{"id":10405,"date":"2024-07-31T19:53:33","date_gmt":"2024-07-31T17:53:33","guid":{"rendered":"https:\/\/rankomat.pl\/finanse\/?page_id=10405"},"modified":"2026-07-23T09:43:57","modified_gmt":"2026-07-23T07:43:57","slug":"lokaty-oszczednosciowe","status":"publish","type":"page","link":"https:\/\/rankomat.pl\/finanse\/banki\/santander-consumer-bank\/lokaty-oszczednosciowe\/","title":{"rendered":"Lokaty oszcz\u0119dno\u015bciowe w Santander Consumer Banku"},"content":{"rendered":"<p><strong>Santander Consumer Bank oferuje lokaty terminowe i konta oszcz\u0119dno\u015bciowe przeznaczone zar\u00f3wno dla nowych, jak i obecnych klient\u00f3w. W\u015br\u00f3d dost\u0119pnych propozycji znajduj\u0105 si\u0119 standardowe produkty oszcz\u0119dno\u015bciowe, a wybrane z nich mo\u017cna otworzy\u0107 na okresowo obowi\u0105zuj\u0105cych warunkach promocyjnych.<\/strong><\/p>\n<p><!--more--><\/p>\n<h2>Jakie lokaty oferuje Santander Consumer Bank?<\/h2>\n<p>Oferta banku obejmuje kilka rodzaj\u00f3w lokat terminowych, r\u00f3\u017cni\u0105cych si\u0119 m.in. okresem oszcz\u0119dzania, wysoko\u015bci\u0105 oprocentowania i zasadami otwarcia.<\/p>\n<script type=\"module\" crossorigin src=\"https:\/\/rankomat.pl\/finanse\/wp-content\/themes\/finanse\/assets\/vue3\/dist\/UniversalShortcode\/UniversalShortcode.js\"><\/script>\n<link rel=\"modulepreload\" crossorigin href=\"https:\/\/rankomat.pl\/finanse\/wp-content\/themes\/finanse\/assets\/vue3\/dist\/_plugin-vue_export-helper\/_plugin-vue_export-helper.js\">\n<link rel=\"modulepreload\" crossorigin href=\"https:\/\/rankomat.pl\/finanse\/wp-content\/themes\/finanse\/assets\/vue3\/dist\/finanseRequest\/finanseRequest.js\">\n<link rel=\"modulepreload\" crossorigin href=\"https:\/\/rankomat.pl\/finanse\/wp-content\/themes\/finanse\/assets\/vue3\/dist\/ActionButton\/ActionButton.js\">\n<link rel=\"modulepreload\" crossorigin href=\"https:\/\/rankomat.pl\/finanse\/wp-content\/themes\/finanse\/assets\/vue3\/dist\/ComparatorTiptool\/ComparatorTiptool.js\">\n<link rel=\"modulepreload\" crossorigin href=\"https:\/\/rankomat.pl\/finanse\/wp-content\/themes\/finanse\/assets\/vue3\/dist\/OfferLoader\/OfferLoader.js\">\n<link rel=\"modulepreload\" crossorigin href=\"https:\/\/rankomat.pl\/finanse\/wp-content\/themes\/finanse\/assets\/vue3\/dist\/customFilters\/customFilters.js\">\n<link rel=\"stylesheet\" crossorigin href=\"https:\/\/rankomat.pl\/finanse\/wp-content\/themes\/finanse\/assets\/vue3\/dist\/ActionButton\/ActionButton.css\">\n<link rel=\"stylesheet\" crossorigin href=\"https:\/\/rankomat.pl\/finanse\/wp-content\/themes\/finanse\/assets\/vue3\/dist\/ComparatorTiptool\/ComparatorTiptool.css\">\n<link rel=\"stylesheet\" crossorigin href=\"https:\/\/rankomat.pl\/finanse\/wp-content\/themes\/finanse\/assets\/vue3\/dist\/OfferLoader\/OfferLoader.css\">\n<link rel=\"stylesheet\" crossorigin href=\"https:\/\/rankomat.pl\/finanse\/wp-content\/themes\/finanse\/assets\/vue3\/dist\/UniversalShortcode\/UniversalShortcode.css\">\n\n<div id=\"universal-shortcode-app\" class=\"universal-shortcode-app\" data-type=\"LOK\" data-rank=\"1\" data-bank-id=\"22\" data-top=\"3\"><!--[--><div class=\"shortcode-wrapper\" data-v-979c2a70><!--[--><div data-v-979c2a70><div type=\"LOK\" endtext=\"false\" data-v-979c2a70><div><!--[--><!--[--><div class=\"offerbox-title\" data-v-0241b46d>Ranking lokat bankowych<\/div><div class=\"offerbox\" data-v-0241b46d><div class=\"offerbox-header\" data-v-0241b46d><div class=\"label-green offerbox-label position\" data-v-0241b46d>1. <\/div><!