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.
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