Compare Fixed Deposits in Poland

Compare fixed deposit rates in PL.

20 live fixed deposits offers tracked across 11 Poland providers. Data current as of 23 October 2026 and updated daily from the Giraffy database.

Live offers

20 live offers compared from 11 providers. Updated daily.

ING Lokata 3M ING Bank Śląski

PLN 0

  • Interest Rate: 4.5% p.a.
  • Term: 3 months
  • Min Deposit: 500 PLN

Alior Lokata 12M Alior Bank

PLN 0

  • Interest Rate: 5.9% p.a.
  • Term: 12 months
  • Min Deposit: 500 PLN

BNP Paribas Lokata 12M BNP Paribas Poland

PLN 0

  • Interest Rate: 5.5% p.a.
  • Term: 12 months
  • Min Deposit: 1000 PLN

Nest Lokata 12M Nest Bank

PLN 0

  • Interest Rate: 6% p.a.
  • Term: 12 months
  • Min Deposit: 500 PLN

Pekao Lokata Terminowa 12M Bank Pekao

PLN 0

  • Interest Rate: 5.8% p.a.
  • Term: 12 months
  • Min Deposit: 1000 PLN

PKO Lokata Standard 3M PKO Bank Polski

PLN 0

  • Interest Rate: 4.5% p.a.
  • Term: 3 months
  • Min Deposit: 500 PLN

PKO Lokata Standard 6M PKO Bank Polski

PLN 0

  • Interest Rate: 5% p.a.
  • Term: 6 months
  • Min Deposit: 500 PLN

mBank Lokata Online 12M mBank

PLN 0

  • Interest Rate: 5.75% p.a.
  • Term: 12 months
  • Min Deposit: 500 PLN

Bank Pocztowy Lokata 12M Bank Pocztowy

PLN 0

  • Interest Rate: 5.3% p.a.
  • Term: 12 months
  • Min Deposit: 500 PLN

Santander Lokata 6M Santander Poland

PLN 0

  • Interest Rate: 5.1% p.a.
  • Term: 6 months
  • Min Deposit: 1000 PLN

PKO Lokata Standard 12M PKO Bank Polski

PLN 0

  • Interest Rate: 5.5% p.a.
  • Term: 12 months
  • Min Deposit: 500 PLN

Nest Lokata 3M Nest Bank

PLN 0

  • Interest Rate: 5% p.a.
  • Term: 3 months
  • Min Deposit: 500 PLN

Millennium Lokata 6M Bank Millennium

PLN 0

  • Interest Rate: 5% p.a.
  • Term: 6 months
  • Min Deposit: 1000 PLN

Santander Lokata 12M Santander Poland

PLN 0

  • Interest Rate: 5.6% p.a.
  • Term: 12 months
  • Min Deposit: 1000 PLN

ING Lokata 12M ING Bank Śląski

PLN 0

  • Interest Rate: 5.5% p.a.
  • Term: 12 months
  • Min Deposit: 500 PLN

CA Lokata Terminowa 12M Credit Agricole Poland

PLN 0

  • Interest Rate: 5.4% p.a.
  • Term: 12 months
  • Min Deposit: 500 PLN

Millennium Lokata 12M Bank Millennium

PLN 0

  • Interest Rate: 5.5% p.a.
  • Term: 12 months
  • Min Deposit: 1000 PLN

mBank Lokata Online 6M mBank

PLN 0

  • Interest Rate: 5.2% p.a.
  • Term: 6 months
  • Min Deposit: 500 PLN

Alior Lokata 6M Alior Bank

PLN 0

  • Interest Rate: 5.4% p.a.
  • Term: 6 months
  • Min Deposit: 500 PLN

Pekao Lokata Terminowa 6M Bank Pekao

PLN 0

  • Interest Rate: 5.25% p.a.
  • Term: 6 months
  • Min Deposit: 1000 PLN

What is a Fixed Deposit in Poland?

A fixed deposit, known in Poland as a lokata terminowa, is a savings product where you lock a sum of money with a bank for an agreed term at an agreed interest rate. In return for committing the funds you usually earn a higher, guaranteed rate than an open savings account. Terms range from a month to a few years, and interest is paid at maturity or periodically. Withdrawing early typically forfeits some or all of the accrued interest.

