![The first deposit with an interest rate of 10%. per year. What awaits savers in 2023? [31.12.2022]](https://i0.wp.com/d-art.ppstatic.pl/kadry/k/r/1/7f/02/63aeb5ada6ebf_o_original.jpg?fit=%2C&ssl=1 "The first deposit with an interest rate of 10%. per year. What awaits savers in 2023? [31.12.2022]")
According to analysts, from the point of view of savers, the changes in the deposit market are no longer clearly positive. Several institutions are trying to tempt us with the promise of an interest rate above 8% and one of the banks has offered a deposit with an interest rate of 10%. per year. However, on the other hand, there are also those who have worsened the supply of deposits in the last month. What will 2023 bring for savers? Much will depend on the decisions of the Monetary Policy Council.
Summary
– In recent days, contrary to our forecasts, one of the banks offered a deposit with an interest rate of 10%. per year. This offer clearly differs from the market standard. In the context of the best promotional products, institutions try deposits with rates no higher than 8-8.5%. per year – underline in their analysis Oskar Sekowski and Bartosz Turek of HRE Investments.
Experts often point this out offers with the best interest rates are subject to additional requirements (new client, new funds) or both sold with additional products (account, card, mobile application). The latter may incur monthly fees. “Lucky for those.” can mostly be avoided actively using, for example, a card or an account, they observe.
As Sękowski and Turek point out, the last deposit of Credit Agricole at 10 percent. per year is aimed at new customers. It can only be used using the mobile application and within 14 days of opening a new account.
