products; data checked 30 September 2026. Second place: VeloBank — VeloLokata dla Aktywnych – edycja 9/2026 (7.5/10). The order comes only from the published scores, never from commission — details below.
Best 6–12 month deposits in Poland — October 2026 ranking
Data checked 30 September 2026
This comparison looks at deposit accounts in Polish zloty with terms running from half a year up to a year, ranked by a published score.
The order reflects the weighted score for each product. Some entries sit lower on the list not because the headline rate is poor, but because the provider has not published certain details, such as a balance cap. Where that is the case, it is noted plainly rather than guessed at.
Rates, terms and any stated end dates are drawn from provider information current at the time of writing. Readers should confirm current terms directly with the provider before making a decision.
Nest Bank — Nest Lokata Witaj 6M
Top-ranked deposit on this list, combining a high promotional rate with a straightforward six-month term.
- Interest rate
- 6.1%
- Rate type
- promotional
- Rate period
- 6 months
Why it ranks here
- Interest rate of 6.1%, described as a promotional rate
- Rate applies across the stated „6 months” period
Watch out for
- The provider does not publish a balance limit for this offer; readers should check Nest Bank’s terms for any cap
- As a promotional rate, terms after the period ends are not stated here; readers should check Nest Bank’s terms
Promotion ended . We checked these figures before that date and they may no longer apply — confirm the current terms with the provider. The next edition will re-rank this list.
VeloBank — VeloLokata dla Aktywnych – edycja 9/2026
Second-ranked deposit, with a rate close to the top entry but a published balance cap and a stated offer deadline.
- Interest rate
- 6%
- Rate type
- promotional
- Balance covered
- PLN 50,000
- Rate period
- 6 miesięcy
Why it ranks here
- Interest rate of 6%, a promotional rate over „6 miesięcy”
- Rate applies up to a balance of PLN 50,000
- Offer stated to end on 4 November 2026
Watch out for
- Balance above PLN 50,000 is paid at the lower standard rate of 2%
- Offer ends on 4 November 2026, after which terms may change
Alior — Lokata na nowe środki w złotych 182 dni
A standard-rate deposit with a mid-length term and a clearly published balance cap.
- Interest rate
- 3.4%
- Rate type
- standard
- Balance covered
- PLN 200,000
- Rate period
- 182 days
Why it ranks here
- Interest rate of 3.4%, a standard rate
- Rate period of „182 days”
- Balance covered up to PLN 200,000
Watch out for
- As a standard rate rather than a promotional one, it is lower than several other entries on this list
Santander Consumer Bank — Lokata 3,60% 12M
A twelve-month promotional deposit with a published balance cap and a stated guarantee scheme.
- Interest rate
- 3.6%
- Rate type
- promotional
- Balance covered
- PLN 400,000
- Rate period
- 12 miesięcy
Why it ranks here
- Interest rate of 3.6%, a promotional rate
- Rate period of „12 miesięcy”
- Balance covered up to PLN 400,000, under the „BFG” guarantee
Watch out for
- Score is lower than the higher-ranked entries above; readers may want to compare it against the same provider’s shorter-term deposit on this list
Santander Consumer Bank — Lokata 3,50% 6M
A six-month version of the same provider’s promotional deposit, with a lower rate than its twelve-month counterpart.
- Interest rate
- 3.5%
- Rate type
- promotional
- Balance covered
- PLN 400,000
- Rate period
- 6 miesięcy
Why it ranks here
- Interest rate of 3.5%, a promotional rate
- Rate period of „6 miesięcy”
- Balance covered up to PLN 400,000, under the „BFG” guarantee
Watch out for
- Rate is lower than the same provider’s twelve-month deposit listed above
Alior — Lokata na nowe środki w złotych 365 dni
A standard-rate twelve-month deposit from the same provider as entry three, with a lower rate.
