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1let a=this._gclidService.appendGclidToUrl(`/oferta/lokata/${o.id}?platform=web&context=ranking`);window.open(a,"_blank"),this.goToOffer.emit(a)}static \u0275fac=function(o){return new(o||r)};static \u0275cmp=P({type:r,selectors:[["app-deposit-card-mobile"]],inputs:{account:[1,"account"],position:[1,"position"]},outputs:{goToOffer:"goToOffer"},decls:55,vars:21,consts:[[1,"deposit-card-mobile"],[1,"deposit-card-mobile__content",3,"ngClass"],[1,"deposit-card-mobile__position"],[1,"deposit-card-mobile__position-number"],[1,"deposit-card-mobile__header"],[1,"deposit-card-mobile__img-container"],[1,"deposit-card-mobile__img-wrapper"],["height","40","width","40",3,"ngSrc","alt"],[1,"deposit-card-mobile__title-container"],[1,"deposit-card-mobile__bank-name"],[1,"deposit-card-mobile__title-wrapper"],[1,"deposit-card-mobile__title"],[1,"deposit-card-mobile__promoted-wrapper"],[1,"deposit-card-mobile__score-row"],[1,"deposit-card-mobile__score",3,"ngClass"],[1,"deposit-card-mobile__score-value"],[1,"deposit-card-mobile__score-label"],[1,"deposit-card-mobile__rate-highlight"],[1,"deposit-card-mobile__rate-value"],[1,"deposit-card-mobile__rate-label"],[1,"deposit-card-mobile__details-grid"],[1,"deposit-card-mobile__detail-item"],[1,"deposit-card-mobile__detail-label"],[1,"deposit-card-mobile__detail-value"],[1,"deposit-card-mobile__tags"],[1,"deposit-card-mobile__tag","deposit-card-mobile__tag--info"],[1,"deposit-card-mobile__actions-container"],["mat-flat-button","","color","primary",3,"click"],[1,"deposit-card-mobile__primary-button"],["ngSrc","/svg/link-external.svg","height","16","width","16","alt","link-external-svg",1,"icon"]],template:function(o,a){o&1&&(t(0,"mat-card",0),u(1,Ze,1,0,"app-ui-hot-icon"),t(2,"mat-card-content",1)(3,"div",2)(4,"span",3),n(5),e()(),t(6,"div",4)(7,"div",5)(8,"div",6),g(9,"img",7),e()(),t(10,"div",8)(11,"div")(12,"p",9),n(13),e(),t(14,"mat-card-title",10)(15,"h2",11),n(16),e()()(),u(17,He,2,0,"div",12),e()(),t(18,"div",13)(19,"div",14)(20,"span",15),n(21),e(),t(22,"span",16),n(23,"/ 100"),e()(),t(24,"div",17)(25,"span",18),n(26),e(),t(27,"span",19),n(28,"w skali roku"),e()()(),t(29,"div",20)(30,"div",21)(31,"span",22),n(32,"Okres"),e(),t(33,"span",23),n(34),e()(),t(35,"div",21)(36,"span",22),n(37,"Waluta"),e(),t(38,"span",23),n(39),e()(),t(40,"div",21)(41,"span",22),n(42,"Min. kwota"),e(),t(43,"span",23),n(44),z(45,"number"),e()(),u(46,Je,6,4,"div",21),e(),t(47,"div",24),u(48,Qe,2,0,"span",25),e()(),t(49,"div",26)(50,"button",27),M("click",function(y){return a.onGoToOfferClick(y)}),t(51,"div",28),g(52,"img",29),t(53,"span"),n(54,"Zak\u0142adam lokat\u0119"),e()()()()()),o&2&&(c(),m(a.account().isHot?1:-1),c(),w("ngClass",ce(19,Ke,a.account().isHot)),c(3),d("#",a.position(),""),c(4),S("ngSrc",a.account().bankLogoUrl),S("alt",a.account().bankName+" logo"),c(4),s(a.account().bankName),c(3),s(a.account().title),c(),m(a.account().isPromoted?17:-1),c(2),w("ngClass",a.scoreClass()),c(2),s(a.account().totalScore),c(5),s(a.mainRate()),c(8),s(a.account().period),c(5),s(a.account().currency),c(5),d("",f(45,16,a.account().interestRate[0].minAmount,"1.0-0")," z\u0142"),c(2),m(a.account().interestRate[0].maxAmount?46:-1),c(2),m(a.account().personalAccountRequired?48:-1))},dependencies:[O,T,A,N,W,L,B,R,fe,q],styles:[".deposit-card-mobile[_ngcontent-%COMP%]{position:relative;overflow:visible;margin-top:16px}.deposit-card-mobile__content[_ngcontent-%COMP%]{display:flex;flex-direction:column;gap:12px;position:relative;padding:16px 16px 0}.deposit-card-mobile__content--hot[_ngcontent-%COMP%]{padding-top:0}.deposit-card-mobile__position[_ngcontent-%COMP%]{position:absolute;top:-12px;right:0;background:#0065ff;color:#fff;padding:4px 10px;border-radius:20px;font-weight:600;font-size:.8rem;z-index:1}.deposit-card-mobile__header[_ngcontent-%COMP%]{display:flex;gap:10px;padding-top:8px}.deposit-card-mobile__img-wrapper[_ngcontent-%COMP%]{display:flex;border:1px solid #e4e7ec;border-radius:10px;padding:20px}.deposit-card-mobile__title-container[_ngcontent-%COMP%]{display:flex;justify-content:space-between;width:100%}.deposit-card-mobile__title-wrapper[_ngcontent-%COMP%]{font-weight:500;margin-top:0}.deposit-card-mobile__title[_ngcontent-%COMP%]{margin:0;font-size:1.3rem;color:#141924}@media screen and (max-width: 959.98px){.deposit-card-mobile__title[_ngcontent-%COMP%]{font-size:1.2rem}}
