The benchmark interest rate in Poland was last recorded at 4.25 percent. This dataset provides - Poland Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Monthly and long-term Poland Interest Rate data: historical series and analyst forecasts curated by FocusEconomics.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Central Bank Rates: Total for Poland (IRSTCB01PLM156N) from Dec 1989 to Dec 2023 about Poland, overnight, interest rate, banks, depository institutions, interest, and rate.

View monthly updates and historical trends for Poland Long Term Interest Rate. Source: European Central Bank. Track economic data with YCharts analytics.

The National Bank of Poland (Narodowy Bank Polski - NBP) reference rate amounted to **** percent as of July 2025.

It can be seen that the mortgage interest rate in Poland increased overall during the period under observation, reaching a value of *** percent as of the fourth quarter of 2024. Demand for mortgage loans in Poland      Despite the tightening of credit policy by banks, the demand for mortgage loans is not decreasing. The residential market has also seen increases both in sales and in the construction of new premises. The increase in salaries combined with the decrease in the mortgage loan cost results in Poles having no problems buying apartments despite high prices. Higher wages also affect their creditworthiness, which is essential when applying for a mortgage. The value of housing loans amounted to a record ***** billion zloty in 2019. Despite a decrease in 2017, the value of debt in 2019 increased by *** percent compared to the previous year. The increase in wealth has also been reflected in the average value of mortgages. In 2021, Bank Millennium granted the largest number of mortgages to Poles, although Bank ****** was the leader in terms of value.   Demand for housing in Poland      Despite a growing number of flats, the prices are not falling, but on the contrary, they are continually rising. An increase in prices was recorded in every major city. The annual rise in prices in many cities went up between ** and ** percent. The most significant price increase on the primary market was recorded in ******, while on the secondary market, Wroclaw prevailed. Nevertheless, Poles pay the most for a flat in the Polish capital Warsaw. In December 2024, the price per square meter of an apartment on the secondary market exceeded **** thousand zloty, while the price per square meter on the primary market was close to **** thousand zloty. However, the coronavirus (COVID-19) outbreak in Poland in March 2020 affected the investment plans in the real estate market. Both individual customers and developers recorded a significant decline in the number of construction projects commenced during this period.

Deposit Interest Rate in Poland increased to 4.75 percent in November from 4 percent in October of 2025. This dataset includes a chart with historical data for Deposit Interest Rate in Poland.

Key information about Poland Long Term Interest Rate

• Poland Long Term Interest Rate: Month Avg: Poland: ECB Harmonised was reported at 5.41 % pa in Oct 2025, compared with 5.47 % pa in the previous month.
• Poland Long Term Interest Rate data is updated monthly, available from Jan 2001 to Oct 2025.
• The data reached an all-time high of 2,562.42 % pa in Mar 2021 and a record low of -1,211.18 % pa in Sep 2020.
• Long Term Interest Rate is reported by reported by CEIC Data.

• In the latest reports, Poland Short Term Interest Rate: Month End: ACI Polska: WIBOR: 3 Months was reported at 4.22 % pa in Nov 2025.
• The cash rate (Policy Rate: Month End: Reference Rate: Open Market Operations: 7 Days) was set at 4.25 % pa in Nov 2025.
• Poland Exchange Rate against USD averaged 3.65 (USD/PLN) in Oct 2025.

Key information about Poland Policy Rate

• Poland cash rate (Policy Rate: Month End: Reference Rate: Open Market Operations: 7 Days) was set at 4.25 % pa in Nov 2025, compared with 4.50 % pa in the previous Oct 2025.
• Poland Policy Rate averaged 1.50 % pa and is updated monthly, available from Jan 2005 to Nov 2025.
• The data reached an all-time high of 6.75 % pa in Aug 2023 and a record low of 0.10 % pa in Sep 2021.

• In the latest reports, Poland Short Term Interest Rate: Month End: ACI Polska: WIBOR: 3 Months was reported at 4.22 % pa in Nov 2025.
• Its Long Term Interest Rate (Long Term Interest Rate: Month Avg: Poland: ECB Harmonised) was reported at 5.41 % pa in Oct 2025.
• Poland Exchange Rate against USD averaged 3.65 (USD/PLN) in Oct 2025.
• Its Real Effective Exchange Rate was 119.33 in Oct 2025.

