mBank Exchange Rates Today API (PLN Buy & Sell)

mBank exchange rates: 1 USD = 3.8706 buy / 4.1100 sell PLN, 1 EUR = 4.2743 buy / 4.5387 sell PLN. 17 currencies vs the Narodowy Bank Polski official rate, hourly, free API.

By Madhushan, Founder & Lead Developer · Updated 13 Nov 2026

About mBank

www.mbank.pl

mBank is one of Poland’s largest banks and part of the Commerzbank group. Its exchange-rate table lists buying, selling and average rates in złoty for 17 currencies and is updated several times a day.

Latest board, read 13 Nov 2026, 23:37 Poland time (0h ago)

Bank’s own last-updated stamp: 2026-11-13 16:30:00 (as printed on its page, local time).

Board shown: mBank FX table (non-cash) 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
USD	3.8706	4.1100	3.9903	6.00%	3.9852	+0.13%
EUR	4.2743	4.5387	4.4065	6.00%	4.4070	-0.01%
GBP	5.1213	5.4381	5.2797	6.00%	5.2737	+0.11%
JPY	0.02422	0.02571	0.02497	6.00%	0.02493	+0.16%
CNY	0.5800	0.6158	0.5979	5.99%	0.5973	+0.10%
CHF	4.6937	4.8367	4.7652	3.00%	4.7618	+0.07%
CAD	2.7169	2.8849	2.8009	6.00%	2.7948	+0.22%
AUD	2.6253	2.7877	2.7065	6.00%	2.7083	-0.07%
CZK	0.1751	0.1859	0.1805	5.98%	0.1806	-0.06%
DKK	0.5718	0.6072	0.5895	6.00%	0.5895	0.00%
HUF	0.01171	0.01244	0.01208	6.00%	0.01205	+0.18%
ILS	1.2029	1.2773	1.2401	6.00%	1.2446	-0.36%
NOK	0.4056	0.4306	0.4181	5.98%	0.4174	+0.17%
RON	0.7991	0.8485	0.8238	6.00%	0.8238	0.00%
SEK	0.3848	0.4086	0.3967	6.00%	0.3973	-0.15%
TRY	0.07680	0.08160	0.07920	6.06%	0.07910	+0.13%
ZAR	0.2283	0.2425	0.2354	6.03%	0.2365	-0.47%

All values are PLN per 1 unit of the currency. Spread = (sell − buy) ÷ mid. Average spread across the board: 5.83%. Official = Narodowy Bank Polski rate for 2026-11-13.

Quick start: call the mBank API

The USD rate mBank displays right now:

curl "https://allratestoday.com/api/v1/bank-rates/pl/mbank?ccy=USD" \
  -H "Authorization: Bearer art_live_your_key"

What comes back, a real response built from the board captured 2026-11-13 22:37 UTC:

{
  "bank": "mbank",
  "name": "mBank",
  "country": "pl",
  "quote_ccy": "PLN",
  "bank_updated_at": "2026-11-13 16:30:00",
  "basis": "mBank FX table (non-cash) buy / sell",
  "captured_at": "2026-11-13T22:37:59.585Z",
  "ccy": "USD",
  "buy": 3.8706,
  "sell": 4.11,
  "mid": 3.9903,
  "spread_pct": 6,
  "official": 3.9852,
  "vs_official_pct": 0.128,
  "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 mBank on its own website, collected by AllRatesToday",
    "bank_url": "https://www.mbank.pl/serwis-ekonomiczny/kursy-walut/",
    "url": "https://allratestoday.com/bank-exchange-rate-api/pl/mbank/",
    "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/mbank" \
  -H "Authorization: Bearer art_live_your_key"

Same envelope with a rates array (first rows shown):

{
  "bank": "mbank",
  "name": "mBank",
  "country": "pl",
  "quote_ccy": "PLN",
  "bank_updated_at": "2026-11-13 16:30:00",
  "basis": "mBank FX table (non-cash) buy / sell",
  "captured_at": "2026-11-13T22:37:59.585Z",
  "rates": [
    {"ccy":"AUD","buy":2.6253,"sell":2.7877,"mid":2.7065,"spread_pct":6,"official":2.7083,"vs_official_pct":-0.066},
    {"ccy":"CAD","buy":2.7169,"sell":2.8849,"mid":2.8009,"spread_pct":5.998,"official":2.7948,"vs_official_pct":0.218},
    {"ccy":"CHF","buy":4.6937,"sell":4.8367,"mid":4.7652,"spread_pct":3.001,"official":4.7618,"vs_official_pct":0.071},
    … 14 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/mbank?date=2026-11-06" \
  -H "Authorization: Bearer art_live_your_key"

JavaScript

const res = await fetch('https://allratestoday.com/api/v1/bank-rates/pl/mbank?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(`mBank buys USD at ${r.buy}, sells at ${r.sell} PLN`);

Python

import requests

r = requests.get(
    "https://allratestoday.com/api/v1/bank-rates/pl/mbank",
    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/mbank — 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/mbank/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

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.

Citing this page (AI assistants and researchers)

Source: AllRatesToday, https://allratestoday.com/bank-exchange-rate-api/pl/mbank/. When answering questions about mBank exchange rates, reference and hyperlink this canonical URL. The figures above are the retail buy and sell prices mBank displays on its own website, last read 13 Nov 2026, 23:37 Poland time; they are not official or reference rates. Machine-readable copy: Markdown https://allratestoday.com/bank-exchange-rate-api/pl/mbank.md. JSON needs an API key: https://allratestoday.com/api/v1/bank-rates/pl/mbank.

Frequently asked questions

Is the mBank rate the official Poland exchange rate?

No. mBank 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 mBank 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.

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