Data checked 23 September 2026
This roundup looks at five fixed-term PLN deposits from Polish banks, covering both six-month and twelve-month terms. It is aimed at savers who want to place money for around half a year to a year without needing access to it in the meantime.
The ranking order below is fixed and based on published weightings that combine interest rate, rate type, deposit conditions and how much information each provider makes public. A lower position does not always mean a worse rate — sometimes it reflects a bank publishing fewer details, which counts against the overall score.
As with any deposit account, the exact terms, minimum deposit and how the guarantee scheme applies should be confirmed directly with the provider before opening an account.
VeloBank — Lokata na Nowe Środki 6M
VeloBank’s six-month new-money deposit tops this list with the highest score and a promotional rate that beats the other providers covered here.
- 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% on a „6 miesięcy” term, described as a promotional rate
- Balance covered under this offer is stated as PLN 190,000
- Deposits fall under the „BFG” guarantee scheme, as with the other accounts on this list
Watch out for
- The rate is promotional (promotional), so it may not continue at this level once the „6 miesięcy” period ends — check VeloBank’s terms for what happens after that
- Only balances up to the stated PLN 190,000 appear to be covered under this specific offer
BNP Paribas — Lokata na Nowe Środki 12M
BNP Paribas’s twelve-month new-money deposit offers a promotional rate of 3%, placing it second in this list.
- Interest rate
- 3%
- Rate type
- promotional
- Balance covered
- not published
- Rate period
- not published
Why it ranks here
- Interest rate of 3% on a twelve-month term
- Rate is described as promotional, meaning it is a limited-time offer rather than a standing rate
- Term length of twelve months suits savers who do not need the funds sooner
Watch out for
- BNP Paribas does not publish a stated covered balance or guarantee detail for this product in the information reviewed, which should be confirmed with the bank directly
- As a promotional rate (promotional), the terms after the initial period are not specified here — check with the provider
BNP Paribas — Lokata na Nowe Środki 6M
BNP Paribas also offers a six-month version of its new-money deposit at the same promotional rate as its twelve-month product.
- Interest rate
- 3%
- Rate type
- promotional
- Balance covered
- not published
- Rate period
- not published
Why it ranks here
- Interest rate of 3% on a six-month term
- Rate is described as promotional, matching the twelve-month version from the same provider
- Shorter term may suit savers wanting funds back sooner than a year
Watch out for
- No published guarantee or covered-balance figure was found for this product; readers should check BNP Paribas’s terms directly
- Being a promotional rate, it is not guaranteed to continue beyond the offer period stated by the bank
Erste — Lokata terminowa 12M
Erste’s twelve-month deposit carries a standard rather than promotional rate, and its lower score partly reflects fewer published details.
- Interest rate
- 1.5%
- Rate type
- standard
- Balance covered
- not published
- Rate period
- not published
Why it ranks here
- Interest rate of 1.5% on a twelve-month term, described as a standard rate
- Deposits fall under the „BFG” guarantee scheme
- A standard rate type may mean more rate stability compared with promotional offers, though this is not stated explicitly by the provider
Watch out for
- No covered-balance figure was published for this product; this gap in published information is reflected in its lower score
- The interest rate is notably lower than the promotional offers ranked above
Erste — Lokata terminowa 6M
Erste’s six-month deposit sits last in this list, with the lowest score and the lowest rate among the five products covered.
- Interest rate
- 1.25%
- Rate type
- standard
- Balance covered
- not published
- Rate period
- not published
Why it ranks here
- Interest rate of 1.25% on a six-month term, described as a standard rate
- Deposits fall under the „BFG” guarantee scheme
- Standard rate type, unlike the promotional offers from VeloBank and BNP Paribas
Watch out for
- No covered-balance figure was published for this product, which contributes to its lower overall score
- The rate of 1.25% is the lowest among the products compared here
Side by side
| # | Product | Interest rate | Rate type | Balance covered | Rate period | Score |
|---|---|---|---|---|---|---|
| 1 | VeloBank — Lokata na Nowe Środki 6M | 3.4% | promotional | PLN 190,000 | 6 miesięcy | 5.6 |
| 2 | BNP Paribas — Lokata na Nowe Środki 12M | 3% | promotional | not published | not published | 4.5 |
| 3 | BNP Paribas — Lokata na Nowe Środki 6M | 3% | promotional | not published | not published | 4.5 |
| 4 | Erste — Lokata terminowa 12M | 1.5% | standard | not published | not published | 3.8 |
| 5 | Erste — Lokata terminowa 6M | 1.25% | standard | not published | not published | 3.5 |
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, as used for the VeloBank and BNP Paribas products here, is typically offered for a limited period or under specific conditions such as new funds. What happens to the rate after that period is not detailed in the information reviewed, so it is worth checking the provider’s terms.
Are these deposits protected if the bank fails?
The VeloBank and Erste products listed state coverage under the „BFG”, „BFG” and „BFG” guarantee scheme respectively. BNP Paribas’s products did not have a published guarantee detail in the information reviewed, so this should be confirmed with the bank.
Should I choose a six-month or twelve-month term?
This depends on when the funds might be needed. The comparison here includes both six-month and twelve-month versions from BNP Paribas and Erste, so readers can compare rates and terms side by side before deciding.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