----><span data-v-0241b46d>Lokata Online Nowe \u015arodki w Santander Consumer Bank<\/span><\/div><div class=\"offerbox-body\" data-v-0241b46d><div class=\"offerbox-logo\" data-v-0241b46d><div class=\"logo-box\" data-v-0241b46d><img decoding=\"async\" src=\"https:\/\/finpanel10.rankolabs.net\/assets\/ead538d4-6e6a-492e-b02a-a07979fb2be1\" alt=\"Santander Consumer Bank\" aria-hidden=\"true\" data-v-0241b46d><\/div><!----><div class=\"param-item mobile-param-item\" data-v-0241b46d><div class=\"param-label\" data-v-0241b46d>Kwota<\/div><div class=\"param-value\" data-v-0241b46d><div data-v-0241b46d>do 400\u00a0000 z\u0142<\/div><!----><\/div><\/div><\/div><div class=\"offerbox-params\" data-v-0241b46d><div class=\"offerbox-row top-row\" data-v-0241b46d><div class=\"main-params\" data-v-0241b46d><!--[--><div class=\"first-param-item param-item\" data-v-0241b46d><div class=\"param-label\" data-v-0241b46d>Kwota<\/div><div class=\"param-value\" data-v-0241b46d><div data-v-0241b46d>do 400\u00a0000 z\u0142<\/div><!----><\/div><\/div><div class=\"param-item\" data-v-0241b46d><div class=\"param-label\" data-v-0241b46d>Okres<\/div><div class=\"param-value\" data-v-0241b46d><div data-v-0241b46d>1 mies.<\/div><!----><\/div><\/div><div class=\"param-item\" data-v-0241b46d><div class=\"param-label\" data-v-0241b46d>Oprocentowanie<\/div><div class=\"param-value\" data-v-0241b46d><div data-v-0241b46d>2.00%<\/div><!----><\/div><\/div><!--]--><\/div><!----><div class=\"offerbox-cta\" data-v-0241b46d><a class=\"action-button pill secondary small\" href=\"https:\/\/rankomat.pl\/finanse\/redirect\/shortcode\/lokaty\/Lokata-Online-Nowe-Srodki\/221\/santander-consumer-bank?refurl=\" target=\"_blank\" rel=\"nofollow\" data-v-0241b46d data-v-de7c155d><!--[-->Za\u0142\u00f3\u017c lokat\u0119<!--]--><\/a><\/div><\/div><div class=\"offerbox-row\" data-v-0241b46d><div class=\"main-promo main-promo-desktop\" data-v-0241b46d><!----><\/div><div class=\"details-toggle\" data-v-0241b46d>Rozwi\u0144 szczeg\u00f3\u0142y <span class=\"arrow down\" data-v-0241b46d><\/span><\/div><\/div><\/div><\/div><div class=\"offerbox-details\" data-v-0241b46d><!--[--><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Oprocentowanie lokaty<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>2.00 %<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Zakres kwotowy<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>1\u00a0000 - 400\u00a0000 z\u0142<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Okres lokaty<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>1 mies.<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Oferta tylko dla nowych klient\u00f3w<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>Nie<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Wymagane konto bankowe<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>Nie<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Rodzaj oprocentowania<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>sta\u0142e<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Kapitalizacja odsetek<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d><\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Konsekwencje zerwania przed terminem<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>ca\u0142kowita utrata odsetek<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Bezpiecze\u0144stwo wk\u0142adu<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>Bankowy Fundusz Gwarancyjny - gwarancja do 100 000 euro<\/div><!----><\/div><\/div><!--]--><!----><\/div><\/div><!--]--><!--[--><!----><div class=\"offerbox\" data-v-0241b46d><div class=\"offerbox-header\" data-v-0241b46d><div class=\"label-green offerbox-label position\" data-v-0241b46d>2. <\/div><!