He comes highly interest-bearing deposits in the short term, but it’s mostly just temporary promotions to attract new customers. At the same time wanes attractive annual and biennial deposits.
The expected reduction in interest rates makes banks unwilling to overpay for customer savings reduce the interest on deposits longer. But in order to keep the inflow of new funds more often they introduce promotions for several months deposits, whose interest often already exceeds 4 percent. per year. And so the average rate on a quarterly deposits is 2.71 percent. per annum and is about 0.13 percentage points. higher than last month. Semi-annual interest on deposits were unchanged, ie. 2.54 percent. The average annual interest rate on deposits after a decline of 0.09 percentage points. amounts to 2.57 percent., in the case of two-year deposits decreased by 0.14 percentage points. and for the first nine months were up less than 3 percent. border, currently amounting to 2.9 percent. per year.
The average interest rate on deposits to 5 thousand. zł
The relatively high interest rates on short-term deposits on the eve of interest rate cuts by the Monetary Policy Council may be dictated by the desire to increase the customer base, which in a few months, banks offer deposits with a much lower market rates already. In addition, offering several months of deposits with high rates also aims to increase the number of accounts (a lot of publicity requires assumptions ROR-u) or even promote mobile banking (some of the promotional investments may only be established in an application for smartphones and tablets).
September’s rank-month deposits to 5 thousand. zł wins Bank of Environmental Protection offering 4 percent. per annum on EKOlokacie without Edges. The promotion is only available for holders of current accounts with, and the amount of savings deposited may not exceed 15 thousand. zł. Located on the second and third BNP Paribas and Bank pay Mertium 3 and 2.7 percent.
noticeably higher promotional interest can be expected in the case of quarterly deposits, where the leader of the statement (Idea Bank) pays 5 percent. per year. Promotion is directed only to new customers, and the maximum deposit amount is 10 thousand. zł. The next position are Bank Millennium and neoBank (Internet brand Cooperative Bank Wielkopolski), which offer respectively 4.5 and 4.2 percent. per year. The Millennium offer applies to owners of accounts 360 ° (holders of the remaining accounts will earn 0.5 points. Less) and is valid for 10 thousand. zł, while the promotion neoBanku is addressed only to new customers. At the forefront of quarterly deposits is quite tight, because it can be found seven banks that pay at least 4 percent. per year.
| The highest rates deposits 1 and 3 months for the balance 5 thousand. PLN | |
|---|---|
| Bank Name | Place 1 M to 5 thousand. zł |
| BOS | 4.00% |
| BNP Paribas | 3.00% |
| Merits Bank | 2.70% |
| BIZ Bank | 2.50% |
| Eurobank | 2.40% |
| Bank Name | Place 3 M to 5 thousand. zł |
| Idea Bank | 5.00% |
| Millennium | 4.50% |
| neoBANK | 4.20% |
| Credit Agricole | 4.10% |
| BGZ Optima | 4.00% |
| mBank | 4.00% |
| Raiffeisen Polbank | 4.00% |
| Source: Open Finance, as of 3 October 2014. | |
Ranking deposits wins semi Merits Bank, which pays 3.6 percent. per annum, and behind him are three other institutions that offer after 3.5 percent. – FDI Bank, Bank of Environmental Protection and Getin Bank. In the case of the latter active clients (the impact of salary, payment card) can count on an increase in interest rates by 0.5 percentage points. Leadership position statement of annual deposits defended BZ WBK, which offers 4 per cent., But only up to 10 thousand. zł. The deposit must be established through mobile banking. In contrast, most of the funds deposited in the two years currently pays BIZ Bank (3.62 percent.), But it is a variable rate, which means that at any moment it will be at a lower level. For this reason, a better solution may be other offers from leading with fixed rates in the range 3.4-3.5 per cent. per year.
| The highest rates of deposits 6, 12, and 24-month for the balance of five thousand. PLN | |
|---|---|
| Bank Name | Deposit 6 M to 5 thousand. zł |
| Merits Bank | 3.60% |
| BIZ Bank | 3.50% |
| BOS | 3.50% |
| Getin Bank | 3.50% |
| BossaBank | 3.35% |
| Plus Bank | 3.25% |
| Bank Name | Deposit 12 M to 5 thousand. zł |
| BZ WBK | 4.00% |
| Merits Bank | 3.70% |
| BIZ Bank | 3.52% of |
| Plus Bank | 3.40% |
| neoBANK | 3.30% |
| Bank Name | Deposit 24 M to 5 thousand. zł |
| BIZ Bank | 3.62% of |
| neoBANK | 3.50% |
| Plus Bank | 3.40% |
| Santander Consumer Bank | 3.40% |
| Toyota Bank | 3.40% |
Michael Sadrak
Open Finance
No comments:
Post a Comment