Polish savings bond COI1030: rates and interest
Polish 4-year COI savings bonds, on sale 1–31 October 2026. They mature in October 2030, on the same day of the month as the purchase.
- Rate now
- 4.75%
- year 1
- Margin over inflation
- 1.50 pp
- from the issue letter
- Maturity
- 1 October 2030
- for a purchase on 1 October 2026
- Early redemption
- 2.00 zł per bond
- from the issue letter
Rates year by year
Year | Dates | Rate | Interest per bond | Source |
|---|---|---|---|---|
| 1.1 Oct 2026 – 1 Oct 2027 | 1 Oct 2026 – 1 Oct 2027 | 4.75%4.75 zł per bond | 4.75 zł | interest table |
| 2.1 Oct 2027 – 1 Oct 2028 | 1 Oct 2027 – 1 Oct 2028 | not announced yet | – | |
| 3.1 Oct 2028 – 1 Oct 2029 | 1 Oct 2028 – 1 Oct 2029 | not announced yet | – | |
| 4.1 Oct 2029 – 1 Oct 2030 | 1 Oct 2029 – 1 Oct 2030 | not announced yet | – |
The Ministry of Finance announces each later period's rate before it begins; the total is shown once every rate is known.
Dates for a purchase on 1 October 2026. Bought on another day, each period starts on that day of the month.
Interest is paid on the period's last day; when that is a Saturday or a public holiday, the next business day.
Do you hold these bonds?Add them to a portfolio: we work out today's value and record every interest payment.
Track in a portfolioSource: Poland's Ministry of Finance, issue letter no. 98/2026 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.