Data checked 25 September 2026
This comparison looks at short-term deposits for new funds in Poland, aimed at savers placing money in PLN for a period of a few months. The products are ranked according to published weights that take into account interest rates, terms and other details each bank makes available.
Scores vary partly because of how much information providers publish. A bank that does not state a maximum balance covered by its rate, or does not specify whether a rate is standard or promotional, tends to score lower even if its advertised rate looks competitive.
Details below cover the interest rate, rate type, term and balance covered where published, plus any end date for promotional offers. Where a provider does not publish a figure, this article says so rather than guessing.
Alior — Lokata mobilna 99 dni
Top-ranked short-term deposit for new funds, with a standard rate over its stated term.
- Interest rate
- 4%
- Rate type
- standard
- Balance covered
- PLN 300,000
- Rate period
- 99 days
Why it ranks here
- Offers an interest rate of 4% on a standard basis.
- Covers balances of PLN 300,000.
- Runs for a term of „99 days”.
Watch out for
- The rate applies for the stated period only; readers should check the provider’s terms for what happens after „99 days”.
Nest Bank — Nest Lokata Witaj 3M
Highest advertised rate in this comparison, though offered on a promotional rather than standard basis.
- Interest rate
- 5.25%
- Rate type
- promotional
- Rate period
- 3 months
Why it ranks here
- Interest rate of 5.25%, offered on a promotional basis.
- Term of „3 months”.
Watch out for
- Nest Bank does not publish a maximum balance covered by this rate; readers should confirm this directly with the provider.
Alior — Lokata na nowe środki w złotych 92 dni
Another Alior deposit for new funds, offering a lower standard rate on a shorter term than the bank’s other listed product.
- Interest rate
- 3.3%
- Rate type
- standard
- Balance covered
- PLN 200,000
- Rate period
- 92 days
Why it ranks here
- Interest rate of 3.3%, on a standard basis.
- Covers balances of PLN 200,000.
- Term of „92 days”.
Watch out for
- The rate is lower than Alior’s other listed deposit, so the two should not be confused.
Santander Consumer Bank — Lokata mobilna nowe środki 3M
Deposit for new funds with a rate matching several other providers in this list.
- Interest rate
- 3.3%
- Balance covered
- PLN 400,000
- Rate period
- 3 months
Why it ranks here
- Interest rate of 3.3%.
- Covers balances of PLN 400,000.
- Term of „3 months”.
Watch out for
- Santander Consumer Bank does not state whether this is a standard or promotional rate; readers should check the provider’s terms.
PKO BP — Lokata na nowe środki
Standard-rate deposit for new funds, with a rate matching several other providers in this list.
- Interest rate
- 3.3%
- Rate type
- standard
- Rate period
- 3 months
Why it ranks here
- Interest rate of 3.3%, on a standard basis.
- Term of „3 months”.
Watch out for
- PKO BP does not publish a maximum balance covered by this rate.
Millennium — Lokata na Nowe Środki
Standard-rate deposit for new funds, backed by a guarantee scheme like other Polish bank deposits.
- Interest rate
- 3.2%
- Rate type
- standard
- Rate period
- 3 months
Why it ranks here
- Interest rate of 3.2%, on a standard basis.
- Term of „3 months”.
- Covered by the „BFG” guarantee scheme.
Watch out for
- Millennium does not publish a maximum balance covered by this rate.
mBank — Lokata promocyjna 3M (mKonto Intensive)
Promotional deposit tied to a specific bank account, with a rate similar to several standard offers in this list.
- Interest rate
- 3.3%
- Rate type
- promotional
- Balance covered
- PLN 200,000
- Rate period
- 3 months
Why it ranks here
- Interest rate of 3.3%, offered on a promotional basis.
- Covers balances of PLN 200,000.
- Term of „3 months”.
Watch out for
- The offer is scheduled to end on 3 February 2027; readers should confirm current availability with mBank.
VeloBank — Lokata na Nowe Środki – edycja nr 12/2026 (3 miesiące)
Lowest-ranked deposit in this comparison, offering a promotional rate on new funds for a limited period.
- 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%, on a promotional basis.
- Covers balances of PLN 190,000.
- Term of „3 miesiące”.
Watch out for
- The offer is scheduled to end on 7 October 2026; readers should confirm current availability with VeloBank.
Side by side
| # | Product | Interest rate | Rate type | Balance covered | Rate period | Score |
|---|---|---|---|---|---|---|
| 1 | Alior — Lokata mobilna 99 dni | 4% | standard | PLN 300,000 | 99 days | 7 |
| 2 | Nest Bank — Nest Lokata Witaj 3M | 5.25% | promotional | not disclosed | 3 months | 6.7 |
| 3 | Alior — Lokata na nowe środki w złotych 92 dni | 3.3% | standard | PLN 200,000 | 92 days | 6.3 |
| 4 | Santander Consumer Bank — Lokata mobilna nowe środki 3M | 3.3% | not disclosed | PLN 400,000 | 3 months | 5.5 |
| 5 | PKO BP — Lokata na nowe środki | 3.3% | standard | not disclosed | 3 months | 5.5 |
| 6 | Millennium — Lokata na Nowe Środki | 3.2% | standard | not disclosed | 3 months | 5.5 |
| 7 | mBank — Lokata promocyjna 3M (mKonto Intensive) | 3.3% | promotional | PLN 200,000 | 3 months | 5.5 |
| 8 | VeloBank — Lokata na Nowe Środki – edycja nr 12/2026 (3 miesiące) | 3.2% | promotional | PLN 190,000 | 3 miesiące | 5.4 |
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 published weights based on the interest rate, term and other details each bank makes available. Providers that do not publish full details, such as a maximum balance covered, generally score lower.
Are these deposits covered by a guarantee scheme?
Only the Millennium listing above states it is covered by the „BFG” guarantee scheme. For other providers, this comparison does not include that information, so readers should check the provider’s terms.
What happens to new funds after a promotional rate ends?
This comparison does not include that information for any of the listed deposits, so readers should check the terms of the specific offer with the provider before opening an account.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
