Polish savings bond ROD1038: rates and interest
Polish 12-year family ROD savings bonds, on sale 1–31 October 2026. They mature in October 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 October 2038
- for a purchase on 1 October 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 Oct 2026 – 1 Oct 2027 | 1 Oct 2026 – 1 Oct 2027 | 5.60%5.60 zł per bond | 5.60 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 | – | |
| 5.1 Oct 2030 – 1 Oct 2031 | 1 Oct 2030 – 1 Oct 2031 | not announced yet | – | |
| 6.1 Oct 2031 – 1 Oct 2032 | 1 Oct 2031 – 1 Oct 2032 | not announced yet | – | |
| 7.1 Oct 2032 – 1 Oct 2033 | 1 Oct 2032 – 1 Oct 2033 | not announced yet | – | |
| 8.1 Oct 2033 – 1 Oct 2034 | 1 Oct 2033 – 1 Oct 2034 | not announced yet | – | |
| 9.1 Oct 2034 – 1 Oct 2035 | 1 Oct 2034 – 1 Oct 2035 | not announced yet | – | |
| 10.1 Oct 2035 – 1 Oct 2036 | 1 Oct 2035 – 1 Oct 2036 | not announced yet | – | |
| 11.1 Oct 2036 – 1 Oct 2037 | 1 Oct 2036 – 1 Oct 2037 | not announced yet | – | |
| 12.1 Oct 2037 – 1 Oct 2038 | 1 Oct 2037 – 1 Oct 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 October 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. 101/2026 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.