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Polish savings bond EDO0936: rates and interest

Polish 10-year EDO savings bonds, on sale 1–30 September 2026. They mature in September 2036, on the same day of the month as the purchase.

Rate now
5.35%
year 1
Margin over inflation
2.00 pp
from the issue letter
Maturity
1 September 2036
for a purchase on 1 September 2026
Early redemption
3.00 zł per bond
from the issue letter

Rates year by year

Year
Dates
Rate
Interest per bond
Source
1.1 Sept 2026 – 1 Sept 20271 Sept 2026 – 1 Sept 20275.35%5.35 zł per bond5.35 złinterest table
2.1 Sept 2027 – 1 Sept 20281 Sept 2027 – 1 Sept 2028not announced yet–
3.1 Sept 2028 – 1 Sept 20291 Sept 2028 – 1 Sept 2029not announced yet–
4.1 Sept 2029 – 1 Sept 20301 Sept 2029 – 1 Sept 2030not announced yet–
5.1 Sept 2030 – 1 Sept 20311 Sept 2030 – 1 Sept 2031not announced yet–
6.1 Sept 2031 – 1 Sept 20321 Sept 2031 – 1 Sept 2032not announced yet–
7.1 Sept 2032 – 1 Sept 20331 Sept 2032 – 1 Sept 2033not announced yet–
8.1 Sept 2033 – 1 Sept 20341 Sept 2033 – 1 Sept 2034not announced yet–
9.1 Sept 2034 – 1 Sept 20351 Sept 2034 – 1 Sept 2035not announced yet–
10.1 Sept 2035 – 1 Sept 20361 Sept 2035 – 1 Sept 2036not 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 September 2026. Bought on another day, each period starts on that day of the month.

Interest is added to the capital, so each period is computed on the amount with the earlier periods' interest.

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Source: Poland's Ministry of Finance, issue letter no. 87/2026 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.