Countries / 🇵🇱 Poland / 6-month

Best 6-month lokata terminowa rates in Poland

Best 6-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 12-month All tenures and amounts

Bank	Rate p.a.	Tenure	Deposit	Details	Link
VeloBankLokata na Nowe Środki	3.50%≈ 875 PLN in 6 months	6 months	up to 190,000 PLN	PromoFresh funds New funds only; Promotion edition 13/2026, 8.10.2026 to 12.11.2026; Up to PLN 190,000 per deposit, max 3 deposits per period; Minimum PLN 5,000 in branches	Go to bank
BNP Paribas Bank PolskaLokata GO	0.50%≈ 125 PLN in 6 months	6 months	1,000 PLN +	Board rate From PLN 1,000; Available online, in the mobile app and in branches	Go to bank

Different amount, priority tiers or fresh-funds filter? Open the full comparison.

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.