Polish savings bond TOS1029: rates and interest
Polish 3-year TOS savings bonds, on sale 1–31 October 2026. They mature in October 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 October 2029
- for a purchase on 1 October 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 Oct 2026 – 1 Oct 2027 | 1 Oct 2026 – 1 Oct 2027 | 4.40%4.40 zł per bond | 4.40 zł | interest table |
| 2.1 Oct 2027 – 1 Oct 2028 | 1 Oct 2027 – 1 Oct 2028 | 4.40%4.59 zł per bond | 4.59 zł | interest table |
| 3.1 Oct 2028 – 1 Oct 2029 | 1 Oct 2028 – 1 Oct 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 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.
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Track in a portfolioSource: Poland's Ministry of Finance, issue letter no. 97/2026 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.