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"),e(),t(14,"ol",27),h(15,Ve,5,5,"li",null,X),e(),t(17,"p",28),n(18," Ranking zaktualizowany: "),t(19,"time"),n(20),e(),n(21),e()()),r&2){let o,a=_();c(3),D("Najlepsza lokata w Polsce ",a.currentMonthLocative," ",a.currentYear," roku"),c(3),s(a.topAccount().title),c(),d(" w ",a.topAccount().bankName," z oprocentowaniem "),c(2),d("",(o=a.topAccount().interestRate)==null||o[0]==null?null:o[0].rate,"% w skali roku"),c(),D(" na okres ",a.topAccount().period,". Ranking obejmuje ",a.accounts().length," lokat z "),c(2),d("",a.uniqueBanksCount()," bank\xF3w"),c(3),x(a.topThreeAccounts()),c(4),H("datetime",a.lastUpdateIso()),c(),s(a.lastUpdateFormatted()),c(),d(" | Oferty ",a.uniqueBanksCount()," bank\xF3w ")}}function tt(r,i){if(r&1&&g(0,"app-ranking-skeleton-card",29),r&2){let o=_(2);w("isMobile",o.isMobile())}}function nt(r,i){if(r&1&&(t(0,"div",12),h(1,tt,1,1,"app-ranking-skeleton-card",29,ie),e()),r&2){let o=_();c(),x(o.skeletonItems)}}function at(r,i){if(r&1&&g(0,"app-deposit-card-mobile",30),r&2){let o=_(),a=o.$implicit,p=o.$index;w("account",a)("position",p+1)}}function ot(r,i){if(r&1&&g(0,"app-deposit-card-desktop",30),r&2){let o=_(),a=o.$implicit,p=o.$index;w("account",a)("position",p+1)}}function it(r,i){if(r&1&&u(0,at,1,2,"app-deposit-card-mobile",30)(1,ot,1,2,"app-deposit-card-desktop",30),r&2){let o=_(2);m(o.isMobile()?0:1)}}function rt(r,i){if(r&1&&(t(0,"div",12),h(1,it,2,1,null,null,X),e()),r&2){let o=_();c(),x(o.accounts())}}function ct(r,i){if(r&1&&(t(0,"tr")(1,"td"),n(2),e(),t(3,"td")(4,"strong"),n(5),e()(),t(6,"td"),n(7),e(),t(8,"td")(9,"strong"),n(10),e()(),t(11,"td"),n(12),e(),t(13,"td"),n(14),e(),t(15,"td"),n(16),e()()),r&2){let o=i.$implicit,a=i.$index;c(2),s(a+1),c(3),s(o.title),c(2),s(o.bankName),c(3),d("",o.interestRate==null||o.interestRate[0]==null?null:o.interestRate[0].rate,"%"),c(2),s(o.period),c(2),d("",o.interestRate==null||o.interestRate[0]==null?null:o.interestRate[0].minAmount," PLN"),c(2),d("",o.totalScore,"/100")}}function st(r,i){if(r&1&&(t(0,"section",13)(1,"details")(2,"summary")(3,"h2"),n(4),e()(),t(5,"div",31)(6,"table",32)(7,"caption"),n(8),t(9,"time"),n(10),e(),n(11,". \u0179r\xF3d\u0142o: RozbijBank.pl "),e(),t(12,"thead")(13,"tr")(14,"th",33),n(15,"#"),e(),t(16,"th",33),n(17,"Lokata"),e(),t(18,"th",33),n(19,"Bank"),e(),t(20,"th",33),n(21,"Oprocentowanie"),e(),t(22,"th",33),n(23,"Okres"),e(),t(24,"th",33),n(25,"Min. kwota"),e(),t(26,"th",33),n(27,"Ocena"),e()()(),t(28,"tbody"),h(29,ct,17,7,"tr",null,X),e()()()()()),r&2){let o=_();c(4),D("Por\xF3wnanie lokat bankowych -- ",o.currentMonthNominative," ",o.currentYear,""),c(4),d(" Ranking ",o.accounts().length," lokat bankowych w Polsce. Dane aktualne na "),c(),H("datetime",o.lastUpdateIso()),c(),s(o.lastUpdateFormatted()),c(19),x(o.accounts())}}function pt(r,i){if(r&1&&g(0,"app-ranking-faq-section",17),r&2){let o=_();w("faqs",o.faqs())}}
1var G=class r{constructor(i,o){this._router=i;this._dialog=o;this.productTypes=this._mainPageFacade.productTypes,this.banks=this._mainPageFacade.banks,J(this._platformId)&&k(ue).observe([Q.XSmall,Q.Small]).pipe(V(a=>a.matches),te(),ge()).subscribe(a=>{this.isMobile.set(a)})}accounts=C([]);isLoading=C(!0);isMobile=C(k(pe).initialIsMobile);skeletonItems=Array.from({length:5});breadcrumbItems=[{label:"Strona g\u0142\xF3wna",url:"/"},{label:"Ranking lokat"}];productTypes=C([]);banks=C([]);faqs=C([]);topAccount=b(()=>this.accounts()[0]);topThreeAccounts=b(()=>this.accounts().slice(0,3));uniqueBanksCount=b(()=>new Set(this.accounts().map(i=>i.bankId)).size);lastUpdateFormatted=b(()=>{let i=new Date;return`${i.getDate()} ${this._monthNames[i.getMonth()]} ${i.getFullYear()}`});lastUpdateIso=b(()=>new