Polish savings bonds: types and interest rates
The savings bonds Poland's Ministry of Finance sells every month: their types, rates and terms from the issue letters, checked daily.
On sale: October 2026
sold 1–31 October 2026Unchanged from the previous month (September 2026): OTS, ROR, DOR, TOS, COI, ROS, EDO, ROD.
Bond | First period | After that | Interest |
|---|---|---|---|
| 3-month OTSOTS0127then: fixedinterest at maturity | 2.00% | fixed | at maturity |
| One-year RORROR1027then: NBP reference rateinterest monthly to your account | 4.00% | NBP reference rate | monthly to your account |
| 2-year DORDOR1028then: NBP reference rate + 0.15 ppinterest monthly to your account | 4.15% | NBP reference rate + 0.15 pp | monthly to your account |
| 3-year TOSTOS1029then: fixedinterest at maturity | 4.40% | fixed | at maturity |
| 4-year COICOI1030then: inflation + 1.50 ppinterest yearly to your account | 4.75% | inflation + 1.50 pp | yearly to your account |
| 6-year family ROSROS1032only with the right to the child benefitthen: inflation + 2.00 ppinterest at maturity | 5.00% | inflation + 2.00 pp | at maturity |
| 10-year EDOEDO1036then: inflation + 2.00 ppinterest at maturity | 5.35% | inflation + 2.00 pp | at maturity |
| 12-year family RODROD1038only with the right to the child benefitthen: inflation + 2.50 ppinterest at maturity | 5.60% | inflation + 2.50 pp | at maturity |
Types of bonds
- 3-month OTSFixed rate, interest at maturity.Terms and history
- One-year RORAfter the first period: NBP reference rate, interest monthly to your account.Terms and history
- 2-year DORAfter the first period: NBP reference rate + 0.15 pp, interest monthly to your account.Terms and history
- 3-year TOSFixed rate, interest at maturity.Terms and history
- 4-year COIAfter the first period: inflation + 1.50 pp, interest yearly to your account.Terms and history
- 6-year family ROSAfter the first period: inflation + 2.00 pp, interest at maturity.only with the right to the child benefitTerms and history
- 10-year EDOAfter the first period: inflation + 2.00 pp, interest at maturity.Terms and history
- 12-year family RODAfter the first period: inflation + 2.50 pp, interest at maturity.only with the right to the child benefitTerms and history
Earlier months
The series of every month in our data: the terms on the day of sale and the rates announced for later periods.
Frequently asked questions
Where can I buy Polish savings bonds?
Savings bonds are sold by the issue agents the issue letters name, PKO BP and Bank Pekao: at their points of sale, online and by phone. The family bonds ROS and ROD are sold only by PKO BP, at points of sale and online, to people entitled to the child benefit (świadczenie wychowawcze).
When is the interest paid?
It depends on the type. ROR and DOR pay interest monthly and COI yearly. OTS, TOS, EDO, ROS and ROD pay it at maturity, and in those longer than a year it is added to the capital every year.
What does early redemption cost?
Each series' issue letter sets the fee per bond; OTS has none, but redeemed early it pays no interest. The order can be placed 7 days after the purchase. Interest runs for 5 business days after the order, and the money arrives the business day after.
Source: Poland's Ministry of Finance, issue letters no. 94/2026, 95/2026, 96/2026, 97/2026, 98/2026, 99/2026, 100/2026, 101/2026 and interest tables, fetched 5 October 2026; recalculated by Broksy.
We describe the terms of issue and compute the interest by them. This is not investment advice or tax advice.