Lokaty bankowe porównanie maj 2010

Lokaty Bankowe porównanie maj 2010
Lokaty Bankowe porównanie maj 2010

Jak co miesiąc prezentujemy aktualne porównanie lokat bankowych, w którym zestawimy ich oprocentowanie, a także opiszemy niektóre parametry.

Miesiąc maj przynosi niewielki spadki pod względem oprocentowanie lokat bankowych. Prawdopodobnie jest to spowodowane wciąż utrzymującymi się na niskim poziomie stopami procentowymi, a także słabszym popytam na kredyty, przez co banki nie potrzebują zwiększonej ilości kapitału. Oprocentowanie 6% staje się rzadkością i aby je otrzymać najłatwiej, należy zakładać lokaty, unikając podatku Belki.

Lokaty roczne

Nr Bank Nazwa lokaty % % po podatku Min. wys. wpłaty
1. Polbank EFG Lokata Mistrzowska 6,00% 4,86% 500zł
2. Bank Pocztowy Lokata Internetowa 12M 5,75% 4,66% 1000zł
3. AIG Lokata Zysk+ 5,70% 4,62% 1000zł
4. AIG Lokata Direct + Internet 5,70% 4,62% 5000zł
5. BZ WBK Lokata Antykryzysowa 5,70% 4,62% 3000zł
6. AIG Lokata Direct + 5,70% 4,62% 5000zł
7. Allianz Bank Allianz Lokata 5,70% 4,62% 3000zł
8. Toyota Bank Lokata Stałe Oprocentowanie 5,65% 4,58% 2000zł
9. AIG Lokata Direct + Ochrona 5,60% 4,54% 10000zł
10. Getin Bank Lokata Bezkonkurencyjna 5,50% 4,46% 500zł
11. Meritum Bank Lokata standardowa Internetowa 5,50% 4,46% 1000zł

Na czele rankingu wciąż znajduje się Polbank z „Lokatą Mistrzowską” i 6,00% odsetek, ale z powodu kryzysu w Grecji, zainteresowanie lokatami w tym banku zdecydowanie spadło. Nie ma tu już „Lokaty Bezkonkurencyjnej” z Getin Banku oferującej do tej pory takie samo oprocentowanie, bo bank obniżył je do 5,50%. Na drugim miejscu obecnie plasuje się Bank Pocztowy, który na swojej lokacie internetowej oferuje 5,75%.

Na kolejnych miejscach w rankingu może znaleźć ex aequo depozyty: „Lokata Zysk+”, „Lokata Direct + Internet” oraz „Lokata Direct +” w AIG, „Allianz lokatę”  w Allianz Banku, a także „Lokatę antykryzysową” w BZ WBK. Na każdej z tych lokat otrzymamy oprocentowanie wynoszące 5,70% w skali roku. Mniej o 0,05% otrzymamy w Toyota Banku, o kolejne tyle mniej otrzymamy na „Lokacie Direct + Ochrona” w AIG. Na końcu naszego zestawienia znaleźć możemy wspomnianą wcześniej „Lokatę Bezkonkurencyjną” w Getin Banku oraz Lokatę Standardową w Meritum Banku, gdzie otrzymamy 5,50% odsetek.

Lokaty 6-miesięczne

Nr Bank Nazwa lokaty % % po podatku Min. wys. wpłaty
1. Polbank EFG Lokata Mistrzowska 6,00% 4,86% 500zł
2. Toyota Bank Lokata Standardowa Internetowa 5,60% 4,54% 2000zł
3. Bank Pocztowy Lokata Internetowa 5,50% 4,46% 1000zł
4. Allianz Bank Allianz Lokata 5,50% 4,46% 3000zł
5. Bank Pocztowy Lokata Standardowa 5,50% 4,46% 500zł
6. AIG Lokata Zysk + 5,35% 4,33% 1000zł
7. AIG Lokata Direct + 5,35% 4,33% 5000zł
8. AIG Lokata Direct + Internet 5,35% 4,33% 5000zł
9. Kredyt Bank Lokata Progres 5,33% 4,32% 1000zł
10. AIG Lokata Direct+ Ochrona 5,25% 4,25% 10000zł

