Bank Pocztowy Exchange Rate API: PLN Buy and Sell Rates as JSON

Bank Pocztowy is a Polish retail bank owned by Poczta Polska and PKO Bank Polski, serving customers through post offices. Its kursy walut table gives buying and selling rates in zloty for 10 currencies, published each business morning. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Narodowy Bank Polski official rate and with other banks in Poland, and the calls that return them.

What the Pocztowy board shows

• 10 currencies against the Polish zloty: CAD, CHF, CZK, DKK, EUR, GBP, JPY, NOK, SEK and USD. Every value is PLN per 1 unit of the foreign currency.
• The bank exchange table buy / sell (one table for cash and transfers) pair. Polish banks set their own buying and selling rates several times a day; the National Bank of Poland publishes one official mid rate per business day (Table A), which tax and accounting rules use. The pair here is the bank’s branch board.
• USD on 15 November 2026: Pocztowy bought at 3.8301 and sold at 4.1369 PLN, a spread of 7.70%. The Narodowy Bank Polski official rate was 3.9852, so the bank's mid sat -0.04% from it.
• The bank's own timestamp. The page prints a last-updated stamp (2026-11-13 08:00 (nr 222/1) on the board above), returned as bank_updated_at next to our captured_at.
• Every day's board is kept permanently, from 13 November 2026. Read one past day with ?date=, or a range for one currency with the /history endpoint (paid plans).

Spreads across the board

On the 15 November 2026 board the tightest spreads were CAD (7.50%), CHF (7.50%), JPY (7.50%) and the widest NOK (7.71%), USD (7.70%), GBP (7.70%). Spread is (sell − buy) ÷ mid: what a round trip through the bank costs, before any fees. The API returns it on every row as spread_pct, so you can rank currencies or alert when a bank widens its board.

USD at Pocztowy and other banks in Poland

USD on the 38 boards AllRatesToday reads in Poland, all captured on 15 November 2026 (the Narodowy Bank Polski official rate was 3.9852):

Pocztowy had the 28th narrowest USD spread of the 38. One call to /api/v1/bank-rates/pl returns every board in the table at once.

Get the board (REST)

You need an API key; the free key works. The full board:

curl "https://allratestoday.com/api/v1/bank-rates/pl/pocztowy" \
  -H "Authorization: Bearer art_live_your_key"

What comes back (the 15 November 2026 board, first three rows):

{
  "bank": "pocztowy",
  "name": "Bank Pocztowy",
  "country": "pl",
  "quote_ccy": "PLN",
  "bank_updated_at": "2026-11-13 08:00 (nr 222/1)",
  "basis": "Bank exchange table buy / sell (one table for cash and transfers)",
  "captured_at": "2026-11-15T11:37:35.268Z",
  "rates": [
    {"ccy":"CAD","buy":2.6883,"sell":2.8977,"mid":2.793,"spread_pct":7.497,"official":2.7948,"vs_official_pct":-0.064},
    {"ccy":"CHF","buy":4.5887,"sell":4.9463,"mid":4.7675,"spread_pct":7.501,"official":4.7618,"vs_official_pct":0.12},
    {"ccy":"CZK","buy":0.1739,"sell":0.1875,"mid":0.1807,"spread_pct":7.526,"official":0.1806,"vs_official_pct":0.055},
    … 7 more currencies
  ],
  "disclaimer": "…",
  "attribution": { … }
}

One currency, with the row fields at the top level:

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

{
  "bank": "pocztowy",
  "name": "Bank Pocztowy",
  "country": "pl",
  "quote_ccy": "PLN",
  "bank_updated_at": "2026-11-13 08:00 (nr 222/1)",
  "basis": "Bank exchange table buy / sell (one table for cash and transfers)",
  "captured_at": "2026-11-15T11:37:35.268Z",
  "ccy": "USD",
  "buy": 3.8301,
  "sell": 4.1369,
  "mid": 3.9835,
  "spread_pct": 7.702,
  "official": 3.9852,
  "vs_official_pct": -0.043,
  "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 Pocztowy on its own website, collected by AllRatesToday",
    "bank_url": "https://www.pocztowy.pl/kursy-walut",
    "url": "https://allratestoday.com/bank-exchange-rate-api/pl/pocztowy/",
    "terms": "Public pages that show the rates need a visible link to allratestoday.com"
  }
}

The board as it stood on a past day:

curl "https://allratestoday.com/api/v1/bank-rates/pl/pocztowy?date=2026-11-13" \
  -H "Authorization: Bearer art_live_your_key"

One currency over a date range, one row per day (paid plans; add &format=csv, xml or xlsx for a file):

curl "https://allratestoday.com/api/v1/bank-rates/pl/pocztowy/history?ccy=USD&from=2026-11-13&to=2026-11-15" \
  -H "Authorization: Bearer art_live_your_key"

JavaScript

npm install @allratestoday/sdk

import { AllRatesToday } from '@allratestoday/sdk';

const client = new AllRatesToday({ apiKey: 'art_live_your_key' });

// Bank Pocztowy's USD row
const r = await client.bankRates('pl', { bank: 'pocztowy', ccy: 'USD' });
console.log(`Pocztowy buys USD at ${r.buy}, sells at ${r.sell} PLN`);

// The board as it stood on a past day
const past = await client.bankRates('pl', { bank: 'pocztowy', date: '2026-11-13' });
console.log(past.snapshot_date, past.rates.length);

Python

import requests

r = requests.get(
    "https://allratestoday.com/api/v1/bank-rates/pl/pocztowy",
    headers={"Authorization": "Bearer art_live_your_key"},
    timeout=10,
)
r.raise_for_status()
for row in r.json()["rates"]:
    print(row["ccy"], row["buy"], row["sell"], row["spread_pct"])

Board rate or official rate?

The Narodowy Bank Polski rate is the one tax, accounting and customs rules in Poland name; nobody transacts at it. Pocztowy's board is the price a customer actually gets. The API puts both on every row: official is the central bank's rate for the same currency and vs_official_pct is how far the bank's mid sits from it. Use the board to show customers a real price, compare banks for a remittance, or keep a dated record of what the bank quoted; use the Narodowy Bank Polski endpoint when a rule asks for the official rate.

FAQ

Where do the Bank Pocztowy rates come from?

From the bank's own public rates page (https://www.pocztowy.pl/kursy-walut), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Pocztowy shows, with the mid, the spread and the Narodowy Bank Polski rate added.

Are these the official PLN exchange rates?

No. They are Pocztowy's retail prices for customers. The official rate in Poland is the Narodowy Bank Polski rate, which the API returns as official on each row where the central bank has one, and in full from the central-bank endpoint.

How often is the Pocztowy board updated?

AllRatesToday reads the page every hour. The bank's own last-updated stamp is returned as bank_updated_at, so you can tell a fresh read of an unchanged board from a new board.

Can I get Pocztowy rates for a past date?

Yes, from 13 November 2026 onward; every day's board is kept permanently. Add ?date=YYYY-MM-DD for one day: the response is the board captured that day, or the nearest earlier day within five days, with date_requested and snapshot_date added. For a range, /history?ccy=USD&from=…&to=… returns one row per day as JSON, CSV, XML or XLSX on paid plans.

Do I need an API key?

Yes. Commercial bank boards need an API key; any plan works, the free key included, and each call counts against the plan. Public pages or widgets that show the rates need a visible link to allratestoday.com.