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Best 12-month lokata terminowa rates in Poland

Best 12-month rate per provider for a 50,000 PLN deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

3-month 6-month All tenures and amounts

Bank	Rate p.a.	Tenure	Deposit	Details	Link
BNP Paribas Bank PolskaLokata GO	0.50%≈ 250 PLN in 12 months	12 months	1,000 PLN +	Board rate From PLN 1,000; Available online, in the mobile app and in branches	Go to bank

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Deposit protection: BFG (Bankowy Fundusz Gwarancyjny, Bank Guarantee Fund)

Limit€100,000

Eligible deposits at Polish banks are covered up to the PLN equivalent of EUR 100,000 per depositor per bank. Branches of other EU banks operating in Poland are covered by their home-country scheme. Source, checked 2026-10-18.

We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.