Polish 12-year family ROD savings bonds: rates, interest, early redemption
Bonds for 12 years with a rate linked to inflation. Interest is added to the capital every year and paid out at maturity.
Family bonds: only for people entitled to the child benefit (świadczenie wychowawcze).
Terms of the series on sale: ROD1038
October 2026- First year
- 5.60%
- from the issue letter
- Later years
- inflation + 2.50 pp
- annual inflation as GUS announces it in the month before the period begins
- Interest
- at maturity
- added to the capital every year
- Early redemption
- 3.00 zł per bond
- at most the interest accrued
When the interest arrives
- 1After year 1: 5.60 zł of interest per bond added to the capital.
- 2In later years interest is computed on the amount with the interest added, at the rate announced before the year begins (inflation + 2.50 pp).
- 3After year 12: 100.00 zł per bond paid out with all the interest.
The bond matures on the same day of the month as the purchase, after 12 years.
Early redemption
- The order can be placed 7 days after the purchase, and no later than 20 days before maturity.
- Interest runs for 5 business days after the order, and the money arrives the business day after.
- The fee is 3.00 zł per bond, at most the interest accrued: you never get less than 100.00 zł.
ROD rates month by month
Series | Sold | First period | Margin |
|---|---|---|---|
| ROD1038October 2026then: inflation + 2.50 pp | October 2026 | 5.60% | 2.50 pp |
| ROD0938September 2026then: inflation + 2.50 pp | September 2026 | 5.60% | 2.50 pp |
| ROD0838August 2026then: inflation + 2.50 pp | August 2026 | 5.60% | 2.50 pp |
Older series appear here once their issue letter and interest tables pass our checks.
Frequently asked questions
When do 12-year family ROD bonds pay interest?
At maturity, after 12 years. Until then interest is added to the capital every year, so each year's interest is computed on the amount with the earlier interest.
What does early redemption of 12-year family ROD bonds cost?
In series ROD1038 the fee is 3.00 zł per bond, at most the interest accrued, so you never get less than 100.00 zł. The order can be placed 7 days after the purchase.
How does ROD differ from EDO?
ROD runs for 12 years, interest at maturity, rate: 5.60% in the first year, then inflation + 2.50 pp. EDO runs for 10 years, interest at maturity, rate: 5.35% in the first year, then inflation + 2.00 pp.
Source: Poland's Ministry of Finance, issue letter no. 101/2026 and interest table, fetched 4 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.