Date().toISOString().split("T")[0]);_monthNames=["stycznia","lutego","marca","kwietnia","maja","czerwca","lipca","sierpnia","wrze\u015Bnia","pa\u017Adziernika","listopada","grudnia"];_monthNamesNominative=["stycze\u0144","luty","marzec","kwiecie\u0144","maj","czerwiec","lipiec","sierpie\u0144","wrzesie\u0144","pa\u017Adziernik","listopad","grudzie\u0144"];_monthNamesLocative=["w styczniu","w lutym","w marcu","w kwietniu","w maju","w czerwcu","w lipcu","w sierpniu","we wrze\u015Bniu","w pa\u017Adzierniku","w listopadzie","w grudniu"];currentMonth=this._monthNames[new Date().getMonth()];currentMonthNominative=this._monthNamesNominative[new Date().getMonth()];currentMonthLocative=this._monthNamesLocative[new Date().getMonth()];currentYear=new Date().getFullYear();_canonicalUrl="https://rozbijbank.pl/ranking-lokat";_offersApiService=k(ze);_banksApiService=k(ye);_mainPageFacade=k(he);_seoService=k(we);_transferState=k(ae);_platformId=k(ne);_recaptchaLoader=k(de);ngOnInit(){this._mainPageFacade.fetchBanks(),this._setupSeo(),this._loadAccounts()}_setupSeo(){this._seoService.updateMetaTags({title:this._seoService.buildRankingTitle({productLabel:"lokat",monthNominative:this.currentMonthNominative,year:this.currentYear}),description:this._buildDescription(),url:this._canonicalUrl}),this._seoService.setCanonicalUrl(this._canonicalUrl),this._seoService.addBreadcrumbStructuredData([{name:"Strona g\u0142\xF3wna",url:"https://rozbijbank.pl/"},{name:"Ranking lokat",url:this._canonicalUrl}])}_updateMetaWithMax(i){let o=i[0],a=o?.interestRate?.[0]?.rate,p=a?`do ${a.toString().replace(".",",")}%`:void 0,y=new Set(i.map(l=>l.bankId)).size;this._seoService.updateMetaTags({title:this._seoService.buildRankingTitle({productLabel:"lokat",monthNominative:this.currentMonthNominative,year:this.currentYear,maxText:p}),description:this._seoService.buildRankingDescription({productLabelSingular:"lokata",monthLocative:this.currentMonthLocative,year:this.currentYear,to
1pName:o?.title,topBank:o?.bankName,maxText:p,totalOffers:i.length,uniqueBanks:y}),url:this._canonicalUrl})}_loadAccounts(){this.isLoading.set(!0);let i="ranking-deposit-accounts";if(J(this._platformId)&&this._transferState.hasKey(i)){let o=this._transferState.get(i,[]);this._transferState.remove(i),this.accounts.set(o),this.isLoading.set(!1),this._setupStructuredData(o);return}ee({offers:this._offersApiService.getOffers(),banks:this._banksApiService.getBanks()}).subscribe({next:({offers:o,banks:a})=>{let p=new Map(a.map(l=>[l.id,l])),y=(o.depositAccounts||[]).map(l=>{let j=p.get(l.bankId);return K(Y({},l),{bankName:j?.title,bankLogoUrl:j?.logoUrl})}).sort((l,j)=>j.totalScore-l.totalScore);this.accounts.set(y),this.isLoading.set(!1),this._setupStructuredData(y),se(this._platformId)&&this._transferState.set(i,y)},error:()=>{this.isLoading.set(!1)}})}_setupStructuredData(i){this._updateMetaWithMax(i);let o=new Date().toISOString();this._seoService.addDepositRankingStructuredData(i.slice(0,10).map(l=>({name:l.title,bankName:l.bankName||"",interestRate:l.interestRate?.[0]?.rate||0,currency:l.currency||"PLN",minAmount:l.interestRate?.[0]?.minAmount,maxAmount:l.interestRate?.[0]?.maxAmount??void 0,period:l.period,totalScore:l.totalScore})),o);let a=i[0],p=new Set(i.map(l=>l.bankId)).size,y=[{question:`Jaka jest najlepsza lokata w Polsce w ${this.currentYear} roku?`,answer:`Najlepsza lokata w Polsce w ${this.currentYear} roku to ${a?.title} w ${a?.bankName} z oprocentowaniem ${a?.interestRate?.[0]?.rate}% w skali roku. Ranking obejmuje oferty z ${p} bank\xF3w i jest aktualizowany codziennie na rozbijbank.pl.`},{question:"Ile wynosi podatek od lokaty (podatek Belki)?",answer:"Podatek od zysk\xF3w kapita\u0142owych (tzw. podatek Belki) wynosi 19% od odsetek z lokaty. Jest automatycznie pobierany przez bank przy wyp\u0142acie odsetek."},{question:"Czy lokaty s\u0105 bezpieczne?",answer:"Lokaty w polskich bankach s\u0105 gwarantowane przez Bankowy Fundusz Gwarancyjny (BFG) do kwoty 100 000 EUR na osob\u0119 na bank. Wszystkie banki w rankingu RozbijBank posiadaj\u0105 licencj\u0119 KNF."