----><span data-v-0241b46d>Lokata Online Nowe \u015arodki w Santander Consumer Bank<\/span><\/div><div class=\"offerbox-body\" data-v-0241b46d><div class=\"offerbox-logo\" data-v-0241b46d><div class=\"logo-box\" data-v-0241b46d><img decoding=\"async\" src=\"https:\/\/finpanel10.rankolabs.net\/assets\/ead538d4-6e6a-492e-b02a-a07979fb2be1\" alt=\"Santander Consumer Bank\" aria-hidden=\"true\" data-v-0241b46d><\/div><!----><div class=\"param-item mobile-param-item\" data-v-0241b46d><div class=\"param-label\" data-v-0241b46d>Kwota<\/div><div class=\"param-value\" data-v-0241b46d><div data-v-0241b46d>do 400\u00a0000 z\u0142<\/div><!----><\/div><\/div><\/div><div class=\"offerbox-params\" data-v-0241b46d><div class=\"offerbox-row top-row\" data-v-0241b46d><div class=\"main-params\" data-v-0241b46d><!--[--><div class=\"first-param-item param-item\" data-v-0241b46d><div class=\"param-label\" data-v-0241b46d>Kwota<\/div><div class=\"param-value\" data-v-0241b46d><div data-v-0241b46d>do 400\u00a0000 z\u0142<\/div><!----><\/div><\/div><div class=\"param-item\" data-v-0241b46d><div class=\"param-label\" data-v-0241b46d>Okres<\/div><div class=\"param-value\" data-v-0241b46d><div data-v-0241b46d>4 mies.<\/div><!----><\/div><\/div><div class=\"param-item\" data-v-0241b46d><div class=\"param-label\" data-v-0241b46d>Oprocentowanie<\/div><div class=\"param-value\" data-v-0241b46d><div data-v-0241b46d>3.40%<\/div><!----><\/div><\/div><!--]--><\/div><!----><div class=\"offerbox-cta\" data-v-0241b46d><a class=\"action-button pill secondary small\" href=\"https:\/\/rankomat.pl\/finanse\/redirect\/shortcode\/lokaty\/Lokata-Online-Nowe-Srodki\/171\/santander-consumer-bank?refurl=\" target=\"_blank\" rel=\"nofollow\" data-v-0241b46d data-v-de7c155d><!--[-->Za\u0142\u00f3\u017c lokat\u0119<!--]--><\/a><\/div><\/div><div class=\"offerbox-row\" data-v-0241b46d><div class=\"main-promo main-promo-desktop\" data-v-0241b46d><!----><\/div><div class=\"details-toggle\" data-v-0241b46d>Rozwi\u0144 szczeg\u00f3\u0142y <span class=\"arrow down\" data-v-0241b46d><\/span><\/div><\/div><\/div><\/div><div class=\"offerbox-details\" data-v-0241b46d><!--[--><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Oprocentowanie lokaty<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>3.40 %<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Zakres kwotowy<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>1\u00a0000 - 400\u00a0000 z\u0142<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Okres lokaty<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>4 mies.<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Oferta tylko dla nowych klient\u00f3w<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>Nie<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Wymagane konto bankowe<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>Nie<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Rodzaj oprocentowania<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>sta\u0142e<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Kapitalizacja odsetek<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d><\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Konsekwencje zerwania przed terminem<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>ca\u0142kowita utrata odsetek<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Bezpiecze\u0144stwo wk\u0142adu<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>Bankowy Fundusz Gwarancyjny - gwarancja do 100 000 euro<\/div><!----><\/div><\/div><!--]--><!----><\/div><\/div><!--]--><!--[--><!----><div class=\"offerbox\" data-v-0241b46d><div class=\"offerbox-header\" data-v-0241b46d><div class=\"label-green offerbox-label position\" data-v-0241b46d>3. <\/div><!