Polish 3-month OTS savings bonds: rates, interest, early redemption
Bonds for 3 months at a fixed rate. Interest is paid at maturity.
Terms of the series on sale: OTS0127
October 2026- Rate
- 2.00%
- fixed for the whole term, from the issue letter
- Interest
- at maturity
- 0.50 zł per bond after 3 months
- Early redemption
- without interest
- 100.00 zł back per bond
When the interest arrives
- 1At maturity, after 3 months: 100.00 zł and 0.50 zł of interest per bond.
The bond matures on the same day of the month as the purchase, after 3 months.
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.
- Redeemed early, a bond pays 100.00 zł, without interest.
OTS rates month by month
Series | Sold | First period | Margin |
|---|---|---|---|
| OTS0127October 2026then: fixed | October 2026 | 2.00% | fixed |
| OTS1226September 2026then: fixed | September 2026 | 2.00% | fixed |
| OTS1126August 2026then: fixed | August 2026 | 2.00% | fixed |
Older series appear here once their issue letter and interest tables pass our checks.
Frequently asked questions
When do 3-month OTS bonds pay interest?
At maturity, after 3 months: 0.50 zł of interest per bond together with 100.00 zł.
What does early redemption of 3-month OTS bonds cost?
There is no fee, but redeemed early a bond pays 100.00 zł, without interest. The order can be placed 7 days after the purchase.
How does OTS differ from ROR?
OTS runs for 3 months, interest at maturity, rate: fixed at 2.00%. ROR runs for 1 year, interest monthly to your account, rate: 4.00% in the first month, then the NBP reference rate.
Source: Poland's Ministry of Finance, issue letter no. 94/2026 and interest tables, 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.