- Interest rate
- 2.8%
- Rate type
- standard
- Balance covered
- PLN 200,000
- Rate period
- 365 days
Why it ranks here
- Interest rate of 2.8%, a standard rate
- Rate period of „365 days”
- Balance covered up to PLN 200,000
Watch out for
- Rate is lower than the same provider’s shorter-term deposit listed above
Promotion ended . We checked these figures before that date and they may no longer apply — confirm the current terms with the provider. The next edition will re-rank this list.
VeloBank — Lokata na Nowe Środki – edycja nr 12/2026 (6 miesięcy)
A lower-scoring deposit from the same provider as entry two, with a near-term offer deadline.
- Interest rate
- 3.4%
- Rate type
- promotional
- Balance covered
- PLN 190,000
- Rate period
- 6 miesięcy
Why it ranks here
- Interest rate of 3.4%, a promotional rate
- Rate period of „6 miesięcy”
- Balance covered up to PLN 190,000
Watch out for
- Offer stated to end on 7 October 2026, after which terms may change
- Score is lower than the same provider’s other listed deposit
Credit Agricole — Lokata terminowa 12 miesięcy PLN (Nowe Pieniądze)
Lowest-ranked deposit on this list, with a standard rate and no published balance cap.
- Interest rate
- 2.8%
- Rate type
- standard
- Rate period
- 12 months
Why it ranks here
- Interest rate of 2.8%, a standard rate
- Rate period of „12 months”
Watch out for
- The provider does not publish a balance limit for this offer; readers should check Credit Agricole’s terms for any cap
- Lower score reflects both the rate level and the missing published details
Side by side
| # | Product | Interest rate | Rate type | Balance covered | Rate period | Score |
|---|---|---|---|---|---|---|
| 1 | Nest Bank — Nest Lokata Witaj 6M | 6.1% | promotional | not disclosed | 6 months | 7.6 |
| 2 | VeloBank — VeloLokata dla Aktywnych – edycja 9/2026 | 6% | promotional | PLN 50,000 | 6 miesięcy | 7.5 |
| 3 | Alior — Lokata na nowe środki w złotych 182 dni | 3.4% | standard | PLN 200,000 | 182 days | 6.4 |
| 4 | Santander Consumer Bank — Lokata 3,60% 12M | 3.6% | promotional | PLN 400,000 | 12 miesięcy | 5.9 |
| 5 | Santander Consumer Bank — Lokata 3,50% 6M | 3.5% | promotional | PLN 400,000 | 6 miesięcy | 5.8 |
| 6 | Alior — Lokata na nowe środki w złotych 365 dni | 2.8% | standard | PLN 200,000 | 365 days | 5.8 |
| 7 | VeloBank — Lokata na Nowe Środki – edycja nr 12/2026 (6 miesięcy) | 3.4% | promotional | PLN 190,000 | 6 miesięcy | 5.6 |
| 8 | Credit Agricole — Lokata terminowa 12 miesięcy PLN (Nowe Pieniądze) | 2.8% | standard | not disclosed | 12 months | 5.1 |
How we rate this ranking
Each product gets a score out of 10 from the criteria below. Figures come only from the providers’ published pages; anything we could not confirm counts against the score instead of being guessed. Commission never enters the score.
- Interest rate70%
- Amount the rate applies to15%
- Rate certainty15%
Questions
What is the difference between a promotional and a standard interest rate?
A promotional rate is offered for a limited period or under specific conditions, as flagged for each entry above. A standard rate is the provider’s ordinary rate without a time-limited promotion. Several deposits on this list, including both Alior entries, use a standard rate.
Are these deposits covered by a deposit guarantee scheme?
The two Santander Consumer Bank deposits list the BFG guarantee scheme. Other providers on this list do not have a guarantee scheme detail published here, so readers should check the provider’s own terms.
What happens when a stated offer deadline passes?
Some entries list an offer end date, such as the VeloBank edycja 9/2026 deposit and the VeloBank edycja 12/2026 deposit above. Terms after these dates are not stated here, so readers should check the provider’s current terms before relying on them.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