----><span data-v-0241b46d>Rachunek Oszcz\u0119dno\u015bciowy w Santander Consumer Bank<\/span><\/div><div class=\"offerbox-body\" data-v-0241b46d><div class=\"offerbox-logo\" data-v-0241b46d><div class=\"logo-box\" data-v-0241b46d><img decoding=\"async\" src=\"https:\/\/finpanel10.rankolabs.net\/assets\/ead538d4-6e6a-492e-b02a-a07979fb2be1\" alt=\"Santander Consumer Bank\" aria-hidden=\"true\" data-v-0241b46d><\/div><!----><div class=\"param-item mobile-param-item\" data-v-0241b46d><div class=\"param-label\" data-v-0241b46d>Kwota<\/div><div class=\"param-value\" data-v-0241b46d><div data-v-0241b46d>do 50\u00a0000 z\u0142<\/div><!----><\/div><\/div><\/div><div class=\"offerbox-params\" data-v-0241b46d><div class=\"offerbox-row top-row\" data-v-0241b46d><div class=\"main-params\" data-v-0241b46d><!--[--><div class=\"first-param-item param-item\" data-v-0241b46d><div class=\"param-label\" data-v-0241b46d>Kwota<\/div><div class=\"param-value\" data-v-0241b46d><div data-v-0241b46d>do 50\u00a0000 z\u0142<\/div><!----><\/div><\/div><div class=\"param-item\" data-v-0241b46d><div class=\"param-label\" data-v-0241b46d>Okres<\/div><div class=\"param-value\" data-v-0241b46d><div data-v-0241b46d>1 mies.<\/div><!----><\/div><\/div><div class=\"param-item\" data-v-0241b46d><div class=\"param-label\" data-v-0241b46d>Oprocentowanie<\/div><div class=\"param-value\" data-v-0241b46d><div data-v-0241b46d>3.50%<\/div><!----><\/div><\/div><!--]--><\/div><!----><div class=\"offerbox-cta\" data-v-0241b46d><a class=\"action-button pill secondary small\" href=\"https:\/\/rankomat.pl\/finanse\/redirect\/shortcode\/lokaty\/Rachunek-Oszczednosciowy\/160\/santander-consumer-bank?refurl=\" target=\"_blank\" rel=\"nofollow\" data-v-0241b46d data-v-de7c155d><!--[-->Za\u0142\u00f3\u017c lokat\u0119<!--]--><\/a><\/div><\/div><div class=\"offerbox-row\" data-v-0241b46d><div class=\"main-promo main-promo-desktop\" data-v-0241b46d><!----><\/div><div class=\"details-toggle\" data-v-0241b46d>Rozwi\u0144 szczeg\u00f3\u0142y <span class=\"arrow down\" data-v-0241b46d><\/span><\/div><\/div><\/div><\/div><div class=\"offerbox-details\" data-v-0241b46d><!--[--><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Oprocentowanie lokaty<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>3.50 %<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Zakres kwotowy<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>5\u00a0000 - 50\u00a0000 z\u0142<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Okres lokaty<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>1 mies.<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Oferta tylko dla nowych klient\u00f3w<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>Tak<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Wymagane konto bankowe<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>Nie<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Rodzaj oprocentowania<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>sta\u0142e<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Kapitalizacja odsetek<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>na koniec okresu<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Konsekwencje zerwania przed terminem<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>Klient zachowuje wszystkie naliczone odsetki<\/div><!----><\/div><\/div><div class=\"detail-row\" data-v-0241b46d><div class=\"detail-label\" data-v-0241b46d><div data-v-0241b46d>Bezpiecze\u0144stwo wk\u0142adu<\/div><\/div><div class=\"detail-value\" data-v-0241b46d><div data-v-0241b46d>gwarancja do 100 000 euro<\/div><!----><\/div><\/div><!--]--><!