Polish 3-year TOS savings bonds: rates, interest, early redemption
Bonds for 3 years at a fixed rate. Interest is added to the capital every year and paid out at maturity.
Terms of the series on sale: TOS1029
October 2026- First year
- 4.40%
- fixed for the whole term, from the issue letter
- Interest
- at maturity
- added to the capital every year
- Early redemption
- 1.00 zł per bond
- at most the interest accrued
When the interest arrives
- 1After year 1: 4.40 zł of interest per bond added to the capital.
- 2In later years interest is computed on the amount with the interest added, at the same rate.
- 3After year 3: 113.79 zł per bond paid out.
The bond matures on the same day of the month as the purchase, after 3 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 1.00 zł per bond, at most the interest accrued: you never get less than 100.00 zł.
TOS rates month by month
Series | Sold | First period | Margin |
|---|---|---|---|
| TOS1029October 2026then: fixed | October 2026 | 4.40% | fixed |
| TOS0929September 2026then: fixed | September 2026 | 4.40% | fixed |
Older series appear here once their issue letter and interest tables pass our checks.
Frequently asked questions
When do 3-year TOS bonds pay interest?
At maturity, after 3 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 3-year TOS bonds cost?
In series TOS1029 the fee is 1.00 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 TOS differ from COI?
TOS runs for 3 years, interest at maturity, rate: fixed at 4.40%. COI runs for 4 years, interest yearly to your account, rate: 4.75% in the first year, then inflation + 1.50 pp.
Source: Poland's Ministry of Finance, issue letter no. 97/2026 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.