About the deposit

  • Lokata Horyzont Zysku Deposit is a deposit for new money, which assures an attractive interest rate for a longer term,
  • You can set up the deposit for 6, 12 or 24 months with a very attractive fixed interest rate of even 1.50% per annum,
  • To set up the deposit PLN 1,000 of new money will suffice.

Interest rate

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

Term deposit period from PLN 1 000
6 months 1.50%
12 months 1.50%
24 months 1.50%

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.

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How to use


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

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How to constitute

Online Application

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Contact with Advisor
If you are our customer
Apply in Millenet


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  • What does a “bank deposit for new money” mean?

    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.

  • Which products are taken into consideration for calculating new money in case of Lokata Horyzont Zysku 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.

  • How can I set up a Lokata Horyzont Zysku deposit?

    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.

  • Can I prematurely terminate a Lokata Horyzont Zysku deposit at any time?

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

  • What maximum amount can I invest in the Lokata Horyzont Zysku deposit?

    There are no restrictions as to the maximum amount, which you can invest in the deposit. However the minimum amount of Lokata Horyzont Zysku deposit is 1000 PLN. You can also set up any number of bank deposits.

  • How does Lokata Horyzont Zysku deposit bear interest?

    Lokata Horyzont Zysku deposit has a fixed interest rate. The fixed interest rate is defined when the deposit is being set up and remains unchanged until the end of the contractual tenor of the deposit.

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