Polish savings bond TOS0929: rates and interest
Polish 3-year TOS savings bonds, on sale 1–30 September 2026. They mature in September 2029, on the same day of the month as the purchase.
- Rate now
- 4.40%
- year 1
- Rate
- 4.40%
- fixed for the whole term, from the issue letter
- Maturity
- 1 September 2029
- for a purchase on 1 September 2026
- Early redemption
- 1.00 zł per bond
- from the issue letter
Rates year by year
Year | Dates | Rate | Interest per bond | Source |
|---|---|---|---|---|
| 1.1 Sept 2026 – 1 Sept 2027 | 1 Sept 2026 – 1 Sept 2027 | 4.40%4.40 zł per bond | 4.40 zł | interest table |
| 2.1 Sept 2027 – 1 Sept 2028 | 1 Sept 2027 – 1 Sept 2028 | 4.40%4.59 zł per bond | 4.59 zł | interest table |
| 3.1 Sept 2028 – 1 Sept 2029 | 1 Sept 2028 – 1 Sept 2029 | 4.40%4.80 zł per bond | 4.80 zł | interest table |
In all 13.79 zł of interest per bond over 3 years, before tax.
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.
Do you hold these bonds?Add them to a portfolio: we work out their value today.
Track in a portfolioSource: Poland's Ministry of Finance, issue letter no. 85/2026 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.