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PL Polski

Open data · CC BY 4.0

Safe savings, mapped country by country.

Which governments sell savings bonds to ordinary people, and on what terms. Which banks pay you to open an account, and what an account costs. Researched in Poland, free to reuse, with a source for every figure.

Explore the bond map Get the data
USABrazilMexicoSouth AfricaNamibiaArgentinaHong KongHungaryCzechiaItalyGermanyFranceUKSpainSwedenRomaniaAustriaMaltaPolandmonthly since 1999Polandinflation + fixed margin (6 incl. Poland)inflation, market rate (5)fixed, step-up, floating, prizes only (98)no official retail sales (86)not covered (Taiwan, Kosovo, W. Sahara)
Poland inflation + fixed margininflation, market ratefixed, step-up, floating, prizesno official retail sales
countries checked for savings bonds sold to individuals
195
countries checked for savings bonds sold to individuals
of them let individuals buy government bonds at issuance
109
of them let individuals buy government bonds at issuance
pay inflation plus a margin fixed on the day you buy
6
pay inflation plus a margin fixed on the day you buy
banks in 27 EU countries read one by one
1,939
banks in 27 EU countries read one by one

Start with a question

Four questions, answered with data

Which governments sell savings bonds to people?

109 of 195 countries

  • 6 inflation + fixed margin
  • 5 inflation, market rate
  • 98 fixed, step-up, floating, prizes
  • 86 no official retail sales
See the world map and dataset

Which EU banks pay you to open an account?

59 of 501 banks with a personal account, in 15 countries

Poland: 53% PL Hungary: 50% HU Slovakia: 33% SK Spain: 31% ES Czechia: 27% CZ Romania: 20% RO France: 16% FR Greece: 0% GR Luxembourg: 0% LU Germany: 10% DE Slovenia: 8% SI Netherlands: 8% NL Portugal: 8% PT Croatia: 5% HR Austria: 3% AT Italy: 1% IT Lithuania: 0% LT Bulgaria: 0% BG Latvia: 0% LV Estonia: 0% EE Belgium: 7% BE Ireland: 0% IE Sweden: 0% SE Denmark: 0% DK Finland: 0% FI Cyprus: 0% CY Malta: 0% MT
Country by country, with every bonus

What does a bank account cost in Europe?

€2 a month at the median EU bank, if you meet no conditions

Fees in 27 countries

Poland’s EDO bonds or US I Bonds?

2.00%EDO margin over inflation

1.40%I Bond fixed rate

Month by month since 2004

Why did some countries stop selling bonds to people?

When governments closed their retail programmes, and what came after.

Programmes that ended

Country by country

Retail bonds near you

What each government sells to individuals today, how much people hold, and how it compares with Poland.

For researchers, journalists and AI assistants

Take the data with you

Plain CSV and JSON files and a read-only MCP server. No key, no sign-up, no personal data. Each dataset has a DOI on Zenodo, so you can cite the exact version you used.

API and MCP server 
# every country, one row each (CSV, no key)
curl -O https://obrotomierz.pl/dane/obligacje-na-swiecie/panstwa.csv

# every EU bank we read
curl -O https://obrotomierz.pl/dane/banki-w-europie/banki.csv

# MCP server for AI assistants (read-only)
https://obrotomierz.pl/mcp

How we work

01

A source for every figure

Every row links to the treasury, central bank or bank page we read it from. If we could not read it, we say so.

02

Read by hand, one by one

Countries and banks are checked individually, from the ECB list of credit institutions and each government’s own offer.

03

Free to reuse

Everything is CC BY 4.0: use it in articles, research or apps and credit obrotomierz.pl with a link. We do not give financial advice.

Contact: [email protected]. The rest of the site is in Polish: obrotomierz.pl.