Horyzont Zysku Deposit

Horyzont Zysku Deposit stands for attractive and assured long-term yield. To set it up just choose the deposit term and bring new money to Bank Millennium!

About the deposit

Horyzont Zysku deposit is an excellent solution for new funds. You get:

  • attractive interest rate for a longer period, even 4.70% annually
  • flexible approach, you can open a deposit for 6, 12 or 18 months
  • trouble-free start, just PLN 1,000 is enough to open a deposit
  • convenience, you open a deposit completely online through Millenet or mobile app
  • the current day of checking the account balance: 12.07.2024

Interest rate

Lokata Horyzont Zysku carries a fixed rate guaranteed in accordance with the table below:

Term deposit period
from PLN 1000
6 months
12 months
18 months

Interest per annum accrues on the total balance.

Funds deposited on accounts in the Bank, the total value of which funds does not exceed the equivalent of 100,000 EUR, irrespective of the number of accounts held in the Bank, are protected by Banking Guarantee Fund, in keeping with the Act of 10 June 2016 on Banking Guarantee Fund, system of protection of deposits and compulsory restructuring (Journal of Laws2016.996). Eligible for protection are deposits and receivables of entities indicated in art. 20 of the a/m Act.

Lokata Horyzont Zysku deposit is available for holders of PLN current accounts in branches and through Millenet and mobile app. The deposit is non-renewable. Minimum deposit amount is 1000 PLN. The condition for opening a deposit is transferring new funds. The interest rate on the deposit is 4,70% per annum for a period of 6 months, 4,20% per annum for 12 months and 3,50% per annum for 18 months. Detailed information is available on the Bank’s website in the Horyzont Zysku Deposit Bylaws (in Polish) and the Price Table Interest Rates.

How to use

  • Millenet

    Millenet is an online banking system providing security and full 7/24 online control over your finances and additional services.

  • Mobile app

    The mobile app allows you to use the account on your phone, wherever you are. You can make transfers, pay in stores, withdraw cash from ATMs and much more.

  • Branches and ATMs

    Bank Millennium provides over 600 branches throughout Poland and multifunctional Bank Millennium ATMs.


Our Consultants will provide 7/24 detailed information and will carry out your instructions.

801 331 331

fixed line calls and mobile

How to constitute

Online application

If you are not our Client, open Konto Millennium 360° account.

If you are our Client, apply in Millenet.

Use our mobile app

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Choose the nearest branch

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  • New money is the difference between the sum of funds accumulated currently on accounts in the Bank and the sum of funds accumulated on accounts in the Bank on a specific day in the past specified in the terms of the particular deposit. The products, which are taken into consideration when calculating the sum of funds, is specified in the product terms.

    You can continue to have new money deposits as long as you have new money i.e. if the sum of money accumulated now is greater than the sum of money accumulated on a specific day in the past. The greater the difference, the bigger is the amount, which you can set up as a deposit.

  • For the purpose of calculating new money the balances are added-up of funds accumulated on current accounts, technical accounts, savings accounts, savings term deposit accounts and structured deposits in PLN, the owner/co-owners of which are the same as of the account, which will source money for Lokata Horyzont Zysku deposit. Calculation of new money does not reflect funds accumulated on bridge deposits used for purchasing structured bonds in the Prestige segment and in Private Banking.

  • You can set up the deposit in any branch as well as in Millenet e-banking. When setting-up Lokata Horyzont Zysku – in a branch or in Millenet – you will find out if you have new money allowing you to set up the deposit.

  • Yes, the deposit can be terminated at any time. In case of premature termination interest will not be paid.

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