Polish savings bonds in October 2026: rates and terms
Series sold 1–31 October 2026, on the terms of the issue letters of Poland's Ministry of Finance dated 21 September 2026.
What changed
Unchanged from the previous month (September 2026): OTS, ROR, DOR, TOS, COI, ROS, EDO, ROD.
Series sold in October 2026
Bond | First period | After that | Interest | Early redemption | Issue letter |
|---|---|---|---|---|---|
| 3-month OTSOTS0127then: fixedinterest at maturityearly redemption: without interest | 2.00% | fixed | at maturity | without interest | no. 94/2026 |
| One-year RORROR1027then: NBP reference rateinterest monthly to your accountearly redemption: 0.50 zł per bond | 4.00% | NBP reference rate | monthly to your account | 0.50 zł per bond | no. 95/2026 |
| 2-year DORDOR1028then: NBP reference rate + 0.15 ppinterest monthly to your accountearly redemption: 0.70 zł per bond | 4.15% | NBP reference rate + 0.15 pp | monthly to your account | 0.70 zł per bond | no. 96/2026 |
| 3-year TOSTOS1029then: fixedinterest at maturityearly redemption: 1.00 zł per bond | 4.40% | fixed | at maturity | 1.00 zł per bond | no. 97/2026 |
| 4-year COICOI1030then: inflation + 1.50 ppinterest yearly to your accountearly redemption: 2.00 zł per bond | 4.75% | inflation + 1.50 pp | yearly to your account | 2.00 zł per bond | no. 98/2026 |
| 6-year family ROSROS1032only with the right to the child benefitthen: inflation + 2.00 ppinterest at maturityearly redemption: 2.00 zł per bond | 5.00% | inflation + 2.00 pp | at maturity | 2.00 zł per bond | no. 100/2026 |
| 10-year EDOEDO1036then: inflation + 2.00 ppinterest at maturityearly redemption: 3.00 zł per bond | 5.35% | inflation + 2.00 pp | at maturity | 3.00 zł per bond | no. 99/2026 |
| 12-year family RODROD1038only with the right to the child benefitthen: inflation + 2.50 ppinterest at maturityearly redemption: 3.00 zł per bond | 5.60% | inflation + 2.50 pp | at maturity | 3.00 zł per bond | no. 101/2026 |
Frequently asked questions
Which Polish savings bonds can be bought in October 2026?
The series OTS0127, ROR1027, DOR1028, TOS1029, COI1030, ROS1032, EDO1036, ROD1038, on sale 1–31 October 2026. The first period's rate: from 2.00% to 5.60%, depending on the type.
When do the bonds bought in October 2026 mature?
On the same day of the month as the purchase, at the end of the bond's term: OTS0127 in January 2027, ROR1027 in October 2027, DOR1028 in October 2028, TOS1029 in October 2029, COI1030 in October 2030, ROS1032 in October 2032, EDO1036 in October 2036, ROD1038 in October 2038.
Source: Poland's Ministry of Finance, issue letters no. 94/2026, 95/2026, 96/2026, 97/2026, 98/2026, 99/2026, 100/2026, 101/2026 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.