},{question:"Lokata czy konto oszcz\u0119dno\u015Bciowe \u2014 co lepsze?",answer:"Lokata oferuje wy\u017Csze oprocentowanie przy zamro\u017Ceniu \u015Brodk\xF3w na ustalony okres. Konto oszcz\u0119dno\u015Bciowe pozwala na wyp\u0142aty w dowolnym momencie, ale oprocentowanie jest zwykle ni\u017Csze. Por\xF3wnaj oba produkty na rozbijbank.pl."},{question:"Czym jest lokata na nowe \u015Brodki?",answer:"Lokata na nowe \u015Brodki oferuje podwy\u017Cszone oprocentowanie tylko dla pieni\u0119dzy, kt\xF3rych wcze\u015Bniej nie by\u0142o na Twoich rachunkach w danym banku. Bank por\xF3wnuje saldo z konkretnego dnia (data odniesienia w regulaminie) i promocyjn\u0105 stawk\u0105 obejmuje wy\u0142\u0105cznie nadwy\u017Ck\u0119 ponad t\u0119 kwot\u0119 \u2014 w praktyce pieni\u0105dze przelane z innego banku."},{question:"Jak obliczy\u0107 zysk z lokaty?",answer:"Zysk brutto = kwota \xD7 oprocentowanie roczne \xD7 liczba miesi\u0119cy / 12. Od odsetek bank pobiera 19% podatku Belki, wi\u0119c zysk netto to 81% tej kwoty. Przyk\u0142ad: 10 000 z\u0142 na 6 miesi\u0119cy przy 6% w skali roku daje 300 z\u0142 brutto, czyli 243 z\u0142 netto. Kalkulator lokat na rozbijbank.pl liczy to automatycznie."},{question:"Co si\u0119 stanie, je\u015Bli zerw\u0119 lokat\u0119 przed terminem?",answer:"Kapita\u0142 zawsze wraca do Ciebie w ca\u0142o\u015Bci, ale w wi\u0119kszo\u015Bci bank\xF3w tracisz wszystkie naliczone odsetki. Wyj\u0105tkiem bywaj\u0105 lokaty progresywne, kt\xF3re przy zerwaniu wyp\u0142acaj\u0105 odsetki za pe\u0142ne zako\u0144czone miesi\u0105ce. Dok\u0142adne zasady wcze\u015Bniejszego zerwania okre\u015Bla regulamin konkretnej lokaty."},{question:"Czym r\xF3\u017Cni si\u0119 lokata odnawialna od nieodnawialnej?",answer:"Lokata nieodnawialna po zako\u0144czeniu okresu wyp\u0142aca kapita\u0142 z odsetkami na Twoje konto. Odnawialna przed\u0142u\u017Ca si\u0119 automatycznie \u2014 zwykle na standardowych, znacznie ni\u017Cszych warunkach ni\u017C promocyjna stawka. Przy lokatach promocyjnych warto wy\u0142\u0105czy\u0107 automatyczne odnowienie albo przenie\u015B\u0107 \u015Brodki po zako\u0144czeniu okresu."},{question:"Dlaczego oprocentowanie lokat si\u0119 zmienia?",answer:"Oprocentowanie lokat pod\u0105\u017Ca za stopami procentowymi NBP, o kt\xF3rych decyduje Rada Polityki Pieni\u0119\u017Cne
1j. Gdy stopy rosn\u0105, banki podnosz\u0105 stawki lokat, by przyci\u0105gn\u0105\u0107 depozyty; gdy rynek oczekuje obni\u017Cek, banki jako pierwsze tn\u0105 oprocentowanie lokat d\u0142ugoterminowych. Dlatego ranking aktualizujemy codziennie."},{question:"Od jakiej kwoty mo\u017Cna za\u0142o\u017Cy\u0107 lokat\u0119?",answer:"Wi\u0119kszo\u015B\u0107 lokat w polskich bankach wymaga minimalnej wp\u0142aty 500\u20131000 z\u0142, cho\u0107 zdarzaj\u0105 si\u0119 oferty dost\u0119pne ju\u017C od 100 z\u0142. Z drugiej strony promocyjne stawki maj\u0105 zwykle g\xF3rny limit \u2014 najcz\u0119\u015Bciej 100\u2013400 tys. z\u0142. Minimaln\u0105 kwot\u0119 ka\u017Cdej oferty znajdziesz w tabeli rankingu powy\u017Cej."},{question:"Ile lokat mo\u017Cna mie\u0107 jednocze\u015Bnie?",answer:"Nie ma limitu \u2014 mo\u017Cesz mie\u0107 dowoln\u0105 liczb\u0119 lokat w wielu bankach naraz. Warto o tym pami\u0119ta\u0107 przy wi\u0119kszych kwotach: gwarancja BFG obejmuje do 100 000 EUR na osob\u0119 w jednym banku, wi\u0119c roz\u0142o\u017Cenie oszcz\u0119dno\u015Bci na kilka bank\xF3w zwi\u0119ksza poziom ochrony."},{question:"Czy bank mo\u017Ce zmieni\u0107 oprocentowanie w trakcie trwania lokaty?",answer:"Przy lokacie ze sta\u0142ym oprocentowaniem \u2014 nie: stawka z dnia za\u0142o\u017Cenia obowi\u0105zuje do ko\u0144ca okresu. Przy lokacie ze zmiennym oprocentowaniem stawka mo\u017Ce si\u0119 zmienia\u0107, zwykle w \u015Blad za stopami NBP lub stawkami rynkowymi wskazanymi w regulaminie. Typ oprocentowania znajdziesz w warunkach ka\u017Cdej oferty w rankingu."}];this.faqs.set(y),this._seoService.addFAQStructuredData(y)}ngOnDestroy(){this._seoService.resetToDefaults()}_buildDescription(){return`Ranking najlepszych lokat bankowych w Polsce w ${this.currentYear} roku. Por\xF3wnaj oprocentowanie, okresy i warunki. Znajd\u017A najlepsz\u0105 lokat\u0119.