Nest Bank Maintains Lead in Latest Six-Month Deposit Ranking

Nest Bank has once again taken the top spot in the latest ranking of six-month bank deposits, thanks to its high-yield “Nest Lokata Witam” offer. With an attractive interest rate of 7.60% per annum, the deposit is available exclusively to new customers who open a personal account and meet at least one of the following conditions: receiving a monthly income of at least PLN 2,000, conducting at least 10 cards or BLIK transactions per month, or receiving a salary of at least PLN 2,000 monthly. These conditions must be fulfilled over two consecutive months. The maximum deposit amount is capped at PLN 25,000.

Holding steady in second place is VeloBank with its “VeloLokata dla Aktywni”, which offers a 7% annual interest rate. This offer also targets new clients who are required to open a personal account, agree to market communication, and ensure a minimum inflow of PLN 2,000 to the account each full calendar month during the deposit term. The maximum deposit allowed is PLN 50,000.

In third place is Volkswagen Bank GmbH Branch in Poland, offering 6.50% annually through its “Lokata Plus”. The only requirement is having an account with the bank, and deposits of up to PLN 2,000,000 are accepted.

Toyota Bank follows closely in fourth position with its own “Lokata Plus” offer, featuring a 6.30% annual interest rate and a deposit limit of PLN 100,000.

The fifth spot now belongs to BFF Banking Group’s “Lokata Facto”, promoted from sixth place. Despite no change in its 5.50% interest rate, it moved up in the ranking as Raiffeisen Digital Bank dropped out of the top five after reducing its rate from 5.70% to 5.10% per annum.

Implications for Banking and Business

Developments in the Polish banking sector affect businesses operating in the country in several ways. Access to corporate banking services, credit availability, deposit rates, and payment infrastructure are all critical factors for companies — whether established Polish firms or foreign-owned entities entering the market.

For foreign entrepreneurs setting up operations in Poland, choosing the right banking partner is a strategic decision. Major Polish banks including mBank, ING Bank Śląski, Bank Millennium, PKO BP, and Santander Poland offer varying levels of service for international clients, including English-language online banking, multicurrency accounts, and dedicated relationship managers for corporate clients.

The Polish banking market is well-regulated by the KNF (Financial Supervision Authority) and participates in the EU deposit guarantee scheme (BFG — Bank Guarantee Fund), providing deposit protection up to EUR 100,000 per depositor per institution. This regulatory framework provides stability and confidence for businesses maintaining corporate funds in Polish banks.

If you are doing business in Poland or considering entering the Polish market, Zalewski Consulting can help. Learn more about our personal income tax advisory, or contact us for a free consultation.