Ranking lokat na 6 miesięcy nie uległ wielkim zmianom. Najlepszą lokatą na 6 miesięcy po raz kolejny okazała się „Lokata Mistrzowska” w Polbanku. Możemy na niej otrzymać 6,00% odsetek. Kolejne miejsce zajmuje lokata ze stałym oprocentowaniem w Toyota Banku, który oferuje 5,60%. Na następnych miejscach plasują się  Allianz Bank oraz Bank Pocztowy. Oprocentowanie na ich lokatach wynosi 5,50%. Za nimi w rankingu możemy ujrzeć trzy lokaty z AIG (Lokata Direct + Internet, Lokata Direct + lokata terminowa, Lokata Zysk +), gdzie otrzymamy 5,35%. Zestawienie zamykają „Lokata Progres” w Kredyt Banku oraz Lokata Direct + Ochrona w AIG, gdzie otrzymamy oprocentowanie odpowiednio 5,33% i 5,25%.

Lokaty 3-miesięczne

Nr Bank Nazwa lokaty % % po podatku Min. wys. wpłaty
1. Toyota Bank Lokata Standardowa 5,50% 4,46% 2000zł
3. Meritum Bank Lokata Standardowa Internetowa 5,20% 4,21% 1000zł
3. Eurobank Lokata – stałe oprocentowanie 5,05% 4,09% 200zł
4. Meritum Bank Lokata Standardowa 5,00% 4,05% 1000zł
5. Meritum Bank Meritum Zysku w Internecie 5,00% 4,05% 3000zł
6. DnB Nord NORDeLOKATA 3M 5,00% 4,05% 2000zł
7. Invest-Bank Lokata internetowa 5,00% 4,05% 1000zł
8. Allianz Bank Allianz lokata 5,00% 4,05% 3000zł
9. Bank BPS Podwójna krótka 4,94% 4,00% 500zł
10. DnB Nord iNORD 4,80% 3,89% 1000zł
11. Polbank Lokata 4,75% 3,85% 500zł
12. VW Bank Direct Lokata Plus 4,55% 3,69% 5000zł

W porównaniu do lokat 6 czy 12 miesięcznych, otrzymamy na nich zdecydowanie niższe oprocentowanie. Ledwo jeden bank oferuje 5,5%, a co dopiero 6% lub więcej. W maju 2010 roku najkorzystniejszą ofertę dotyczącą 3 miesięcznych lokat bankowych posiada Toyota Bank, który na lokacie o oprocentowaniu stałym oferuje aż 5,5%. Z całą pewnością jest to najkorzystniejsza oferta na rynku. Wiceliderem pod względem wysokości oprocentowania jest Meritum Bank oferujący na lokacie internetowej oprocentowanie nieznacznie niższe od poprzednika w wysokości 5,2%. Jest to również bardzo atrakcyjna oferta. Następny w kolejności jest EuroBank, którego oferta wynosi 5,05%.

W ścisłej czołówce znalazł się również niemiecki Allianz Bank z oprocentowanie w wysokości pełnych 5%. Identyczną wysokość oprocentowania w wysokości 5 % oferuje bank DnB Nord na lokacie o nazwie NORDeLOKATA 3M oraz InvestBank na lokacie internetowej. Następna w kolejności znalazła się Lokata „Podwójna krótka” w banku BPS z oprocentowaniem wynoszącym 4,94%. Oprocentowanie w wysokości 4,8% oferuje bank DnB Nord na lokacie o nazwie iNord. Następne miejsce pod względem oprocentowania zajął grecki Polbank EFG z lokatą w wysokości 4,75%. Wśród najlepszych lokat bankowych maja 2010 roku znalazł się również Volkswagen Bank Direct z lokatą Plus oprocentowaną w wysokości 4,55%.


W rankingu nie wzięliśmy pod uwagę lokat bez podatku Belki. Wszelkie oprocentowanie w skali roku.


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