Short-term Deposits Ranking 2026 — Best Interest Rates up to 12 Months

Best Short-term Deposits in Poland — February 2026

Short-term deposits (1-12 months) are an ideal solution for those wanting to earn more than savings accounts while maintaining relatively quick access to funds. In the current market situation (February 2026), the best deposits offer interest rates of 4.2-6.8% per annum.

Key advantages of short-term deposits:

• Higher interest rates than savings accounts
• BFG guarantee up to 100,000 PLN
• Predictable return on investment
• Ability to reinvest every few months

This ranking includes only deposits available to new customers with minimum deposits up to 50,000 PLN.

🏆 TOP 12 — Best Short-term Deposits 2026

1. 🥇 Credit Agricole Welcome Deposit — 6.80% (3 months)

Best for: New customers seeking the highest interest rate

Parameters:

• Interest rate: 6.80% per annum
• Period: 3 months
• Minimum deposit: 1,000 PLN
• Maximum amount: 200,000 PLN
• Automatic renewal: No (at basic interest rate)

Conditions:

• Only for new bank customers
• No early withdrawal possible
• Interest paid at end of period
• Can be set up online

Profit calculation:

• 10,000 PLN × 6.80% × (3/12) = 170 PLN profit
• 50,000 PLN × 6.80% × (3/12) = 850 PLN profit

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2. 🥈 Alior Bank SuperDeposit — 6.50% (6 months)

Best for: Customers seeking good interest rate for longer period

Parameters:

• Interest rate: 6.50% per annum
• Period: 6 months
• Minimum deposit: 5,000 PLN
• Maximum amount: 100,000 PLN
• Automatic renewal: Yes (at current interest rate)

Conditions:

• Available to all customers
• Early withdrawal possible (loss of interest)
• Interest compounded monthly
• Can be set up through electronic banking

Profit calculation:

• 10,000 PLN × 6.50% × (6/12) = 325 PLN profit
• 50,000 PLN × 6.50% × (6/12) = 1,625 PLN profit

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3. 🥉 Nest Bank Promotional Deposit — 6.30% (12 months)

Best for: People planning longer-term savings with high interest rate

Parameters:

• Interest rate: 6.30% per annum
• Period: 12 months
• Minimum deposit: 2,000 PLN
• Maximum amount: 500,000 PLN
• Automatic renewal: No

Conditions:

• Promotion for new and existing customers
• No early withdrawal possible
• Interest paid monthly or at end
• Setup only at branch

Profit calculation:

• 10,000 PLN × 6.30% = 630 PLN profit
• 50,000 PLN × 6.30% = 3,150 PLN profit

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4. PKO BP Four Seasons Deposit — 6.00% (3 months)

Best for: PKO customers seeking short savings period

Parameters:

• Interest rate: 6.00% per annum
• Period: 3 months with extension possibility
• Minimum deposit: 1,000 PLN
• Maximum amount: 50,000 PLN
• Automatic renewal: Yes (on new terms)

Conditions:

• Available to PKO BP customers
• Early withdrawal possible (penalty: loss of half interest)
• Interest paid at end of period
• Setup via iPKO or branch

Profit calculation:

• 10,000 PLN × 6.00% × (3/12) = 150 PLN profit
• 50,000 PLN × 6.00% × (3/12) = 750 PLN profit

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5. mBank MAX Deposit — 5.80% (6 months)

Best for: mBank customers with quick online access

Parameters:

• Interest rate: 5.80% per annum
• Period: 6 months
• Minimum deposit: 10,000 PLN
• Maximum amount: 250,000 PLN
• Automatic renewal: At standard interest rate

Conditions:

• Available to mBank customers
• Early withdrawal possible (loss of last 30 days interest)
• Monthly interest compounding
• Setup via mobile app or website

Profit calculation:

• 10,000 PLN × 5.80% × (6/12) = 290 PLN profit
• 50,000 PLN × 5.80% × (6/12) = 1,450 PLN profit

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6. ING Bank Śląski Welcome Deposit — 5.60% (4 months)

Best for: New ING customers seeking medium-term deposit

Parameters:

• Interest rate: 5.60% per annum
• Period: 4 months
• Minimum deposit: 2,000 PLN
• Maximum amount: 100,000 PLN
• Automatic renewal: No

Conditions:

• Only for new ING customers
• No early withdrawal possible
• Interest paid at end of period
• Setup online or at branch

Profit calculation:

• 10,000 PLN × 5.60% × (4/12) = 187 PLN profit
• 50,000 PLN × 5.60% × (4/12) = 933 PLN profit

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7. Santander Consumer Bank Flexible Deposit — 5.50% (9 months)

Best for: People seeking compromise between interest rate and flexibility

Parameters:

• Interest rate: 5.50% per annum
• Period: 9 months
• Minimum deposit: 5,000 PLN
• Maximum amount: 200,000 PLN
• Automatic renewal: Yes

Conditions:

• Available to all customers
• Early withdrawal possible after 3 months (1% penalty on amount)
• Quarterly interest compounding
• Setup online or at branch

Profit calculation:

• 10,000 PLN × 5.50% × (9/12) = 412 PLN profit
• 50,000 PLN × 5.50% × (9/12) = 2,063 PLN profit

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8. BNP Paribas Progressive Deposit — 5.30% (12 months)

Best for: Customers preferring stable interest rate throughout the year

Parameters:

