Polish savings bond ROD0838: rates and interest
Polish 12-year family ROD savings bonds, on sale 1–31 August 2026. They mature in August 2038, on the same day of the month as the purchase.
Family bonds: only for people entitled to the child benefit (świadczenie wychowawcze).
- Rate now
- 5.60%
- year 1
- Margin over inflation
- 2.50 pp
- from the issue letter
- Maturity
- 1 August 2038
- for a purchase on 1 August 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 Aug 2026 – 1 Aug 2027 | 1 Aug 2026 – 1 Aug 2027 | 5.60%5.60 zł per bond | 5.60 zł | interest table |
| 2.1 Aug 2027 – 1 Aug 2028 | 1 Aug 2027 – 1 Aug 2028 | not announced yet | – | |
| 3.1 Aug 2028 – 1 Aug 2029 | 1 Aug 2028 – 1 Aug 2029 | not announced yet | – | |
| 4.1 Aug 2029 – 1 Aug 2030 | 1 Aug 2029 – 1 Aug 2030 | not announced yet | – | |
| 5.1 Aug 2030 – 1 Aug 2031 | 1 Aug 2030 – 1 Aug 2031 | not announced yet | – | |
| 6.1 Aug 2031 – 1 Aug 2032 | 1 Aug 2031 – 1 Aug 2032 | not announced yet | – | |
| 7.1 Aug 2032 – 1 Aug 2033 | 1 Aug 2032 – 1 Aug 2033 | not announced yet | – | |
| 8.1 Aug 2033 – 1 Aug 2034 | 1 Aug 2033 – 1 Aug 2034 | not announced yet | – | |
| 9.1 Aug 2034 – 1 Aug 2035 | 1 Aug 2034 – 1 Aug 2035 | not announced yet | – | |
| 10.1 Aug 2035 – 1 Aug 2036 | 1 Aug 2035 – 1 Aug 2036 | not announced yet | – | |
| 11.1 Aug 2036 – 1 Aug 2037 | 1 Aug 2036 – 1 Aug 2037 | not announced yet | – | |
| 12.1 Aug 2037 – 1 Aug 2038 | 1 Aug 2037 – 1 Aug 2038 | 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 August 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.
Source: Poland's Ministry of Finance, issue letter no. 80/2026 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.