The best deposits at the Polish Bank

A deposit for new funds is a deposit for which you only need to have 1,000 zlotys. The bank has not specified the maximum amount on this deposit. The offers are directed to all their clients who do not even need to set up a personal account in the bank.

It can be created in two ways

It can be created in two ways

Either online or via a mobile application. We can count on fixed interest and capitalization of interest at the end of the deposit period. The deposit can be established for a period of three months and it is worth knowing that it may bear interest at either 1.7% or 1.4% per annum.

By depositing PLN 10,000, we’ll earn PLN 33.95 at a higher interest rate, and earn PLN 27.96 at a lower rate. Breaking the deposit ahead of time will cause you to completely lose all accumulated interest. Our paid contribution is covered by the BFG guarantee.

Term deposit 

A term deposit is another of the deposit offers at Bank E-Money that we will establish from a minimum PLN 1,000. It can be set up by all bank customers, but only if they have a personal account there. We can set it up via the mobile application or online. Here, too, we can count on fixed interest and capitalization of interest at the end of the period. The consequence of breaking the deposit ahead of time is also the total loss of interest. This deposit, like the previous one, is covered by the BFG guarantee.

By setting up a term deposit at Bank E-Money and paying PLN 10,000 for three months, the bank may offer an interest rate of 0.8% per annum. This will give us a net profit of PLN 15.98. In the event that we want to set up the same deposit, with the same deposit, but for a period of one month, the interest rate offered by the bank will be 0.7% per annum. We will earn 4.66 zlotys on this deposit.

The interest rate on a monthly deposit may also be 0.4% per annum, which will give us a net profit of PLN 2.66. The interest rate depends on the bank and the client the bank is dealing with. You can earn more on a term deposit if the amount you pay into it is large and if the duration of the deposit will also be longer.

Best deposits in Loan and Credit Polbank

The Standard Term Deposit is the first of the Loan and Credit Polbank proposals we will check. The range of amounts at this deposit starts from PLN 3,000. As for the maximum amount on the deposit, it is not clearly determined and the bank sets it individually. The bank has prepared this offer for new and existing customers who will set up an account with the bank. A deposit can be opened by visiting a bank branch.

The total loss of interest is a consequence of the deposit being broken prematurely. They set up a standard term deposit for three months, with a deposit of PLN 10,000, the interest rate offered by the bank will be 1.3% per annum. This deposit will give us PLN 25.96. The deposit can also be established for a period of two months, but then its interest rate will be equal to 1.2% per annum.

With our payment of 10,000 zlotys, we’ll be able to earn 15.98 zlotys. By choosing an even shorter deposit period of one month, the interest rate on the deposit will be 1%. Here, the net profit we can generate will be equal to PLN 6.66. Bank deposits are one of the safer ways to save. We can not only earn, but also protect our savings against inflation. This is of great importance.