Polish savings bonds in September 2026: rates and terms
Series sold 1–30 September 2026, on the terms of the issue letters of Poland's Ministry of Finance dated 20 August 2026.
What changed
Unchanged from the previous month (August 2026): OTS, DOR, COI, EDO, ROD.
Series sold in September 2026
Bond | First period | After that | Interest | Early redemption | Issue letter |
|---|---|---|---|---|---|
| 3-month OTSOTS1226then: fixedinterest at maturityearly redemption: without interest | 2.00% | fixed | at maturity | without interest | no. 82/2026 |
| One-year RORROR0927then: 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. 83/2026 |
| 2-year DORDOR0928then: 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. 84/2026 |
| 3-year TOSTOS0929then: fixedinterest at maturityearly redemption: 1.00 zł per bond | 4.40% | fixed | at maturity | 1.00 zł per bond | no. 85/2026 |
| 4-year COICOI0930then: 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. 86/2026 |
| 6-year family ROSROS0932only 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. 88/2026 |
| 10-year EDOEDO0936then: 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. 87/2026 |
| 12-year family RODROD0938only 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. 89/2026 |
Frequently asked questions
Which Polish savings bonds were sold in September 2026?
The series OTS1226, ROR0927, DOR0928, TOS0929, COI0930, ROS0932, EDO0936, ROD0938, on sale 1–30 September 2026. The first period's rate: from 2.00% to 5.60%, depending on the type.
When do the bonds bought in September 2026 mature?
On the same day of the month as the purchase, at the end of the bond's term: OTS1226 in December 2026, ROR0927 in September 2027, DOR0928 in September 2028, TOS0929 in September 2029, COI0930 in September 2030, ROS0932 in September 2032, EDO0936 in September 2036, ROD0938 in September 2038.
Source: Poland's Ministry of Finance, issue letters no. 82/2026, 83/2026, 84/2026, 85/2026, 86/2026, 87/2026, 88/2026, 89/2026 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.