----><\/div><\/div><!--]--><!--]--><\/div><\/div><\/div><!--]--><\/div><!--]--><\/div>\n<h2>Jak otworzy\u0107 lokat\u0119 terminow\u0105 w Santander Consumer Bank?<\/h2>\n<p>Lokat\u0119 terminow\u0105 w Santander Consumer Banku mo\u017cesz za\u0142o\u017cy\u0107 na kilka sposob\u00f3w:<\/p>\n<ul>\n<li>przez internet,<\/li>\n<li>mobilnie<\/li>\n<li>w plac\u00f3wce banku<\/li>\n<li>lub za po\u015brednictwem infolinii.<\/li>\n<\/ul>\n<p>Dost\u0119pno\u015b\u0107 poszczeg\u00f3lnych kana\u0142\u00f3w mo\u017ce zale\u017ce\u0107 od rodzaju wybranej lokaty oraz warunk\u00f3w aktualnej oferty.<\/p>\n<h2>Jakie jest oprocentowanie lokat terminowych w Santander Consumer Banku?<\/h2>\n<p>Oprocentowanie lokat terminowych w Santander Consumer Banku zale\u017cy m.in. od okresu trwania depozytu oraz warunk\u00f3w danej oferty, a tak\u017ce obowi\u0105zuj\u0105cej wysoko\u015bci st\u00f3p procentowych. Wybrane produkty mog\u0105 by\u0107 dost\u0119pne na warunkach promocyjnych, dlatego przed za\u0142o\u017ceniem lokaty warto sprawdzi\u0107 aktualn\u0105 tabel\u0119 oprocentowania i zasady naliczania odsetek.<\/p>\n<h3>Kto mo\u017ce za\u0142o\u017cy\u0107 lokat\u0119 terminow\u0105 w Santander Consumer Banku?<\/h3>\n<p>Lokat\u0119 terminow\u0105 w Santander Consumer Banku mo\u017ce za\u0142o\u017cy\u0107 osoba pe\u0142noletnia, posiadaj\u0105ca pe\u0142n\u0105 zdolno\u015b\u0107 do czynno\u015bci prawnych. Poniewa\u017c lokata jest produktem oszcz\u0119dno\u015bciowym, jej otwarcie nie wymaga posiadania zdolno\u015bci kredytowej. Wystarczy dysponowa\u0107 minimaln\u0105 kwot\u0105 wymagan\u0105 do za\u0142o\u017cenia depozytu. Szczeg\u00f3\u0142owe warunki mog\u0105 jednak zale\u017ce\u0107 od wybranego produktu oraz sposobu otwarcia lokaty.<\/p>\n<h3>Czy mo\u017cna za\u0142o\u017cy\u0107 lokat\u0119 bez konta osobistego w Santander Consumer Banku?<\/h3>\n<p>Tak, lokat\u0119 w Santander Consumer Banku mo\u017cesz za\u0142o\u017cy\u0107 bez otwierania konta osobistego. W przypadku lokaty online potrzebujesz jednak rachunku w innym banku, nale\u017c\u0105cego do Ciebie, z kt\u00f3rego przelejesz \u015brodki na depozyt. Po zako\u0144czeniu depozytu kapita\u0142 wraz z odsetkami zostanie przekazany na wskazane przez Ciebie konto bankowe. W przypadku lokat otwieranych w oddziale, dost\u0119pna jest r\u00f3wnie\u017c mo\u017cliwo\u015b\u0107 wp\u0142at lub wyp\u0142at got\u00f3wkowych.<\/p>\n<h3>Jakie s\u0105 konsekwencje zerwania lokaty przed czasem w Santander Consumer Banku?<\/h3>\n<p>Wcze\u015bniejsze zerwanie wi\u0119kszo\u015bci lokat w Santander Consumer Banku oznacza utrat\u0119 wypracowanych odsetek. Bank zwraca w takiej sytuacji jedynie wp\u0142acony kapita\u0142 bez odsetek. Wyj\u0105tkiem jest lokata progresywna (Zysk+ Progresja), w przypadku kt\u00f3rej zachowasz odsetki naliczone za ka\u017cdy pe\u0142ny, zako\u0144czony miesi\u0105c trwania depozytu.<\/p>\n<h3>Ile kosztuje za\u0142o\u017cenie lokaty terminowej w Santander Consumer Banku?<\/h3>\n<p>Za\u0142o\u017cenie i prowadzenie lokaty terminowej w Santander Consumer Banku nie wi\u0105\u017ce si\u0119 z \u017cadnymi op\u0142atami. Aby otworzy\u0107 depozyt, trzeba jednak wp\u0142aci\u0107 co najmniej minimaln\u0105 kwot\u0119 okre\u015blon\u0105 dla wybranego produktu. Bank od powierzonego kapita\u0142u naliczy odsetki zgodnie z oprocentowaniem i warunkami zapisanymi w umowie. Natomiast w przypadku wcze\u015bniejszego zerwania lokaty, co do zasady otrzymasz zwrot tylko samego kapita\u0142u bez odsetek.<\/p>\n<h2>FAQ &#8211; najcz\u0119\u015bciej zadawane pytania<\/h2>\n<h3>Czy zyski z lokaty s\u0105 opodatkowane?