# Poland NBP Reference Rate, daily step (valid-from expanded), % p.a.

Poland NBP Reference Rate, daily step (valid-from expanded), % p.a. was 3.8% in 12 November 2026, unchanged from 11 November 2026 and down 0.5 percentage points from a year earlier.
Over the past ten years it has ranged from 0.1% (29 May 2020) to 6.8% (8 Sep 2022), averaging 3.1%.

- Source agency: Narodowy Bank Polski (National Bank of Poland)
- Makrognosis code: `PL.IR.D.NSA`
- Frequency: daily
- Units: % p.a.
- Coverage: 2016-01-01 to 2026-11-12 (3,969 observations)
- Page: https://makrognosis.robomacro.com/data/poland/nbp-reference-rate-daily-step-valid-from-expanded-pct-p-a

## Recent data

| Period | Value |
|---|---:|
| 12 November 2026 | 3.8% |
| 11 November 2026 | 3.8% |
| 10 November 2026 | 3.8% |
| 9 November 2026 | 3.8% |
| 8 November 2026 | 3.8% |
| 7 November 2026 | 3.8% |
| 6 November 2026 | 3.8% |
| 5 November 2026 | 3.8% |
| 4 November 2026 | 3.8% |
| 3 November 2026 | 3.8% |
| 2 November 2026 | 3.8% |
| 1 November 2026 | 3.8% |
| 31 October 2026 | 3.8% |
| 30 October 2026 | 3.8% |
| 29 October 2026 | 3.8% |
| 28 October 2026 | 3.8% |
| 27 October 2026 | 3.8% |
| 26 October 2026 | 3.8% |
| 25 October 2026 | 3.8% |
| 24 October 2026 | 3.8% |
| 23 October 2026 | 3.8% |
| 22 October 2026 | 3.8% |
| 21 October 2026 | 3.8% |
| 20 October 2026 | 3.8% |

## API

```
curl -H "X-API-Key: $MAKROGNOSIS_KEY" \
  "https://makrognosis.robomacro.com/v1/series/PL.IR.D.NSA"

# Python
import requests
r = requests.get("https://makrognosis.robomacro.com/v1/series/PL.IR.D.NSA",
                 headers={"X-API-Key": KEY})
obs = r.json()["observations"]
```