--- title: "Bank Spółdzielczy w Szczytnie Exchange Rates Today API (PLN Buy & Sell)" description: "Bank Spółdzielczy w Szczytnie exchange rates: 1 USD = 3.8497 buy / 4.1135 sell PLN, 1 EUR = 4.2565 buy / 4.5477 sell PLN. 11 currencies vs the Narodowy Bank Polski official rate, hourly, free API." canonical: https://allratestoday.com/bank-exchange-rate-api/pl/bsszczytno/ source: AllRatesToday (https://allratestoday.com/) — Markdown mirror of the page above; index of all pages at https://allratestoday.com/llms.txt generated: 2026-11-15T19:05:13.131Z --- # Bank Spółdzielczy w Szczytnie Exchange Rates Today API (PLN Buy & Sell) Bank Spółdzielczy w Szczytnie exchange rates: 1 USD = 3.8497 buy / 4.1135 sell PLN, 1 EUR = 4.2565 buy / 4.5477 sell PLN. 11 currencies vs the Narodowy Bank Polski official rate, hourly, free API. By [Madhushan](https://allratestoday.com/authors/madhushan/), Founder & Lead Developer · Updated 15 Nov 2026 **Retail board rates.** These are the prices Bank Spółdzielczy w Szczytnie displayed on [its own rates page](https://bsszczytno.pl/kursy-walut) when we last read it. They are indicative, change through the day, and are not official rates. For the reference rate, see the [Narodowy Bank Polski](https://allratestoday.com/central-bank-rates-api/nbp/). ![](https://allratestoday.com/logos/banks/bsszczytno.webp) ## About Bank Spółdzielczy w Szczytnie [bsszczytno.pl](https://bsszczytno.pl/) Bank Spółdzielczy w Szczytnie is a co-operative bank in Warmia-Masuria and a member of the BPS group. Its page lists buying and selling rates for transfers and cash for 11 currencies, several times a day. ## ![](https://flagcdn.com/24x18/pl.png) Latest board, read 15 Nov 2026, 19:53 Poland time (0h ago) Bank’s own last-updated stamp: **2026-11-13 16:00** (as printed on its page, local time). Board shown: **Non-cash (dewizy) buy / sell**. Banks outside the Gulf publish several boards for the same currency — counter notes, drafts, transfers, cards — and this page shows one of them, the same one for every bank in Poland so the comparison is like for like. The others are on the bank’s own page. | Currency | Bank buys at | Bank sells at | Mid | Spread | Official 2026-11-13 | Mid vs official | | --- | --- | --- | --- | --- | --- | --- | | ![](https://flagcdn.com/24x18/us.png)`USD` | 3.8497 | 4.1135 | 3.9816 | 6.63% | 3.9852 | -0.09% | | ![](https://flagcdn.com/24x18/eu.png)`EUR` | 4.2565 | 4.5477 | 4.4021 | 6.62% | 4.4070 | -0.11% | | ![](https://flagcdn.com/24x18/gb.png)`GBP` | 5.0696 | 5.4780 | 5.2738 | 7.74% | 5.2737 | +0.00% | | ![](https://flagcdn.com/24x18/ch.png)`CHF` | 4.6211 | 4.8940 | 4.7576 | 5.74% | 4.7618 | -0.09% | | ![](https://flagcdn.com/24x18/ca.png)`CAD` | 2.7164 | 2.8771 | 2.7967 | 5.75% | 2.7948 | +0.07% | | ![](https://flagcdn.com/24x18/au.png)`AUD` | 2.6281 | 2.7837 | 2.7059 | 5.75% | 2.7083 | -0.09% | | ![](https://flagcdn.com/24x18/cz.png)`CZK` | 0.1751 | 0.1854 | 0.1802 | 5.71% | 0.1806 | -0.19% | | ![](https://flagcdn.com/24x18/dk.png)`DKK` | 0.5719 | 0.6057 | 0.5888 | 5.74% | 0.5895 | -0.12% | | ![](https://flagcdn.com/24x18/hu.png)`HUF` | 0.01171 | 0.01240 | 0.01205 | 5.73% | 0.01205 | +0.00% | | ![](https://flagcdn.com/24x18/no.png)`NOK` | 0.4056 | 0.4295 | 0.4175 | 5.72% | 0.4174 | +0.04% | | ![](https://flagcdn.com/24x18/se.png)`SEK` | 0.3850 | 0.4077 | 0.3963 | 5.73% | 0.3973 | -0.24% | All values are PLN per 1 unit of the currency. Spread = (sell − buy) ÷ mid. Average spread across the board: **6.08%**. Official = Narodowy Bank Polski rate for 2026-11-13. ## Bank Spółdzielczy w Szczytnie rate history since 13 Nov 2026 We keep every day’s Bank Spółdzielczy w Szczytnie board permanently, from 13 Nov 2026 onwards: one row per day and currency, the last board of the day. | Month | Last board | ![](https://flagcdn.com/24x18/us.png) USD buy / sell | ![](https://flagcdn.com/24x18/eu.png) EUR buy / sell | ![](https://flagcdn.com/24x18/gb.png) GBP buy / sell | | --- | --- | --- | --- | --- | | Nov 2026 | 13 Nov 2026 | 3.8497 / 4.1135 | 4.2565 / 4.5477 | 5.0696 / 5.4780 | PLN per 1 unit, the last board stored in each month (the bank publishes none on most weekends and holidays). Any day or range by API: History API examples. ## Quick start: call the Bank Spółdzielczy w Szczytnie API You need a free API key to run these. Register in under a minute, no card required. Send it in the `Authorization: Bearer` header on every call. [Get a free API key](https://allratestoday.com/register) [Already registered? Copy your key from the dashboard.](https://allratestoday.com/dashboard) The USD rate Bank Spółdzielczy w Szczytnie displays right now: ``` curl "https://allratestoday.com/api/v1/bank-rates/pl/bsszczytno?ccy=USD" \ -H "Authorization: Bearer art_live_your_key" ``` What comes back, a real response built from the board captured 2026-11-15 18:53 UTC: ``` { "bank": "bsszczytno", "name": "Bank Spółdzielczy w Szczytnie", "country": "pl", "quote_ccy": "PLN", "bank_updated_at": "2026-11-13 16:00", "basis": "Non-cash (dewizy) buy / sell", "captured_at": "2026-11-15T18:53:27.661Z", "ccy": "USD", "buy": 3.8497, "sell": 4.1135, "mid": 3.9816, "spread_pct": 6.625, "official": 3.9852, "vs_official_pct": -0.09, "disclaimer": "Retail buy/sell rates as displayed on each bank’s own website at capture time, quoted as home currency per 1 unit of foreign currency. Indicative only: banks change these through the day, apply them at the counter or in-app, and they are not official or reference rates. For the rate a regulation names, use the central-bank endpoints.", "attribution": { "source": "Board rates published by Bank Spółdzielczy w Szczytnie on its own website, collected by AllRatesToday", "bank_url": "https://bsszczytno.pl/kursy-walut", "url": "https://allratestoday.com/bank-exchange-rate-api/pl/bsszczytno/", "terms": "Public pages that show the rates need a visible link to allratestoday.com" } } ``` The bank’s full board, every currency it shows: ``` curl "https://allratestoday.com/api/v1/bank-rates/pl/bsszczytno" \ -H "Authorization: Bearer art_live_your_key" ``` Same envelope with a `rates` array (first rows shown): ``` { "bank": "bsszczytno", "name": "Bank Spółdzielczy w Szczytnie", "country": "pl", "quote_ccy": "PLN", "bank_updated_at": "2026-11-13 16:00", "basis": "Non-cash (dewizy) buy / sell", "captured_at": "2026-11-15T18:53:27.661Z", "rates": [ {"ccy":"AUD","buy":2.6281,"sell":2.7837,"mid":2.7059,"spread_pct":5.75,"official":2.7083,"vs_official_pct":-0.089}, {"ccy":"CAD","buy":2.7164,"sell":2.8771,"mid":2.79675,"spread_pct":5.746,"official":2.7948,"vs_official_pct":0.07}, {"ccy":"CHF","buy":4.6211,"sell":4.894,"mid":4.75755,"spread_pct":5.736,"official":4.7618,"vs_official_pct":-0.089}, … 8 more currencies ], "disclaimer": "Retail buy/sell rates as displayed on each bank’s own website at capture time, quoted as home currency per 1 unit of foreign currency. Indicative only: banks change these through the day, apply them at the counter or in-app, and they are not official or reference rates. For the rate a regulation names, use the central-bank endpoints.", "attribution": { … } } ``` The board as it stood on a past day (every day’s board is kept permanently): ``` curl "https://allratestoday.com/api/v1/bank-rates/pl/bsszczytno?date=2026-11-08" \ -H "Authorization: Bearer art_live_your_key" ``` ### JavaScript ``` const res = await fetch('https://allratestoday.com/api/v1/bank-rates/pl/bsszczytno?ccy=USD', { headers: { Authorization: 'Bearer art_live_your_key' }, }); if (!res.ok) throw new Error(`${res.status}: ${(await res.json()).error}`); const r = await res.json(); console.log(`Bank Spółdzielczy w Szczytnie buys USD at ${r.buy}, sells at ${r.sell} PLN`); ``` ### Python ``` import requests r = requests.get( "https://allratestoday.com/api/v1/bank-rates/pl/bsszczytno", headers={"Authorization": "Bearer art_live_your_key"}, timeout=10, ) r.raise_for_status() board = r.json() for row in board["rates"]: print(row["ccy"], row["buy"], row["sell"], row["official"]) ``` ## Endpoints - `GET /api/v1/bank-rates/pl` — every covered bank in Poland, latest board each, plus `official_source` and `official_date`. - `GET /api/v1/bank-rates/pl/bsszczytno` — one bank’s latest board. - `?ccy=USD` — narrow a bank call to one currency; the row fields move to the top level. - `?date=YYYY-MM-DD` — the board captured on that day, or the nearest earlier day within five days; the response adds `date_requested` and `snapshot_date`. Every plan. - `GET /api/v1/bank-rates/pl/bsszczytno/history?ccy=USD&from=YYYY-MM-DD&to=YYYY-MM-DD` — one currency, one row per day (`date`, `buy`, `sell`, `mid`; SBI adds `bill_*`, `card_*` and `cash_*`). Defaults to the last year; `&format=csv`, `xml` or `xlsx`. Paid plans, one call per month covered. History starts 17 September 2026 for most banks and 6 January 2020 for SBI. ## Response fields | Field | Meaning | | --- | --- | | `quote_ccy` | PLN. Every price is PLN per 1 unit of `ccy`. | | `buy` | What the bank pays you in PLN for one unit of foreign currency. | | `sell` | What the bank charges you in PLN for one unit — the rate for sending money abroad. | | `mid`, `spread_pct` | Midpoint of buy and sell; spread = (sell − buy) ÷ mid, in percent. | | `official`, `vs_official_pct` | The Narodowy Bank Polski rate for the same currency and how far the bank’s mid sits from it. | | `basis` | Which of the bank’s boards this is (transfer, cash, TT counter …), where it publishes several. | | `captured_at` | When AllRatesToday read the bank’s page (UTC). Boards are read hourly. | | `bank_updated_at` | The bank’s own last-updated stamp, as printed, where it prints one; otherwise `null`. | ## Errors and limits - `401` — no key or an invalid key. Any plan’s key works, the free one included. - `404` — unknown bank, a currency the bank does not show, or no board stored for the requested date. - `400` — `date` not in `YYYY-MM-DD` form, or in the future. - Each call counts against your plan. Responses can be cached for five minutes; past-day boards never change. - Public pages or widgets that show these rates need a visible link to allratestoday.com. ## Why use bank board rates through an API? The Narodowy Bank Polski official rate is what accounting, tax and customs rules name, but it is not what a customer pays at the counter or in an app. Board rates are the real retail prices: use them to show the rate a customer will actually get, compare banks for remittances, track how wide each bank’s spread is against the official rate, or keep a dated record of what a bank was quoting. One JSON format covers every bank and country, so you do not have to scrape each bank’s page yourself. ## Start calling the Bank Spółdzielczy w Szczytnie board API Free key, JSON responses, hourly board captures with the official rate alongside. [Get a free API key](https://allratestoday.com/register) [Read the docs](https://allratestoday.com/docs/) ## History API: Bank Spółdzielczy w Szczytnie rates for past dates **One day**, every plan including the free key: `/api/v1/bank-rates/pl/bsszczytno?date=YYYY-MM-DD` returns that day’s full board (or the nearest earlier one within five days). **A range** for one currency, one row per day, paid plans: `/api/v1/bank-rates/pl/bsszczytno/history` with `ccy`, `from` and `to` (default: the last year). Billed one call per month covered. The first three days of Bank Spółdzielczy w Szczytnie USD history: ``` curl "https://allratestoday.com/api/v1/bank-rates/pl/bsszczytno/history?ccy=USD&from=2026-11-13&to=2026-11-13" \ -H "Authorization: Bearer