• Interest rate: 5.30% per annum
• Period: 12 months
• Minimum deposit: 1,000 PLN
• Maximum amount: 150,000 PLN
• Automatic renewal: On new terms

Conditions:

• Available to BNP Paribas customers
• No early withdrawal possible
• Interest paid monthly
• Setup via internet banking

Profit calculation:

• 10,000 PLN × 5.30% = 530 PLN profit
• 50,000 PLN × 5.30% = 2,650 PLN profit

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9. Millennium Bank Comfort Deposit — 5.20% (8 months)

Best for: Millennium customers preferring medium-term savings

Parameters:

• Interest rate: 5.20% per annum
• Period: 8 months
• Minimum deposit: 3,000 PLN
• Maximum amount: 300,000 PLN
• Automatic renewal: Yes (at basic interest rate)

Conditions:

• Available to bank customers
• Partial withdrawal possible (min. leave 3,000 PLN)
• Monthly interest compounding
• Setup at branch or via Millenet

Profit calculation:

• 10,000 PLN × 5.20% × (8/12) = 347 PLN profit
• 50,000 PLN × 5.20% × (8/12) = 1,733 PLN profit

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10. Pekao SA Standard Plus Deposit — 5.00% (6 months)

Best for: Pekao customers seeking proven solution

Parameters:

• Interest rate: 5.00% per annum
• Period: 6 months
• Minimum deposit: 5,000 PLN
• Maximum amount: 100,000 PLN
• Automatic renewal: At current interest rate

Conditions:

• Available to Pekao SA customers
• Early withdrawal possible (loss of last month's interest)
• Interest paid at end of period
• Setup via PeoPay or branch

Profit calculation:

• 10,000 PLN × 5.00% × (6/12) = 250 PLN profit
• 50,000 PLN × 5.00% × (6/12) = 1,250 PLN profit

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11. Getin Noble Bank Standard Deposit — 4.80% (12 months)

Best for: Customers seeking long-term stability

Parameters:

• Interest rate: 4.80% per annum
• Period: 12 months
• Minimum deposit: 1,000 PLN
• Maximum amount: 200,000 PLN
• Automatic renewal: Yes

Conditions:

• Available to all customers
• No early withdrawal possible
• Annual interest compounding
• Setup online or at branch

Profit calculation:

• 10,000 PLN × 4.80% = 480 PLN profit
• 50,000 PLN × 4.80% = 2,400 PLN profit

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12. VeloBank Simple Deposit — 4.50% (3 months)

Best for: Customers preferring simpler banking products

Parameters:

• Interest rate: 4.50% per annum
• Period: 3 months
• Minimum deposit: 2,000 PLN
• Maximum amount: 75,000 PLN
• Automatic renewal: On new terms

Conditions:

• Available to VeloBank customers
• Early withdrawal possible (no penalties but loss of interest)
• Interest paid at end of period
• Setup via mobile app

Profit calculation:

• 10,000 PLN × 4.50% × (3/12) = 112 PLN profit
• 50,000 PLN × 4.50% × (3/12) = 563 PLN profit

📊 Best Offers Comparison

🎯 Short-term Deposit Optimization Strategy

Laddering Strategy

1. Divide capital into 3-4 parts
2. Deposit for different periods (3, 6, 9, 12 months)
3. Reinvest funds in the best offer available at withdrawal time
4. Maintain continuity — every 3 months you have access to part of capital

Example for 40,000 PLN:

• 10,000 PLN for 3 months (Credit Agricole 6.80%)
• 10,000 PLN for 6 months (Alior 6.50%)
• 10,000 PLN for 9 months (Santander 5.50%)
• 10,000 PLN for 12 months (Nest Bank 6.30%)

Automatic Reinvestment

Freenance can track your deposit maturity dates and remind you of the best current offers for reinvestment.

💡 Key Trends in Deposits 2026

1. Interest rates follow NBP rates After interest rate increases in 2025, deposits offer the highest rates in a decade.

2. Shorter promotional periods Banks offer high interest rates for increasingly shorter periods (1-6 months).

3. Amount limits Best offers have amount limitations — rarely above 200,000 PLN.

4. Process digitization Most deposits can be set up online without branch visit.

5. Offer personalization Banks offer different interest rates depending on customer history.

⚠️ What to Check Before Opening a Deposit

Check Details

• Early withdrawal conditions — whether possible, what penalties
• Automatic renewal — on what terms
• Interest payout method — at end or compounded
• Time limits — until when promotion is valid

Interest Tax

• 19% Belka tax — automatically collected by bank
• Exemption up to 1,000 PLN interest annually (for people under 26)
• Calculate net profit — subtract 19% tax from interest

BFG Guarantee

• Protection up to 100,000 PLN per bank
• Sum of all funds in bank (accounts + deposits)
• Diversification — spread larger amounts across several banks

📱 How Freenance Helps with Deposit Management

Maturity Monitoring:

• Automatic reminders about approaching maturity dates
• Comparison of current best offers for reinvestment
• Optimal laddering strategy calculation

Profitability Analysis:

• Comparison of actual profit from different deposits
• Including Belka tax in calculations
• Capital allocation optimization

History and Trends:

• Tracking interest rate changes over time
• Past decision effectiveness analysis
• Future interest rate trend forecasting

The best strategy in 2026 is a combination of highest-interest short-term deposits with flexible reinvestment depending on current market offers.