Data checked 23 September 2026
This roundup looks at short-term PLN deposits of up to three months from banks operating in Poland. The list is ranked by a fixed scoring system that weighs the published interest rate, how clearly the rate and conditions are disclosed, and whether deposit protection details are stated.
Several of the offers below apply only to new funds brought into the account, and scores are lower where a provider does not publish clear details on deposit guarantee cover or balance limits. Where information is missing, this is noted rather than guessed at.
Readers should check each provider’s current terms sheet before comparing products, since promotional conditions and eligible balances can change between offer periods.
VeloBank — Lokata na Nowe Środki 3M
VeloBank’s three-month deposit for new funds tops this list, combining the highest rate on offer with published cover details.
- Interest rate
- 3.2%
- Rate type
- promotional
- Balance covered
- PLN 190,000
- Rate period
- 3 miesiące
Why it ranks here
- Interest rate of 3.2%, described as a promotional rate for the „3 miesiące” period
- Covers balances up to PLN 190,000, under the „BFG” deposit guarantee scheme
Watch out for
- As a promotional rate, it may apply only to money newly deposited rather than existing balances — check the provider’s terms
- The fixed „3 miesiące” term suggests withdrawing early could affect interest; confirm this directly with VeloBank
VeloBank — Lokata na Nowe Środki 2M
VeloBank’s shorter two-month version offers a slightly lower rate than its three-month sibling but keeps the same guarantee structure.
- Interest rate
- 3%
- Rate type
- promotional
- Balance covered
- PLN 190,000
- Rate period
- 2 miesiące
Why it ranks here
- Interest rate of 3%, again a promotional rate for the „2 miesiące” period
- Balance cover up to PLN 190,000, under the „BFG” guarantee scheme
Watch out for
- The promotional nature of the rate means eligibility criteria for new funds should be checked before opening
BNP Paribas — Lokata na Nowe Środki 3M
BNP Paribas’s three-month new-funds deposit offers a competitive rate but publishes less supporting detail than the VeloBank options.
- Interest rate
- 3%
- Rate type
- promotional
- Balance covered
- not published
- Rate period
- not published
Why it ranks here
- Interest rate of 3%, listed as a promotional rate
Watch out for
- No published figure for balance cover or deposit guarantee scheme was found for this product — this lack of disclosure is reflected in its lower score
- Readers should check BNP Paribas’s terms directly for cover limits and eligibility conditions
Erste — Lokata terminowa 3M
Erste’s three-month deposit uses a standard, non-promotional rate that is noticeably lower than the top three entries.
- Interest rate
- 1%
- Rate type
- standard
- Balance covered
- not published
- Rate period
- not published
Why it ranks here
- Interest rate of 1%, described as a standard rate
- Guarantee cover under the „BFG” scheme is stated
Watch out for
- Being a standard rate rather than a promotional one, it may not require new funds, but the rate itself is comparatively low
Credit Agricole — Lokata terminowa 30 dni (Oferta standardowa)
Credit Agricole’s standard thirty-day deposit sits near the bottom of this list, with a modest rate and limited published detail.
- Interest rate
- 0.75%
- Rate type
- not published
- Balance covered
- not published
- Rate period
- not published
Why it ranks here
- Interest rate of 0.75%
- Guarantee cover under the „BFG” scheme is stated
Watch out for
- No rate type is specified, so it is unclear whether this is a promotional or ongoing standard offer — check with the provider
- The rate is considerably lower than the top-ranked options in this list
BNP Paribas — Lokata GO 1M
BNP Paribas’s one-month GO deposit ranks lowest here, with the smallest published rate and the least disclosed detail.
- Interest rate
- 0.5%
- Rate type
- not published
- Balance covered
- not published
- Rate period
- not published
Why it ranks here
- Interest rate of 0.5%
Watch out for
- No rate type, balance limit, or guarantee scheme detail was published for this product, which weighs against its score
- Readers should check BNP Paribas’s terms directly before considering this option
Side by side
| # | Product | Interest rate | Rate type | Balance covered | Rate period | Score |
|---|---|---|---|---|---|---|
| 1 | VeloBank — Lokata na Nowe Środki 3M | 3.2% | promotional | PLN 190,000 | 3 miesiące | 5.4 |
| 2 | VeloBank — Lokata na Nowe Środki 2M | 3% | promotional | PLN 190,000 | 2 miesiące | 5.2 |
| 3 | BNP Paribas — Lokata na Nowe Środki 3M | 3% | promotional | not published | not published | 4.5 |
| 4 | Erste — Lokata terminowa 3M | 1% | standard | not published | not published | 3.2 |
| 5 | Credit Agricole — Lokata terminowa 30 dni (Oferta standardowa) | 0.75% | not published | not published | not published | 2.3 |
| 6 | BNP Paribas — Lokata GO 1M | 0.5% | not published | not published | not published | 2 |
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 the score for each deposit mean?
The score reflects a fixed weighting of the published interest rate together with how much detail the provider discloses, such as balance limits and guarantee scheme information. Products that publish less information score lower even if the rate looks competitive.
Are all these deposits covered by a deposit guarantee scheme?
Several products in this list state cover under the BFG scheme, referenced here as „BFG”, „BFG”, „BFG” and „BFG”. For the BNP Paribas products, no guarantee scheme detail was published, so this should be confirmed directly with the provider.
Why are some rates described as promotional rather than standard?
A promotional rate, as seen with the VeloBank and BNP Paribas three-month offers, typically applies under specific conditions such as depositing new funds. Standard rates, like Erste’s, may apply more generally, but exact eligibility should always be checked in the provider’s terms.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