`}navigateToMain(){this._router.navigate([""])}navigateToBlog(){this._router.navigate(["/blog"])}navigateToPersonalRanking(){this._router.navigate(["/ranking-kont-osobistych"])}navigateToSavingRanking(){this._router.navigate(["/ranking-kont-oszczednosciowych"])}navigateToBusinessRanking(){this._router.navigate(["/ranking-kont-firmowych"])}scrollToTop(){window.scrollTo({top:0,behavior:"smooth"})}openContactDialog(){this._dialog.open(be,{minWidth:"50vw"}).afterClosed().subscribe(i=>{i&&this._recaptchaLoader.execute("contact").then(o=>{let a=K(Y({},i),{recaptchaToken:o});this._mainPageFacade.sendContactMessage(a)})})}static \u0275fac=function(o){return new(o||r)(Z(le),Z(me))};static \u0275cmp=P({type:r,selectors:[["app-deposit-accounts-ranking-page"]],decls:106,vars:13,consts:[[3,"contactButtonClicked","promotionsTabClicked","rankingTabClicked","savingRankingTabClicked","depositRankingTabClicked","businessRankingTabClicked","howItWorksTabClicked","mobileAppClicked","blogTabClicked","defaultTab","isDetailsPage"],[1,"deposit-accounts-ranking-page"],[1,"deposit-accounts-ranking-page__container"],[1,"deposit-accounts-ranking-page__header"],[3,"items"],[1,"deposit-accounts-ranking-page__title"],["aria-label","Podsumowanie rankingu",1,"deposit-accounts-ranking-page__answer-summary"],[1,"deposit-accounts-ranking-page__subtitle"],[1,"deposit-accounts-ranking-page__seo-description"],[1,"deposit-accounts-ranking-page__calculator"],[3,"deposits","compact"],[1,"deposit-accounts-ranking-page__content"],[1,"deposit-accounts-ranking-page__list"],["aria-label","Tabela por\xF3wnawcza lokat",1,"deposit-accounts-ranking-page__comparison-table"],["aria-label","Rodzaje lokat bankowych",1,"deposit-accounts-ranking-page__glossary"],["aria-label","Jak wybra\u0107 lokat\u0119",1,"deposit-accounts-ranking-page__glossary"],["href","/alfred"],["heading","Lokaty bankowe \u2014 najcz\u0119\u015Bciej zadawane pytania",3,"faqs"],["aria-label","Metodologia rankingu",1,"deposit-accounts-ranking-page__methodology"],["href","https://www.knf.gov.pl/podmioty/Podmioty_sektora_bankowego","rel","noopener","target","_blank"],["href","https://nbp.pl/polityka-pieniezna/decyzje-rpp/podstawowe-stopy-procentowe-nbp/","rel","noopener","target","_blank"],["href","https://www.bfg.pl/gwarantowanie-depozytow/","rel","noopener","target","_blank"],["href","/lokaty/faq"],[1,"deposit-accounts-ranking-page","deposit-accounts-ranking-page--no-min-height"],[3,"excludeUrl"],[3,"productTypes","banks"],[1,"deposit-accounts-ranking-page__answer-lead"],[1,"deposit-accounts-ranking-page__top-list"],[1,"deposit-accounts-ranking-page__update-info"],[3,"isMobile"],[3,"account","position"],[1,"deposit-accounts-ranking-page__table-wrapper"],["aria-label","Por\xF3wnanie najlepszych lokat bankowych w Polsce"],["scope","col"]],template:function(o,a){o&1&&(t(0,"app-navbar",0),M("contactButtonClicked",function(){return a.openContactDialog()})("promotionsTabClicked",function(){return a.navigateToMain()})("rankingTabClicked",function(){return a.navigateToPersonalRanking()})("savingRankingTabClicked",function(){return a.navigateToSavingRanking()})("depositRankingTabClicked",function(){return a.scrollToTop()})("businessRankingTabClicked",function(){return a.navigateToBusinessRanking()})("howItWorksTabClicked",function(){return a.navigateToMain()}
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1)("mobileAppClicked",function(){return a.navigateToMain()})("blogTabClicked",function(){return a.navigateToBlog()}),e(),t(1,"div",1)(2,"div",2)(3,"div",3),g(4,"app-breadcrumb",4),t(5,"h1",5),n(6,"Ranking lokat bankowych 2026"),e(),u(7,et,22,11,"section",6),t(8,"p",7),n(9," Por\xF3wnaj oprocentowanie lokat terminowych w polskich bankach. Znajd\u017A lokat\u0119 z najwy\u017Cszym zwrotem dopasowan\u0105 do Twojego bud\u017Cetu. "),e(),t(10,"div",8)(11,"p"),n(12," Gdzie za\u0142o\u017Cy\u0107 lokat\u0119 bankow\u0105 z najwy\u017Cszym oprocentowaniem? Nasz ranking lokat 2026 