Bank Pekao SA - Private Banking

Deposit Accounts and Treasury Bills

Do you have spare means you wish to invest? Why not try our deposit accounts or Treasury bills, which will allow you to make money the way you believe to be the most lucrative?

Deposit Accounts
We offer fixed-term deposit account facilities, denominated in Polish zlotys (PLN) and the following foreign currencies: US dollars, Euro, British pounds sterling, and Swiss francs. The terms and conditions of opening a deposit account are set on a case-by-case basis. This means you can negotiate:

the maturity of the deposit, in days (from 1 to 365 days)
the interest rate

The minimum amount needed to open a deposit account on individual basis are:

deposits denominated in Polish zlotys: 20,000 PLN
deposits denominated in US dollars or Euros: $5,000 or € 5,000
deposits denominated in British pounds sterling: £ 5,000
deposits denominated in Swiss francs: SF10,000

You can also open overnight deposits in Polish zlotys, US dollars, Euros and GBP or 'Rentier' deposits.

Structured deposits
Structured deposit is a product combining safety of a bank deposit with a possibility of achieving extraordinary profits from investment on capital markets.

Our offers are prepared to allow you to invest on various geographical markets, in various sectors and various currencies (Polish Zlotys, Euros, US Dollars). Parameters of the further deposits. editions are each time tailored to changing market trends and macroeconomic prognosis.

Minimal amount needed to open a structured deposit is:

in Polish Zlotys - 100 000
in Euros or US Dollars - 50 000.

The main advantages of structured deposit include:

total protection of the invested capital
possibility of achieving extraordinary profits due to positive changes on the stock exchange markets.

Two-currency deposits
This attractive modern investment facility is designed for those of you who, in return for the possibility of obtaining higher returns from your investment, are prepared to accept a higher level of risk resulting from fluctuations in the currency market. A two-currency deposit means that you open a deposit in one currency you choose (referred to as the "first currency of the deposit") and at the same time choose another currency, into which the amount of the deposit may be exchanged at a previously set exchange rate.

We open two-currency deposits for the following currency pairs: PLN/EUR, PLN/USD, EUR/PLN, USD/PLN, for the period of 7 to 180 days. The deposit may amount to a multiple of 100,000 EUR (or USD) or its equivalence in PLN. The interest rate is fixed on a yearly basis. You are not charged any fees or commission when opening the deposit.

Dynamic saving deposits
In certain periods we offer dynamic saving deposits, known as Euroguarantees. This investment facility is a combination of a fixed-term deposit (with a pre-defined interest rate) and investment in stocks and bonds on the Polish and foreign capital markets.

Treasury bills
Through us you can also buy Treasury bills issued by the Polish Ministry of Finance. They are short-term securities sold for a fixed period. They are sold at a discount and bought back at face value on the pre-defined maturity day.

The following conditions apply to Treasury bill investments:

minimum amount: 10,000 PLN
interest rate: fixed, on a 360-day interest base.

The main advantages of Treasury bills include:

investment period adapted to your needs: on the primary market - 8, 13, 26, 39 and 52 weeks, on the secondary market - from 7 to 364 days
safety of the investment - the redemption of the bills is guaranteed by the State Treasury
attractive interest rate - higher than current account and fixed-term deposit interest rates
high liquidity - there is the possibility to re-sell the bills on the secondary market
convenience - the bills can be bought by telephone, at no additional fees or commissions
individual assistance from our advisor

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