<\/h3>\n<p>Odsetki wypracowane na lokacie opodatkowane s\u0105 podatkiem od zysk\u00f3w kapita\u0142owych, zwanym potocznie podatkiem Belki. Bank nalicza i pobiera go automatycznie, dlatego po zako\u0144czeniu lokaty otrzymasz wp\u0142acony kapita\u0142 oraz odsetki pomniejszone ju\u017c o nale\u017cny podatek. Podatek od zysk\u00f3w kapita\u0142owych wynosi 19% i liczony jest od kwoty wypracowanych odsetek.<\/p>\n<h3>Kiedy lepsza jest lokata, a kiedy konto oszcz\u0119dno\u015bciowe?<\/h3>\n<p>Lokata mo\u017ce by\u0107 dobrym wyborem, je\u015bli chcesz od\u0142o\u017cy\u0107 pieni\u0105dze na okre\u015blony czas i nie planujesz korzysta\u0107 z nich przed tym terminem. Konto oszcz\u0119dno\u015bciowe zapewnia natomiast wi\u0119ksz\u0105 elastyczno\u015b\u0107, poniewa\u017c umo\u017cliwia wp\u0142acanie i wyp\u0142acanie \u015brodk\u00f3w bez konieczno\u015bci zamykania produktu i utraty wypracowanych odsetek. Wyb\u00f3r zale\u017cy wi\u0119c przede wszystkim od tego, czy wa\u017cniejsze jest dla Ciebie przewidywalne oszcz\u0119dzanie, czy swobodny dost\u0119p do pieni\u0119dzy.<\/p>\n<h3>Na czym polega kapitalizacja odsetek przy lokacie bankowej?<\/h3>\n<p>Kapitalizacja odsetek polega na dopisaniu wypracowanych odsetek do kapita\u0142u lokaty. Najcz\u0119\u015bciej ma to miejsce po zako\u0144czeniu okresu lokaty. W takiej sytuacji masz do czynienia z jednorazow\u0105 kapitalizacj\u0105 odsetek.<\/p>\n<h3>Czy lokaty w Santander Consumer Banku s\u0105 bezpieczne?<\/h3>\n<p>Tak, ale do okre\u015blonej kwoty. Pieni\u0105dze deponowane na lokatach w Santander Consumer Banku s\u0105 chronione przez Bankowy Fundusz Gwarancyjny, kt\u00f3ry gwarantuje zwrot \u015brodk\u00f3w do r\u00f3wnowarto\u015bci 100 000 euro na jednego deponenta w przypadku niewyp\u0142acalno\u015bci banku.<\/p>\n<h3>Czy Santander Consumer Bank oferuje promocyjne warunki lokat?<\/h3>\n<p>Wybrane lokaty oferowane przez Santander Consumer Bank mog\u0105 by\u0107 dost\u0119pne na preferencyjnych warunkach, np. dla nowych \u015brodk\u00f3w. Uzyskanie podwy\u017cszonego oprocentowania mo\u017ce jednak wymaga\u0107 spe\u0142nienia dodatkowych warunk\u00f3w, takich jak udzielenie zg\u00f3d marketingowych lub za\u0142o\u017cenie lokaty w okre\u015blonym kanale.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Santander Consumer Bank oferuje lokaty terminowe i konta oszcz\u0119dno\u015bciowe przeznaczone zar\u00f3wno dla nowych, jak i obecnych klient\u00f3w. W\u015br\u00f3d dost\u0119pnych propozycji [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":0,"parent":859,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page_bank_product.php","meta":{"_acf_changed":false,"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"class_list":["post-10405","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lokaty oszcz\u0119dno\u015bciowe w Santander Consumer Banku | Por\u00f3wnywarka finansowa Rankomat<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rankomat.pl\/finanse\/banki\/santander-consumer-bank\/lokaty-oszczednosciowe\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lokaty oszcz\u0119dno\u015bciowe w Santander Consumer Banku | Por\u00f3wnywarka finansowa Rankomat\" \/>\n<meta property=\"og:description\" content=\"Santander Consumer Bank oferuje lokaty terminowe i konta oszcz\u0119dno\u015bciowe przeznaczone zar\u00f3wno dla nowych, jak i obecnych klient\u00f3w. W\u015br\u00f3d dost\u0119pnych propozycji [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rankomat.pl\/finanse\/banki\/santander-consumer-bank\/lokaty-oszczednosciowe\/\" \/>\n<meta property=\"og:site_name\" content=\"Por\u00f3wnywarka finansowa