Profits from bonds are safe. The Ministry of Finance maintains margins and interest rates

The Ministry of Finance maintains the interest rates and margins on retail bonds in its offer for February, the ministry said in a statement.

The interest rates for 1-year floating-rate bonds were maintained at 4.25 percent and for 2-year bonds at 4.40 percent in the first monthly interest period.

The interest rate on 3-month fixed-rate bonds remained at 2.50 percent and on 3-year bonds at 4.65 percent. The remaining bonds, in the first annual interest period, continue to bear interest in January as follows: 5.00%. 4-year and 5.60 percent 10 years old.

6- and 12-year family bonds intended for beneficiaries of the “Rodzina 800 plus” program will bear interest of 5.20 percent, respectively. and 5.85 percent in the first year.

The interest rate on 1-year and 2-year bonds changes monthly. It is calculated as the sum of the reference rate of the National Bank of Poland and the margin and in the case of instruments offered in February is 0.00%. for 1-year bonds and 0.15 percent for 2-year-olds.

The interest rate on 4-year bonds changes every year and is calculated based on the sum of the inflation rate from the last 12 months and an unchanged margin of 1.50%. The same interest rate mechanism also applies to 10-year bonds, but in this case the margin remains unchanged at 2.00%.

The margins for family bonds also remain unchanged, the interest rates of which are calculated according to the same principles as in the case of 4- and 10-year bonds and amount to 2.00%, respectively. for 6-year bonds and 2.50 percent for 12-year-olds.

The Ministry of Finance last reduced interest rates on retail bonds in December.

In January, the Monetary Policy Council kept rates unchanged – the reference rate is 4.00%. Earlier, throughout 2025, the Monetary Policy Council cut the cost of money by 175 basis points. (PAP Business)

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