Edition: Best short-term deposits in Poland (up to 3 months) — October 2026Updated every month
Short answer: Top pick in our October 2026 ranking: Alior — Lokata mobilna 99 dni, scored 7/10. It pays 4% (standard rate) for 99 days on balances up to PLN 300,000. We compared 8 products; data checked 30 September 2026. Second place: Nest Bank — Nest Lokata Witaj 3M (6.7/10).
Best short-term deposits in Poland (up to 3 months) — October 2026 ranking
Data checked 30 September 2026
This comparison looks at short-term deposit accounts in Poland for savings placed in PLN for up to three months. It covers eight products from banks operating in Poland, ranked by a published score that takes into account the interest rate, how long that rate applies, and whether key details such as the deposit guarantee balance are disclosed by the provider.
Some of the rates shown are standard ongoing rates, while others are promotional and may apply only for a limited period or to new money placed with the bank. Where a product’s score is lower, this often reflects missing published information rather than a hidden fee or penalty.
Readers should check the current terms, conditions and any deposit minimums directly with the provider before making a decision, since offers and rates can change.
Alior — Lokata mobilna 99 dni
A standard-rate short-term deposit that takes the top spot in this comparison, subject to checking the provider’s current terms.
- Interest rate
- 4%
- Rate type
- standard
- Balance covered
- PLN 300,000
- Rate period
- 99 days
Why it ranks here
- Score of 7/10 in this comparison.
- Interest rate of 4%, listed as a standard rate for a term of „99 days”.
- Deposit guarantee covers balances of PLN 300,000.
Watch out for
- A stated minimum deposit was not published in the information reviewed, so this should be checked with Alior directly.
Nest Bank — Nest Lokata Witaj 3M
A promotional-rate deposit that ranks second in this comparison.
- Interest rate
- 5.25%
- Rate type
- promotional
- Rate period
- 3 months
Why it ranks here
- Score of 6.7/10.
- Interest rate of 5.25%, described as a promotional rate for a term of „3 months”.
Watch out for
- As a promotional rate, the qualifying conditions and how long it applies should be checked directly with Nest Bank, since this was not published in the information reviewed.
Alior — Lokata na nowe środki w złotych 92 dni
A new-money deposit from Alior with a standard rate, scoring slightly lower than the bank’s other product in this list.
- Interest rate
- 3.3%
- Rate type
- standard
- Balance covered
- PLN 200,000
- Rate period
- 92 days
Why it ranks here
- Score of 6.3/10.
- Interest rate of 3.3%, listed as a standard rate for a term of „92 days”.
- Deposit guarantee covers balances of PLN 200,000.
Watch out for
- Being a new-money offer, eligibility conditions should be checked with Alior directly.
Santander Consumer Bank — Lokata 3,30% 3M
A promotional deposit covered by the BFG guarantee scheme, level on score with several other products in this comparison.
- Interest rate
- 3.3%
- Rate type
- promotional
- Balance covered
- PLN 400,000
- Rate period
- 3 miesiące
Why it ranks here
- Score of 5.5/10.
- Interest rate of 3.3%, described as a promotional rate for a term of „3 miesiące”.
- Deposit guarantee covers balances of PLN 400,000, backed by the „BFG” scheme.
Watch out for
- As a promotional offer, how long the rate applies and any renewal terms should be checked directly with Santander Consumer Bank.
PKO BP — Lokata na nowe środki
A standard-rate new-money deposit from PKO BP with a mid-table score in this comparison.
- Interest rate
- 3.3%
- Rate type
- standard
- Rate period
- 3 months
Why it ranks here
- Score of 5.5/10.
- Interest rate of 3.3%, listed as a standard rate for a term of „3 months”.
Watch out for
- The balance covered by the deposit guarantee scheme was not published in the information reviewed, which counts against the score here.
Millennium — Lokata na Nowe Środki
A standard-rate new-money deposit covered by the BFG scheme, scoring level with several comparable products.
- Interest rate
- 3.2%
- Rate type
- standard
- Rate period
- 3 months
Why it ranks here
- Score of 5.5/10.
- Interest rate of 3.2%, listed as a standard rate for a term of „3 months”, backed by the „BFG” guarantee.
Watch out for
- The specific balance covered by the guarantee was not published in the information reviewed.
mBank — Lokata promocyjna 3M
A promotional deposit from mBank with a stated end date for the offer.
- Interest rate
- 3.3%
- Rate type
- promotional
- Balance covered
- PLN 200,000
- Rate period
- 3 miesiące
Why it ranks here
- Score of 5.5/10.
- Interest rate of 3.3%, described as a promotional rate for a term of „3 miesiące”.
- Deposit guarantee covers balances of PLN 200,000.
Watch out for
- The offer is stated to end on 3 February 2027, so current availability should be confirmed with mBank.
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 (3 miesiące)
A promotional new-money deposit with the lowest score among the products compared here.
- Interest rate
- 3.2%
- Rate type
- promotional
- Balance covered
- PLN 190,000
- Rate period
- 3 miesiące
Why it ranks here
- Score of 5.4/10.
- Interest rate of 3.2%, described as a promotional rate for a term of „3 miesiące”.
- Deposit guarantee covers balances of PLN 190,000.
Watch out for
- The offer is stated to end on 7 October 2026, so current availability should be confirmed 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 3,30% 3M | 3.3% | promotional | PLN 400,000 | 3 miesiące | 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 | 3.3% | promotional | PLN 200,000 | 3 miesiące | 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 ‘up to three months’ mean for these deposits?
It refers to fixed-term deposits of roughly three months, as shown by the terms listed for each product, such as „3 months” or „3 miesiące”.
Are these savings protected if a bank fails?
Some products reviewed state cover under the „BFG” or „BFG” deposit guarantee scheme; for others, this detail was not published, so it should be checked with the provider.
Why do some rates look higher than others?
Higher figures, such as 5.25% or 3.2%, are often promotional rates that apply for a limited period or to new money only, rather than ongoing standard rates, so conditions should be checked with the provider.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