Rankomat\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/rankomatpl\/\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-23T07:43:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rankomat.pl\/finanse\/wp-content\/uploads\/2021\/03\/rankomat-star-og.png\" \/>\n\t<meta property=\"og:image:width\" content=\"480\" \/>\n\t<meta property=\"og:image:height\" content=\"320\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@rankomat\" \/>\n<meta name=\"twitter:label1\" content=\"Szacowany czas czytania\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/rankomat.pl\\\/finanse\\\/banki\\\/santander-consumer-bank\\\/lokaty-oszczednosciowe\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Finanse\",\"item\":\"https:\\\/\\\/rankomat.pl\\\/finanse\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Banki\",\"item\":\"https:\\\/\\\/rankomat.pl\\\/finanse\\\/banki\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Santander Consumer Bank\",\"item\":\"https:\\\/\\\/rankomat.pl\\\/finanse\\\/banki\\\/santander-consumer-bank\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Lokaty oszcz\u0119dno\u015bciowe w Santander Consumer Banku\"}]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Lokaty oszcz\u0119dno\u015bciowe w Santander Consumer Banku | Por\u00f3wnywarka finansowa Rankomat","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/rankomat.pl\/finanse\/banki\/santander-consumer-bank\/lokaty-oszczednosciowe\/","og_locale":"pl_PL","og_type":"article","og_title":"Lokaty oszcz\u0119dno\u015bciowe w Santander Consumer Banku | Por\u00f3wnywarka finansowa Rankomat","og_description":"Santander Consumer Bank oferuje lokaty terminowe i konta oszcz\u0119dno\u015bciowe przeznaczone zar\u00f3wno dla nowych, jak i obecnych klient\u00f3w. W\u015br\u00f3d dost\u0119pnych propozycji [&hellip;]","og_url":"https:\/\/rankomat.pl\/finanse\/banki\/santander-consumer-bank\/lokaty-oszczednosciowe\/","og_site_name":"Por\u00f3wnywarka finansowa Rankomat","article_publisher":"https:\/\/www.facebook.com\/rankomatpl\/","article_modified_time":"2026-07-23T07:43:57+00:00","og_image":[{"width":480,"height":320,"url":"https:\/\/rankomat.pl\/finanse\/wp-content\/uploads\/2021\/03\/rankomat-star-og.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_site":"@rankomat","twitter_misc":{"Szacowany czas czytania":"4 minuty"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/rankomat.pl\/finanse\/banki\/santander-consumer-bank\/lokaty-oszczednosciowe\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Finanse","item":"https:\/\/rankomat.pl\/finanse\/"},{"@type":"ListItem","position":2,"name":"Banki","item":"https:\/\/rankomat.pl\/finanse\/banki\/"},{"@type":"ListItem","position":3,"name":"Santander Consumer Bank","item":"https:\/\/rankomat.pl\/finanse\/banki\/santander-consumer-bank\/"},{"@type":"ListItem","position":4,"name":"Lokaty oszcz\u0119dno\u015bciowe w Santander Consumer Banku"}]}]}},"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/rankomat.pl\/finanse\/wp-json\/wp\/v2\/pages\/10405","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rankomat.pl\/finanse\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/rankomat.pl\/finanse\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/rankomat.pl\/finanse\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/rankomat.pl\/finanse\/wp-json\/wp\/v2\/comments?post=10405"}],"version-history":[{"count":0,"href":"https:\/\/rankomat.pl\/finanse\/wp-json\/wp\/v2\/pages\/10405\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/rankomat.pl\/finanse\/wp-json\/wp\/v2\/pages\/859"}],"wp:attachment":[{"href":"https:\/\/rankomat.pl\/finanse\/wp-json\/wp\/v2\/media?parent=10405"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}