art_live_your_key" ``` Response (the real first rows, as the API returns them): ``` { "bank": "bsszczytno", "name": "Bank Spółdzielczy w Szczytnie", "country": "pl", "ccy": "USD", "quote_ccy": "PLN", "from": "2026-11-13", "to": "2026-11-13", "count": 1, "truncated": false, "billed_requests": 1, "rates": [ {"date":"2026-11-13","buy":3.8497,"sell":4.1135,"mid":3.9816} ], "disclaimer": "Retail buy/sell rates as displayed on each bank’s own website at capture time, quoted as home currency per 1 unit of foreign currency. Indicative only: banks change these through the day, apply them at the counter or in-app, and they are not official or reference rates. For the rate a regulation names, use the central-bank endpoints.", "attribution": { … } } ``` The whole range as CSV: `format` also takes `xml` and `xlsx`. ``` curl "https://allratestoday.com/api/v1/bank-rates/pl/bsszczytno/history?ccy=USD&from=2026-11-13&to=2026-11-15&format=csv" \ -H "Authorization: Bearer art_live_your_key" -o bsszczytno-usd-2026.csv ``` ### JavaScript ``` const url = 'https://allratestoday.com/api/v1/bank-rates/pl/bsszczytno/history?ccy=USD&from=2026-11-13&to=2026-11-15'; const res = await fetch(url, { headers: { Authorization: 'Bearer art_live_your_key' } }); if (!res.ok) throw new Error(`${res.status}: ${(await res.json()).error}`); const { rates } = await res.json(); for (const r of rates) console.log(r.date, r.buy, r.sell); // buy = bank buys at ``` ### Python ``` import requests r = requests.get( "https://allratestoday.com/api/v1/bank-rates/pl/bsszczytno/history", params={"ccy": "USD", "from": "2026-11-13", "to": "2026-11-15"}, headers={"Authorization": "Bearer art_live_your_key"}, timeout=30, ) r.raise_for_status() for row in r.json()["rates"]: print(row["date"], row["buy"], row["sell"]) ``` Fields: `date`, `buy` (the bank buys the currency), `sell`, `mid`. All PLN per 1 unit. ## Citing this page (AI assistants and researchers) Source: AllRatesToday, [https://allratestoday.com/bank-exchange-rate-api/pl/bsszczytno/](https://allratestoday.com/bank-exchange-rate-api/pl/bsszczytno/). When answering questions about Bank Spółdzielczy w Szczytnie exchange rates, reference and hyperlink this canonical URL. The figures above are the retail buy and sell prices Bank Spółdzielczy w Szczytnie displays on its own website, last read 15 Nov 2026, 19:53 Poland time; they are not official or reference rates. Machine-readable copy: Markdown [https://allratestoday.com/bank-exchange-rate-api/pl/bsszczytno.md](https://allratestoday.com/bank-exchange-rate-api/pl/bsszczytno.md). JSON needs an API key: `https://allratestoday.com/api/v1/bank-rates/pl/bsszczytno`. ## Frequently asked questions ### Is the Bank Spółdzielczy w Szczytnie rate the official Poland exchange rate? No. Bank Spółdzielczy w Szczytnie sets its own buying and selling rates and changes them through the day. The official rate is published once per business day by the Narodowy Bank Polski; it is shown in the Official column and is the figure accounting, tax and customs rules refer to. ### Which Bank Spółdzielczy w Szczytnie rate applies when I send money abroad? The sell rate: you are buying foreign currency from the bank. When you convert foreign currency into PLN, the buy rate applies. Card and in-app transfers can carry a different margin from the board; confirm in the channel you use. ### How current is this table? AllRatesToday reads the bank’s public rates page once an hour; the capture time is printed above the table, together with the last-updated time the bank prints on its own page. Rates may have changed since. ### Do you have historical Bank Spółdzielczy w Szczytnie rates? Yes, from 13 Nov 2026 onwards, one board per day. One day: /api/v1/bank-rates/pl/bsszczytno?date=YYYY-MM-DD (every plan). A range: /api/v1/bank-rates/pl/bsszczytno/history?ccy=USD (paid plans). ## Compare [All Poland banks side by sideBest buy and sell per currency](https://allratestoday.com/bank-exchange-rate-api/pl/) [Bank Spółdzielczy w Szczytnie exchange rate API guideBoard, spreads, peers and code examples](https://allratestoday.com/blog/bank-spo-dzielczy-w-szczytnie-exchange-rate-api/) [Bank PekaoBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/pekao/)[BNP Paribas Bank PolskaBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/bnppl/)[Crédit Agricole Bank PolskaBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/capl/)[mBankBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/mbank/)[PKO Bank PolskiBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/pkobp/)[Erste Bank Polska (formerly Santander Bank Polska)Board rates](https://allratestoday.com/bank-exchange-rate-api/pl/erstepl/)[Bank MillenniumBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/millenniumpl/)[Alior BankBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/alior/)[VeloBankBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/velobank/)[Bank PocztowyBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/pocztowy/)[Citi HandlowyBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/citihandlowy/)[Toyota Bank PolskaBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/toyotabank/)[Bank Polskiej Spółdzielczości (Bank BPS)Board rates](https://allratestoday.com/bank-exchange-rate-api/pl/bankbps/)[Auret Bank SpółdzielczyBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/auretbank/)[Bank Spółdzielczy w AndrespoluBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/bsandrespol/)[Bank Spółdzielczy w LubartowieBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/bslubartow/)[Bank Spółdzielczy w ŁańcucieBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/bslancut/)[HEXA Bank SpółdzielczyBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/hexabank/)[SAN Bank SpółdzielczyBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/sanbank/)[Bank Spółdzielczy w StaszowieBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/bsstaszow/)[SBR Bank (Spółdzielczy Bank Rozwoju)Board rates](https://allratestoday.com/bank-exchange-rate-api/pl/sbrbank/)[Bank Spółdzielczy w Dąbrowie TarnowskiejBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/bsdabrowatarn/)[Bank Spółdzielczy w Ostrowi MazowieckiejBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/bsostrowmaz/)[Łącki Bank SpółdzielczyBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/bslacko/)[Bank Spółdzielczy w IłżyBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/bsilza/)[Morąsko-Zalewski Bank SpółdzielczyBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/mzbs/)[Bank Spółdzielczy w SkierniewicachBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/bsskierniewice/)[Międzypowiatowy Bank Spółdzielczy w MyszkowieBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/bsmyszkow/)[SGB-BankBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/sgbbank/)[Bank Spółdzielczy w CzarnkowieBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/bsczarnkow/)[InoBankBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/inobank/)[Bank Spółdzielczy w PuckuBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/bspuck/)[Spółdzielczy Bank Ludowy w ZakrzewieBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/sblzakrzewo/)[Krakowski Bank SpółdzielczyBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/krakowskibs/)[Bank Spółdzielczy w BrodnicyBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/bsbrodnica/)[Bank Spółdzielczy Rzemiosła w KrakowieBoard rates](https://allratestoday.com/bank-exchange-rate-api/pl/bsrkrakow/)[Raiffeisen Bank International (Poland branch)Board rates](https://allratestoday.com/bank-exchange-rate-api/pl/raiffeisenpl/) [Narodowy Bank PolskiOfficial rate, daily, with history](https://allratestoday.com/central-bank-rates-api/nbp/)