Countries / 🇵🇱 Poland

Best lokata terminowa rates in Poland

PLN lokata terminowa rates from 2 providers, read directly from each bank's website every day, plus 7 more providers to check. Sorted by rate; no paid rankings.

Last checked 18 Oct 2026, 05:37 UTC · all 9 providers

Best 3-month rate

3.20% p.a.

VeloBank

Promo · fresh funds

Best 6-month rate

3.50% p.a.

VeloBank

Promo · fresh funds

Best 12-month rate

0.50% p.a.

BNP Paribas Bank Polska

Board rate · min 1,000 PLN

Best rate for a 50,000 PLN deposit, open to any customer. Promotions can end early; confirm with the bank.

Compare lokata terminowa rates

Tenure
Rate type
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1 banks with a 12-month rate for 50,000 PLN

BankRate p.a.TenureDepositDetailsLink
BNP Paribas Bank PolskaLokata GO0.50%≈ 250 PLN in 12 months12 months1,000 PLN +Board rate
From PLN 1,000; Available online, in the mobile app and in branches
Go to bank

"Fresh funds" means money brought in from another bank. Board rates are standing rates; promos are time-limited. How we collect and check rates.

How is this list ordered?

By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.

Plan your deposit

Best rate by term

1 months: 0.50% at BNP Paribas Bank Polska0.50%1-month2 months: 3.00% at VeloBank3.00%2-month3 months: 3.20% at VeloBank3.20%3-month6 months: 3.50% at VeloBank3.50%6-month12 months: 0.50% at BNP Paribas Bank Polska0.50%12-month

Best rate open to any customer for 50,000 PLN at each term, from today's verified offers. Hover a point for the 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.

More lokata terminowa providers in Poland

We list these providers but do not read their rates automatically yet, so we never show a number for them. Check the rate on the bank's own page. Know a bank we should read? Suggest it.

Questions about deposits in Poland

What is the best 12-month lokata terminowa rate in Poland today?

0.50% p.a. at BNP Paribas Bank Polska (minimum deposit: 1,000 PLN), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

What is the best 6-month lokata terminowa rate in Poland today?

3.50% p.a. at VeloBank (minimum deposit: Not stated), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

Are lokata terminowas in Poland protected?

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.

How many banks do you compare in Poland?

We list 9 providers. Rates for 2 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.

Deposit rates in nearby countries

🇹🇷 Turkey🇩🇪 Germany🇬🇧 United Kingdom🇫🇷 France🇮🇹 Italy🇪🇸 Spain🇳🇱 Netherlands🇧🇪 Belgium

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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.