The Polish Finance Ministry announced details of its May 2026 treasury bond offering, maintaining competitive interest rates, including options for families receiving 800+ benefits.
Treasury Bond Interest Rates Remain Unchanged
The Finance Ministry has announced the terms of the May issue of savings treasury bonds. Interest rates remain at a competitive, unchanged level, offering savers the opportunity to continue building their bond portfolios under known and attractive conditions.
Finance Ministry Comment
“In May, we left the interest rate on savings bonds unchanged at a competitive level. It is worth regularly taking advantage of our offer to safely increase your savings,” commented Jurand Drop, Undersecretary of State at the Ministry of Finance.
Bonds as a Safe Alternative
Amidst declining bank deposit interest rates, treasury bonds offer a safe alternative with the guarantee of the State Treasury. There is no risk of bank failure, no hidden fees, and interest rates – particularly for longer terms – remain clearly attractive.
Full Offer – Options Available
The May offer includes eight types of bonds with varying maturities and interest rate mechanisms. The three most interesting options are variable-rate bonds (linked to the NBP rate), inflation-indexed bonds, and family bonds (for beneficiaries of the Family 800+ program).
Additionally, 3-month bonds (2.00% per annum) and 3-year fixed-rate bonds (4.40% per annum) are available.
Choosing the Right Bond
Key questions to ask before purchasing treasury bonds include considering your investment timeframe and risk tolerance.
Bonus for Existing Bondholders
Individuals whose bonds mature in May can take advantage of an automatic exchange for the new issue at a preferential price of 99.90 zł (instead of the standard 100 zł).
Ministry Emphasis on Individual Savings Plans
The Ministry emphasizes that the offer of retail treasury bonds enables clients to build and implement an individual savings plan tailored to their needs. Once the bonds best suited to your needs are decided upon, the necessary amount is paid in, and the savings are put to work realizing your individual savings plan.
How and Where to Purchase Bonds
Purchasing treasury bonds usually does not require a personal visit to the bank (although this option is also possible). There are three main channels available.
Important Note
Family bonds (6-year and 12-year) are available exclusively at PKO Bank Polski branches and PKO BP Brokerage House Customer Service Points.
Best Choice for Investors
Stable interest rates, no risk, flexibility in choosing the term and interest rate mechanism – these are arguments in favor of treasury bonds as an element of a diversified savings portfolio. Long-term inflation-indexed bonds and family bonds for beneficiaries of the 800+ program are particularly attractive, offering margins of up to 2.50% above inflation for 12-year ROD bonds.
For those seeking a safe way to protect savings from inflation while simultaneously obtaining a real return, the May offer from the Ministry of Finance remains one of the best options on the Polish market for safe investing.