por\xF3wnuje oferty bank\xF3w w Polsce pod k\u0105tem oprocentowania nominalnego i rzeczywistego, minimalnej kwoty wp\u0142aty, d\u0142ugo\u015Bci okresu lokaty oraz warunk\xF3w wcze\u015Bniejszego zerwania. Sprawd\u017A aktualne stawki lokat kr\xF3tkoterminowych, \u015Brednioterminowych i d\u0142ugoterminowych, aby wybra\u0107 najbardziej op\u0142acaln\u0105 form\u0119 oszcz\u0119dzania. "),e(),t(13,"p"),n(14," Zestawiamy lokaty zak\u0142adane online i w oddzia\u0142ach, ze sta\u0142ym i zmiennym oprocentowaniem, a tak\u017Ce oferty promocyjne dla nowych klient\xF3w banku. Uwzgl\u0119dniamy czy lokata wymaga posiadania konta osobistego oraz czy odsetki podlegaj\u0105 automatycznej kapitalizacji. Ranking jest regularnie aktualizowany, dzi\u0119ki czemu zawsze widzisz najkorzystniejsze lokaty bankowe dost\u0119pne na rynku. "),e()()(),t(15,"div",9),g(16,"app-deposit-calculator",10),e(),t(17,"div",11),u(18,nt,3,0,"div",12)(19,rt,3,0,"div",12),e(),u(20,st,31,5,"section",13),t(21,"section",14)(22,"h2"),n(23,"Rodzaje lokat bankowych \u2014 kt\xF3ry typ wybra\u0107?"),e(),t(24,"p"),n(25," Polskie banki oferuj\u0105 kilka typ\xF3w lokat, kt\xF3re r\xF3\u017Cni\u0105 si\u0119 sposobem naliczania odsetek, wymaganiami wobec klienta i dost\u0119pno\u015Bci\u0105 \u015Brodk\xF3w. W naszym rankingu dominuj\u0105 lokaty terminowe oraz lokaty na nowe \u015Brodki \u2014 poni\u017Cej wyja\u015Bniamy wszystkie poj\u0119cia, na kt\xF3re natkniesz si\u0119 przy por\xF3wnywaniu ofert. "),e(),t(26,"h3"),n(27,"Lokata terminowa (standardowa)"),e(),t(28,"p"),n(29," Podstawowy produkt oszcz\u0119dno\u015Bciowy: wp\u0142acasz okre\u015Blon\u0105 kwot\u0119 na z g\xF3ry ustalony okres \u2014 od miesi\u0105ca do kilku lat \u2014 a bank w zamian nalicza odsetki wed\u0142ug ustalonej stawki. Odsetki s\u0105 wyp\u0142acane po zako\u0144czeniu lokaty, a wcze\u015Bniejsze zerwanie umowy oznacza zwykle ich utrat\u0119 (kapita\u0142 zawsze wraca do Ciebie w ca\u0142o\u015Bci). \u015Arodki na lokatach terminowych s\u0105 obj\u0119te gwarancj\u0105 Bankowego Funduszu Gwarancyjnego do r\xF3wnowarto\u015Bci 100 000 EUR na osob\u0119 w danym banku. "),e(),t(30,"h3"),n(31,"L
1okata na nowe \u015Brodki"),e(),t(32,"p"),n(33,' Najcz\u0119stszy typ lokaty promocyjnej w naszym rankingu. Podwy\u017Cszone oprocentowanie obowi\u0105zuje tylko dla pieni\u0119dzy, kt\xF3rych wcze\u015Bniej nie by\u0142o na Twoich rachunkach w danym banku \u2014 bank por\xF3wnuje saldo z konkretnego dnia (tzw. data odniesienia, zapisana w regulaminie) i \u201Enowymi \u015Brodkami" jest dopiero nadwy\u017Cka ponad t\u0119 kwot\u0119. W praktyce oznacza to przelew z innego banku. Cel jest prosty: bank p\u0142aci wy\u017Cej za \u015Bwie\u017Cy kapita\u0142, a obecni klienci nie dostan\u0105 promocyjnej stawki za pieni\u0105dze, kt\xF3re ju\u017C u niego trzymaj\u0105. Przed za\u0142o\u017Ceniem sprawd\u017A dat\u0119 odniesienia i maksymaln\u0105 kwot\u0119 obj\u0119t\u0105 promocj\u0105. '),e(),t(34,"h3"),n(35,"Lokata dla nowych klient\xF3w (powitalna)"),e(),t(36,"p"),n(37," Dost\u0119pna wy\u0142\u0105cznie dla os\xF3b, kt\xF3re wcze\u015Bniej nie korzysta\u0142y z produkt\xF3w danego banku. To zwykle najwy\u017Csze stawki na rynku, ale z ograniczeniami: kr\xF3tki okres (najcz\u0119\u015Bciej 2\u20136 miesi\u0119cy), limit kwoty i jednorazowo\u015B\u0107 \u2014 z promocji skorzystasz tylko raz. Cz\u0119sto warunkiem jest te\u017C za\u0142o\u017Cenie konta osobistego, co bywa okazj\u0105 sam\u0105 w sobie, je\u015Bli bank prowadzi r\xF3wnolegle promocj\u0119 z premi\u0105 za konto. "),e(),t(38,"h3"),n(39,"Lokata progresywna"),e(),t(40,"p"),n(41," Oprocentowanie ro\u015Bnie w kolejnych miesi\u0105cach trwania lokaty, np. od 3% w pierwszym do 8% w ostatnim. W reklamach banki eksponuj\u0105 najwy\u017Csz\u0105 stawk\u0119 z ko\u0144ca okresu, ale realny zysk wyznacza \u015Brednia ze wszystkich miesi\u0119cy \u2014 i t\u0119 warto\u015B\u0107 por\xF3wnuj z ofertami o sta\u0142ym oprocentowaniu. Zalet\u0105 lokat progresywnych bywa mo\u017Cliwo\u015B\u0107 wycofania \u015Brodk\xF3w bez