The Polish Ministry of Finance has announced May 2026 treasury bond terms, noting that family bonds for 800+ beneficiaries are exclusively available through PKO BP physical branches.
Interest Rates Unchanged – Treasury Bond Offer for May 2026
The Ministry of Finance has announced the terms for the May issuance of savings treasury bonds, maintaining competitive interest rates. For May 2026, the Ministry maintained rates reaching 5.60% in the first year.
A special benefit is available to families receiving the 800+ benefit, though even without this status, individuals can obtain up to 5.35% annually without risk.
Full Offering: From 3 Months to 12 Years
The May offering includes eight types of bonds with varying maturities and interest mechanisms. The most notable options include variable bonds based on NBP rates, inflation-indexed bonds, and family bonds for 800+ beneficiaries.
Additionally, 3-month bonds are available at 2.00% annually, while 3-year fixed-rate bonds offer 4.40% per year.
How to Choose the Right Bond
Prospective buyers should consider their individual needs and timeframes to determine which bond type is most profitable for their specific financial objectives.
Additional Profit from Exchanging Existing Bonds
Individuals whose bonds are redeemed in May can utilize an automatic exchange for the new issuance at a preferential price of 99.90 PLN, instead of the standard 100 PLN.
How and Where to Purchase Treasury Bonds
While various channels exist for purchasing treasury bonds, family bonds (6-year and 12-year) are available exclusively at PKO Bank Polski branches and PKO BP Brokerage Office customer service points.
Who Are These Bonds Best For?
Treasury bonds offer stable interest rates, no risk, and flexibility, making them a strong component of a diversified savings portfolio. Long-term inflation-indexed bonds and family bonds for 800+ beneficiaries are particularly attractive, with the latter offering margins up to 2.50% above inflation for 12-year options.