How the Polish market works

Deposit rates in Poland move with the National Bank of Poland's reference rate, so headline offers rise and fall with monetary policy. Banks compete hard for new money, often reserving the best rates for fresh funds or new customers and for shorter promotional terms. Both fixed-rate and variable-rate deposits exist, and many banks run online-only lokaty with better rates than branch products. Interest is subject to the flat capital-gains tax (podatek Belki), which the bank withholds automatically.

Benefits

Guaranteed return — A fixed-rate deposit locks your interest rate for the whole term regardless of market moves.

Higher than instant savings — Committing your money usually earns more than an easy-access account.

Capital security — Your principal is protected and returned in full at maturity.

Discipline — Locking funds away removes the temptation to spend and helps you save toward a goal.

How to choose

Compare the annual interest rate but check whether it is promotional, capped by a maximum balance, or reserved for new funds. Match the term to when you will need the money, since early withdrawal usually cancels the interest. Note how and when interest is paid, whether the deposit renews automatically at a lower standard rate, and always compare the net return after the Belka capital-gains tax.

Leading providers in Poland

PKO Bank Polski, Bank Pekao, Santander Poland, ING Bank Śląski, mBank, Bank Millennium and Alior Bank all offer a range of fixed deposits, frequently with new-money promotions. Nest Bank and other smaller or online-focused banks often top the rate tables to attract deposits. Because leaders change with each promotion, comparing current offers matters more than brand loyalty.

What it costs

A fixed deposit has no purchase price; the relevant figures are the interest rate earned and any conditions attached, so the brief lists no cost range. The main deductions are the flat capital-gains tax on interest and the opportunity cost of locking funds. Watch for minimum and maximum deposit amounts and for standard (lower) rates applied if the deposit rolls over automatically. A daily lokata or shorter promotional term can be useful for parking money you may soon need while still earning more than a current account.

Protections and regulation

Banks are licensed and supervised by the Polish Financial Supervision Authority (KNF). Deposits, including fixed deposits, are guaranteed by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor per bank. Interest is taxed at the flat capital-gains rate withheld at source. Consumer protection and dispute resolution fall to the Financial Ombudsman (Rzecznik Finansowy) and UOKiK.

Common questions

What happens if I withdraw early? You usually lose the accrued interest, though your principal is returned in full.

Is my money safe? Yes. The BFG guarantees deposits up to EUR 100,000 equivalent per bank.

Why is the best rate only for new money? Banks use promotional rates on fresh funds to attract deposits; existing balances may earn less.

Is the interest taxed? Yes. The flat capital-gains tax, known as the Belka tax, is withheld automatically by the bank, so compare net returns.

Fixed-Rate Deposits in Poland — FAQ

What is the best fixed deposit rate in Poland right now?

Giraffy tracks 20 fixed-rate deposit accounts across 11 banks in Poland. Sort by highest rate and compare term lengths to see which account suits your timeline.

What is a fixed-rate deposit and how does it work?

A fixed-rate deposit (also called a fixed-term bond or term deposit) locks your money away for a set period — typically 3 months to 5 years — in exchange for a guaranteed interest rate. You agree the rate upfront, so rising or falling market rates don't change your return.

Are fixed deposits safe?

Yes — the BFG (Bankowy Fundusz Gwarancyjny) protects up to the equivalent of €100,000 per depositor, per bank. Fixed deposits at KNF-regulated institutions are typically among the lowest-risk savings options available. Rates are guaranteed; your principal and interest are protected up to the scheme limit.

Can I withdraw money early from a fixed deposit?

Most fixed deposits penalise early withdrawal — typically forfeiting 30–180 days of interest, depending on the institution and term length. Some accounts don't allow withdrawal at all before maturity. Check the early-exit penalty before locking in a large sum.

What is the difference between a fixed deposit and an easy-access savings account?

Fixed deposits pay a higher rate in exchange for locking your money away for a defined term. Easy-access accounts let you withdraw any time but pay a lower variable rate. If you have a cash lump sum you won't need for 6–24 months, a fixed deposit typically earns more.

What happens at the end of a fixed deposit term?

At maturity, most banks automatically roll your deposit into a new term at the prevailing rate — which may be higher or lower than your original deal. Set a diary reminder to review and re-compare rates before auto-renewal if you want to ensure you get the best rate available.

How are fixed deposit rates set in Poland?

Fixed deposit rates are closely linked to the central bank's benchmark rate. When the Polish Financial Supervision Authority (KNF) raises rates, banks tend to offer higher deposit returns — and vice versa. Comparing regularly helps you catch rate rises before banks reduce their offers.