Data checked 25 September 2026
This month’s comparison looks at fixed-term deposit accounts running from six to twelve months, aimed at people holding savings in PLN who want a defined return over that period.
Products are ranked using a published scoring system that weighs interest rate, rate type, and how much detail each provider discloses about balance limits and guarantees. A lower score often reflects missing published information rather than a weaker headline rate.
All figures below are taken directly from each provider’s published terms. Where a detail such as a balance cap or guarantee scheme is not published, this is stated plainly rather than assumed.
Nest Bank — Nest Lokata Witaj 6M
The highest-scoring six-month deposit in this comparison, with a clearly stated promotional rate.
- Interest rate
- 6.1%
- Rate type
- promotional
- Rate period
- 6 months
Why it ranks here
- Interest rate of 6.1%, a promotional rate for „6 months”.
- Score of 7.6/10 is the highest among the products reviewed here.
Watch out for
- No balance-covered figure is published for this account; readers should check the provider’s terms.
- As a promotional rate, it applies only for „6 months”; terms after that period should be checked directly with the provider.
VeloBank — VeloLokata dla Aktywnych – edycja 9/2026
A competitive six-month promotional deposit with a clearly stated balance cap and closing date.
- 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 for „6 miesięcy”.
- Balance covered up to PLN 50,000.
- Offer ends 4 November 2026.
Watch out for
- After the promotional period, the rate reverts to the standard 2%.
- Balances above PLN 50,000 may not be covered at the promotional rate; check the provider’s terms.
Alior — Lokata na nowe środki w złotych 182 dni
A mid-table standard-rate deposit for new funds over a six-month term.
- 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 for „182 days”.
- Balance covered up to PLN 200,000.
Watch out for
- The rate applies to new funds only; existing balances may not qualify, so check the provider’s terms.
Santander Consumer Bank — Lokata 12M
A twelve-month promotional deposit with a stated deposit 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 for „12 miesięcy”.
- Balance covered up to PLN 400,000, with the „BFG” guarantee referenced.
Watch out for
- Score of 5.9/10 sits mid-table; it is worth comparing against the shorter-term options ranked above.
Santander Consumer Bank — Lokata 6M
A six-month sibling product from the same provider, with a slightly lower rate and score.
- 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 for „6 miesięcy”.
- Balance covered up to PLN 400,000, with the „BFG” guarantee referenced.
Watch out for
- Score of 5.8/10 is lower than the twelve-month version from the same provider ranked above.
Alior — Lokata na nowe środki w złotych 365 dni
A twelve-month standard-rate deposit for new funds.
- 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 for „365 days”.
- Balance covered up to PLN 200,000.
Watch out for
- The standard rate here is lower than several shorter-term promotional deposits ranked above.
VeloBank — Lokata na Nowe Środki – edycja nr 12/2026 (6 miesięcy)
A six-month new-funds deposit with a defined balance cap and closing date, ranked lower overall.
- 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 for „6 miesięcy”.
- Balance covered up to PLN 190,000.
- Offer ends 7 October 2026.
Watch out for
- Score of 5.6/10 is lower than this provider’s other listed deposit ranked above.
Credit Agricole — Lokata terminowa 12 miesięcy PLN (Nowe Pieniądze)
The lowest-ranked entry in this comparison, with fewer published figures than the others.
- Interest rate
- 2.8%
- Rate type
- standard
- Rate period
- 12 months
Why it ranks here
- Interest rate of 2.8%, a standard rate for „12 months”.
Watch out for
- No balance-covered figure is published for this deposit; readers should check the provider’s terms.
- This product has the lowest score of the group, at 5.1/10.
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 12M | 3.6% | promotional | PLN 400,000 | 12 miesięcy | 5.9 |
| 5 | Santander Consumer Bank — Lokata 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 does a promotional rate mean for these deposits?
A promotional rate is offered for a limited, defined period stated by the provider. After that period, the rate typically reverts to a lower standard rate, so it is worth checking what applies once the promotional term ends.
Why do some deposits list a balance covered amount and others don’t?
Providers vary in how much detail they publish. Where a balance cap is not stated in the provider’s terms, this comparison notes that plainly rather than estimating a figure.
What happens when the fixed term ends?
Terms for renewal, rollover or rate changes after the fixed period vary by provider. Readers should check the specific provider’s terms and conditions for details.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