utraty odsetek naliczonych za pe\u0142ne zako\u0144czone miesi\u0105ce (szczeg\xF3\u0142y zawsze w regulaminie). "),e(),t(42,"h3"),n(43,"Lokata rentierska"),e(),t(44,"p"),n(45," Odsetki s\u0105 wyp\u0142acane cyklicznie \u2014 co miesi\u0105c lub co kwarta\u0142 \u2014 zamiast jednorazowo na koniec. To rozwi\u0105zanie dla os\xF3b z wi\u0119kszym kapita\u0142em, kt\xF3re chc\u0105 regularnego dochodu z oszcz\u0119dno\u015Bci bez naruszania kapita\u0142u. W zamian za wygod\u0119 stawki bywaj\u0105 nieco ni\u017Csze ni\u017C w klasycznych lokatach terminowych o tym samym okresie. "),e(),t(46,"h3"),n(47,"Lokata walutowa"),e(),t(48,"p"),n(49," Prowadzona w obcej walucie, najcz\u0119\u015Bciej EUR, USD lub GBP. Oprocentowanie zale\u017Cy od st\xF3p procentowych banku centralnego danej waluty, wi\u0119c bywa ni\u017Csze ni\u017C na lokatach z\u0142otowych. Dochodzi te\u017C ryzyko kursowe: ostateczny wynik w przeliczeniu na z\u0142ote zale\u017Cy od kursu w dniu wyp\u0142aty \u2014 mo\u017Cesz zyska\u0107 na odsetkach, a straci\u0107 na kursie (albo odwrotnie). Od zysk\xF3w z lokat walutowych r\xF3wnie\u017C p\u0142acisz 19% podatku Belki. "),e(),t(50,"h3"),n(51,"Lokata strukturyzowana"),e(),t(52,"p"),n(53," Po\u0142\u0105czenie depozytu z inwestycj\u0105 w instrument finansowy (np. indeks gie\u0142dowy, surowce, kursy walut). Cz\u0119\u015B\u0107 kapita\u0142u jest zwykle chroniona, ale zysk nie jest gwarantowany \u2014 zale\u017Cy od zachowania instrumentu bazowego, a horyzont to najcz\u0119\u015Bciej 2\u20134 lata. To produkt inwestycyjny, a nie klasyczna lokata, dlatego nie znajdziesz go w naszym rankingu. "),e(),t(54,"h3"),n(55,"Lokata odnawialna i nieodnawialna"),e(),t(56,"p"),n(57," Ta cecha decyduje, co stanie si\u0119 z pieni\u0119dzmi po zako\u0144czeniu okresu. Lokata nieodnawialna ko\u0144czy si\u0119 wyp\u0142at\u0105 kapita\u0142u z odsetkami na Twoje konto. Odnawialna przed\u0142u\u017Ca si\u0119 automatycznie \u2014 ale niemal zawsze na standardowych, znacznie ni\u017Cszych warunkach ni\u017C promocyjna stawka, na kt\xF3r\u0105 si\u0119 zapisa\u0142e\u015B. Przy lokatach promocyjnych ustaw przypomnienie na koniec okresu i przenie\u015B \u015Brodki do aktualnie najlepszej oferty, zamiast zostawia\u0107 je na automatycznym odnowieniu. "),e()(),t(58,"section",15)(59,"h2"),n(60,"Jak wybra\u0107 lokat\u0119? Trzy rzeczy wa\u017Cnie
1jsze ni\u017C sama stawka"),e(),t(61,"p")(62,"strong"),n(63,"Policz zysk netto, nie brutto."),e(),n(64," Realny zysk z lokaty to: kwota \xD7 oprocentowanie \xD7 liczba miesi\u0119cy / 12, pomniejszone o 19% podatku Belki. Przyk\u0142ad: 10 000 z\u0142 na 6 miesi\u0119cy przy stawce 6% w skali roku daje 300 z\u0142 odsetek brutto, czyli 243 z\u0142 netto. Kalkulator na g\xF3rze tej strony liczy to automatycznie dla ka\u017Cdej oferty z rankingu. "),e(),t(65,"p")(66,"strong"),n(67,"Dopasuj okres do swoich plan\xF3w i cyklu st\xF3p procentowych."),e(),n(68,' Wcze\u015Bniejsze zerwanie lokaty oznacza zwykle utrat\u0119 wszystkich odsetek, wi\u0119c zamra\u017Caj tylko pieni\u0105dze, kt\xF3rych na pewno nie b\u0119dziesz potrzebowa\u0107. Gdy rynek oczekuje obni\u017Cek st\xF3p NBP, banki jako pierwsze tn\u0105 stawki lokat d\u0142ugoterminowych \u2014 wtedy d\u0142u\u017Csza lokata pozwala \u201Ezamrozi\u0107" wy\u017Csz\u0105 stawk\u0119 na d\u0142u\u017Cej, a kr\xF3tsza daje elastyczno\u015B\u0107. '),e(),t(69,"p")(70,"strong"),n(71,"Czytaj warunki dodatkowe."),e(),n(72," Najwy\u017Csze stawki niemal zawsze maj\u0105 haczyk: wym\xF3g nowych \u015Brodk\xF3w, konieczno\u015B\u0107 za\u0142o\u017Cenia konta osobistego, aktywacj\u0119 w aplikacji mobilnej albo limit kwoty. Nie wszystkie z nich wida\u0107 w karcie oferty, dlatego przed za\u0142o\u017Ceniem lokaty sprawd\u017A regulamin na stronie banku \u2014 a je\u015Bli co\u015B jest niejasne, zapytaj "),t(73,"a",16),n(74,"AIfreda"),e(),n(75,". "),e()(),u(76,pt,1,1,"app-ranking-faq-section",17),t(77,"section",18)(78,"h2"),n(79,"Metodologia rankingu lokat"),e(),t(80,"p"),n(81),t(82,"a",19),n(83,"Komisj\u0119 Nadzoru Finansowego (KNF)"),e(),n(84,", oraz zagranicznych, dzia\u0142aj\u0105cych w Polsce pod nadzorem kraju swojej siedziby. Ka\u017Cda lokata jest oceniana w skali 0\u2013100 na podstawie oprocentowania nominalnego, okresu lokaty, minimalnej kwoty wp\u0142aty oraz dodatkowych warunk\xF3w. "),e(),t(85,"p"),n(86," Aktualna "),t(87,"a",20),n(88,"stopa referencyjna NBP"),e(),n(89," wp\u0142ywa bezpo\u015Brednio na oprocentowanie lokat bankowych. Podatek od zysk\xF3w kapita\u0142owych (podatek Belki) wynosi 19% i banki krajowe pobieraj\u0105 go automatycznie; banki zagraniczne mog\u0105 rozlicza\u0107 podatek inaczej \u2014 sprawd\u017A to w regulaminie lokaty. Depozyty w bankach krajowych do r\xF3wnowarto\u015Bci 100 000 EUR gwarantuje "),t(90,"a",21),n(91,"Bankowy Fundusz Gwarancyjny (BFG)"),e(),n(92,". Depozyty w bankach zagranicznych chroni system gwarancji kraju, w kt\xF3rym bank ma siedzib\u0119. "),e(),t(93,"p"),n(94," Serwis utrzymuje si\u0119 z afiliacji \u2014 mo\u017Cemy otrzyma\u0107 prowizj\u0119 od banku, gdy skorzystasz z naszego linku. "),e(),t(95,"p"),n(96," Masz pytania? Zobacz "),t(97,"a",22),n(98,"najcz\u0119\u015Bciej zadawane pytania o lokatach bankowych"),e(),n(99,". "),e()()()(),t(100,"div",23)(101,"div",2),g(102,"app-ranking-app-cta")(103,"app-ranking-interlinking",24),e()(),g(104,"app-footer-with-banks",25)(105,"app-footer-with-mobile-app")),o&2&&(w("defaultTab","ranking-lokat")("isDetailsPage",!0),c(4),w("items",a.breadcrumbItems),c(3),m(a.topAccount()?7:-1),c(9),w("deposits",a.accounts())("compact",!0),c(2),m(a.isLoading()?18:19),c(2),m(!a.isLoading()&&a.accounts().length>0?20:-1),c(56),m(a.faqs().length>0?76:-1),c(5),d(" Ranking lokat bankowych RozbijBank uwzgl\u0119dnia oferty ",a.uniqueBanksCount()," bank\xF3w dost\u0119pnych w Polsce: krajowych, nadzorowanych przez "),c(22),w("excludeUrl","/ranking-lokat"),c(),w("productTypes",a.productTypes())("banks",a.banks()))},dependencies:[O,xe,ve,Pe,U,$,Me,Se,Oe,je,Ee,De],styles:['@charset "UTF-8";.deposit-accounts-ranking-page[_ngcontent-%COMP%]{display:flex;justify-content:center;padding:40px 20px;background-color:#f9fafb;min-height:calc(100vh - 200px)}.deposit-accounts-ranking-page__container[_ngcontent-%COMP%]{width:70vw;max-width:1500px}@media screen and (max-width: 1550px){.deposit-accounts-ranking-page__container[_ngcontent-%COMP%]{width:80vw}}@media screen and (max-width: 1280px){.deposit-accounts-ranking-page__container[_ngcontent-%COMP%]{width:90vw}}@media screen and (max-width: 400px){.deposit-accounts-ranking-page__container[_ngcontent-%COMP%]{width:95vw}}.deposit-accounts-ranking-page__title[_ngcontent-%COMP%]{font-size:2.5rem;font-weight:700;color:#141924;margin:0 0 16px}.deposit-accounts-ranking-page__subtitle[_ngcontent-%COMP%]{font-size:1.1rem;color:#3d4f71;margin:0}.deposit-accounts-ranking-page__seo-description[_ngcontent-%COMP%]{margin-top:20px;color:#5e6e8d;font-size:.9rem;line-height:1.7}.deposit-accounts-ranking-page__seo-description[_ngcontent-%COMP%] p[_ngcontent-%COMP%]{margin:0 0 8px}
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a[_ngcontent-%COMP%]{color:#0065ff;text-decoration:none}.deposit-accounts-ranking-page__methodology[_ngcontent-%COMP%] a[_ngcontent-%COMP%]:hover{text-decoration:underline}.deposit-accounts-ranking-page--no-min-height[_ngcontent-%COMP%]{min-height:auto;padding-top:0;padding-bottom:0}@media screen and (max-width: 959.98px){.deposit-accounts-ranking-page[_ngcontent-%COMP%]{padding:20px 16px}.deposit-accounts-ranking-page__title[_ngcontent-%COMP%]{font-size:1.8rem}.deposit-accounts-ranking-page__subtitle[_ngcontent-%COMP%]{font-size:1rem}.deposit-accounts-ranking-page__content[_ngcontent-%COMP%]{margin-top:24px}.deposit-accounts-ranking-page__list[_ngcontent-%COMP%]{gap:16px}.deposit-accounts-ranking-page__answer-summary[_ngcontent-%COMP%]{padding:16px}.deposit-accounts-ranking-page__answer-lead[_ngcontent-%COMP%]{font-size:.95rem}.deposit-accounts-ranking-page__comparison-table[_ngcontent-%COMP%], 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Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.