Poland - 3 Month Interest Rate was 4.56% in October of 2025, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for Poland - 3 Month Interest Rate - last updated from the EUROSTAT on December of 2025. Historically, Poland - 3 Month Interest Rate reached a record high of 7.43% in November of 2022 and a record low of 0.21% in August of 2021.

Graph and download economic data for Interest Rates: 3-Month or 90-Day Rates and Yields: Interbank Rates: Total for Poland (IR3TIB01PLQ156N) from Q3 1991 to Q3 2025 about Poland, interbank, 3-month, yield, interest rate, interest, and rate.

Bank deposit interest rate, percent in Poland, September, 2025 The most recent value is 3.51 percent as of September 2025, an increase compared to the previous value of 3.39 percent. Historically, the average for Poland from January 2005 to September 2025 is 3.14 percent. The minimum of 0.19 percent was recorded in April 2021, while the maximum of 6.78 percent was reached in November 2022. | TheGlobalEconomy.com

View monthly updates and historical trends for Poland 1-Month Interest Rate. Source: Eurostat. Track economic data with YCharts analytics.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Call Money/Interbank Rate: Total for Poland (IRSTCI01PLM156N) from Dec 1989 to Oct 2025 about Poland, interbank, overnight, interest rate, interest, and rate.

Key information about Poland Short Term Interest Rate

• Poland Short Term Interest Rate: Month End: ACI Polska: WIBOR: 3 Months was reported at 4.22 % pa in Nov 2025, compared with 4.46 % pa in the previous month.
• Poland Short Term Interest Rate data is updated monthly, available from Jan 1999 to Nov 2025.
• The data reached an all-time high of 19.82 % pa in Oct 2000 and a record low of 0.21 % pa in Jul 2021.
• Short Term Interest Rate is reported by reported by ACI Polska - the Polish Financial Markets Association.

• In the latest reports, Poland Long Term Interest Rate: Month Avg: Poland: ECB Harmonised was reported at 5.41 % pa in Oct 2025.
• The cash rate (Policy Rate: Month End: Reference Rate: Open Market Operations: 7 Days) was set at 4.25 % pa in Nov 2025.
• Poland Exchange Rate against USD averaged 3.65 (USD/PLN) in Oct 2025.

Mortgage credit interest rate, percent in Poland, September, 2025 The most recent value is 7.03 percent as of September 2025, a decline compared to the previous value of 7.06 percent. Historically, the average for Poland from January 2004 to September 2025 is 5.39 percent. The minimum of 2.27 percent was recorded in December 2020, while the maximum of 8.14 percent was reached in November 2004. | TheGlobalEconomy.com

Key information about Poland Bank Lending Rate

• Poland Bank Lending Rate was reported at 6.500 % pa in Oct 2025.
• This records a decrease from the previous number of 6.620 % pa for Sep 2025.
• Poland Bank Lending Rate data is updated monthly, averaging 3.450 % pa from Jan 2005 to Oct 2025, with 250 observations.
• The data reached an all-time high of 9.240 % pa in May 2023 and a record low of 1.980 % pa in Jan 2021.
• Poland Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Monthly.

Monthly dataset of the Poland Interest Rate, including historical data, latest releases, and long-term trends from 1998-02-28 to 2025-11-30. Available for free download in CSV format.

Poland Interest Rate: Refinancing: Credits data was reported at 3.500 % pa in Nov 2018. This stayed constant from the previous number of 3.500 % pa for Oct 2018. Poland Interest Rate: Refinancing: Credits data is updated monthly, averaging 7.750 % pa from Jan 1993 (Median) to Nov 2018, with 311 observations. The data reached an all-time high of 38.000 % pa in Jan 1993 and a record low of 3.500 % pa in Nov 2018. Poland Interest Rate: Refinancing: Credits data remains active status in CEIC and is reported by National Bank of Poland. The data is categorized under Global Database’s Poland – Table PL.M001: Key Interest Rate: National Bank of Poland.

View yearly updates and historical trends for Poland Real Interest Rate. Source: World Bank. Track economic data with YCharts analytics.