Considering the current deposit interest rate and inflation at the level of 2.4%, it turns out that the vast majority of deposits bring us losses in real terms. To beat inflation, interest would have to be as much as 3 percent. The rate must be higher than inflation because interest is reduced by tax. It is also worth adding that it will be harder and harder to get real profits, as forecasts say that at the end of the year prices may rise at a rate exceeding 3 percent. To beat this level, deposit interest would have to be above 3.7 percent. There are no such offers on the market, except for short-term promotions for new customers. It should be added, however, that keeping money on an interest-free account or in cash, the real value of savings will fall even faster than those placed even on a weak deposit.

In April 2018, the wave of withdrawals from bank deposits ended, which reduced their balance by as much as PLN 35 billion. It seems that after more than a year of peace another one begins, because we have been observing payments again for three months. They led to the fact that the importance of investments fell to the lowest level in history. We keep only 1/3 of savings on them. At the end of May, Poles had PLN 260 billion in bank deposits, which is almost PLN 3 billion less than in February. In total, we have PLN 773 billion in banks, so the share of deposits is only 33 percent. and is the lowest ever. First of all, low interest rates discourage them from deposits. This year it is constantly falling. In December 2018, it was on average 1.83 percent, and in April this year only 1.56 percent.