--- title: "mBank Exchange Rate API: PLN Buy and Sell Rates as JSON" description: "mBank's mbank FX table (non-cash) buy / sell rates for 17 currencies against the Polish zloty, read hourly from the bank's own page and served as JSON with the Narodowy Bank Polski official rate alongside. REST, JavaScript and Python examples." canonical: https://allratestoday.com/blog/mbank-exchange-rate-api/ source: AllRatesToday (https://allratestoday.com/) — Markdown mirror of the page above; index of all pages at https://allratestoday.com/llms.txt generated: 2026-11-15T19:11:50.233Z --- 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. 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 mBank board shows - **17 currencies against the Polish zloty**: AUD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HUF, ILS, JPY, NOK, RON, SEK, TRY, USD and ZAR. Every value is PLN per 1 unit of the foreign currency. - **The mbank FX table (non-cash) buy / sell 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**: mBank bought at 3.8706 and sold at 4.11 PLN, a spread of 6.00%. The Narodowy Bank Polski official rate was 3.9852, so the bank's mid sat +0.13% from it. - **The bank's own timestamp.** The page prints a last-updated stamp (`2026-11-13 16:30:00` 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 CHF (3.00%), NOK (5.98%), CZK (5.98%) and the widest TRY (6.06%), ZAR (6.03%), DKK (6.00%). 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 mBank 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): | Bank | Buy | Sell | Spread | Mid vs official | | --- | --- | --- | --- | --- | | Bank Pekao | 3.8293 | 4.1341 | 7.66% | -0.09% | | BNP Paribas Bank Polska | 3.8099 | 4.1605 | 8.80% | 0.00% | | Crédit Agricole Bank Polska | 3.8417 | 4.1203 | 7.00% | -0.10% | | **mBank** | 3.8706 | 4.11 | 6.00% | +0.13% | | PKO Bank Polski | 3.8227 | 4.1412 | 8.00% | -0.08% | | Erste Bank Polska (formerly Santander Bank Polska) | 3.8525 | 4.1319 | 7.00% | +0.18% | | Bank Millennium | 3.8339 | 4.1327 | 7.50% | -0.05% | | Alior Bank | 3.8128 | 4.175 | 9.07% | +0.22% | | VeloBank | 3.8329 | 4.1536 | 8.03% | +0.20% | | Bank Pocztowy | 3.8301 | 4.1369 | 7.70% | -0.04% | | Citi Handlowy | 3.8686 | 4.1079 | 6.00% | +0.08% | | Toyota Bank Polska | 3.8258 | 4.1446 | 8.00% | 0.00% | | Bank Polskiej Spółdzielczości (Bank BPS) | 3.8886 | 4.0728 | 4.63% | -0.11% | | Auret Bank Spółdzielczy | 3.9738 | 4.0174 | 1.09% | +0.26% | | Bank Spółdzielczy w Andrespolu | 3.9639 | 4.0075 | 1.09% | +0.01% | | Bank Spółdzielczy w Lubartowie | 3.9553 | 4.0129 | 1.45% | -0.03% | | Bank Spółdzielczy w Łańcucie | 3.9731 | 4.0167 | 1.09% | +0.24% | | HEXA Bank Spółdzielczy | 3.9775 | 4.0011 | 0.59% | +0.10% | | SAN Bank Spółdzielczy | 3.9818 | 4.0094 | 0.69% | +0.26% | | Bank Spółdzielczy w Staszowie | 3.9682 | 4.0182 | 1.25% | +0.20% | | SBR Bank (Spółdzielczy Bank Rozwoju) | 3.964 | 4.0276 | 1.59% | +0.27% | | Bank Spółdzielczy w Dąbrowie Tarnowskiej | 3.8802 | 4.1047 | 5.62% | +0.18% | | Bank Spółdzielczy w Ostrowi Mazowieckiej | 3.8464 | 4.1193 | 6.85% | -0.06% | | Bank Spółdzielczy w Szczytnie | 3.8497 | 4.1135 | 6.63% | -0.09% | | Łącki Bank Spółdzielczy | 3.91 | 4.05 | 3.52% | -0.13% | | Bank Spółdzielczy w Iłży | 3.85 | 4.03 | 4.57% | -1.13% | | Morąsko-Zalewski Bank Spółdzielczy | 3.8075 | 4.1677 | 9.03% | +0.06% | | Bank Spółdzielczy w Skierniewicach | 3.88 | 4.06 | 4.53% | -0.38% | | Międzypowiatowy Bank Spółdzielczy w Myszkowie | 3.8839 | 4.0841 | 5.03% | -0.03% | | SGB-Bank | 3.8075 | 4.1677 | 9.03% | +0.06% | | Bank Spółdzielczy w Czarnkowie | 3.83 | 4.11 | 7.05% | -0.38% | | InoBank | 3.8901 | 4.0847 | 4.88% | +0.06% | | Bank Spółdzielczy w Pucku | 3.7999 | 4.1719 | 9.33% | +0.02% | | Spółdzielczy Bank Ludowy w Zakrzewie | 3.8931 | 4.0882 | 4.89% | +0.14% | | Krakowski Bank Spółdzielczy | 3.8227 | 4.1412 | 8.00% | -0.08% | | Bank Spółdzielczy w Brodnicy | 3.8526 | 4.1131 | 6.54% | -0.06% | | Bank Spółdzielczy Rzemiosła w Krakowie | 3.8886 | 4.0728 | 4.63% | -0.11% | | Raiffeisen Bank International (Poland branch) | 3.7916 | 4.1706 | 9.52% | -0.10% | mBank had the 18th 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](https://allratestoday.com/register/) works. The full board: ``` curl "https://allratestoday.com/api/v1/bank-rates/pl/mbank" \ -H "Authorization: Bearer art_live_your_key" ``` What comes back (the 15 November 2026 board, first three rows): ``` { "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": "2026-11-15T11:52:29.235Z", "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": "…", "attribution": { … } } ``` One currency, with the row fields at the top level: ``` curl "https://allratestoday.com/api/v1/bank-rates/pl/mbank?ccy=USD" \ -H "Authorization: Bearer art_live_your_key" ``` ``` { "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": "2026-11-15T11:52:29.235Z", "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 board as it stood on a past day: ``` curl "https://allratestoday.com/api/v1/bank-rates/pl/mbank?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/mbank/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' }); // mBank's USD row const r = await client.bankRates('pl', { bank: 'mbank', ccy: 'USD' }); console.log(`mBank 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: 'mbank', 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/mbank", 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. mBank'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](https://allratestoday.com/central-bank-rates-api/nbp/) when a rule asks for the official rate. ## FAQ ### Where do the mBank rates come from? From the bank's own public rates page (https://www.mbank.pl/serwis-ekonomiczny/kursy-walut/), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price mBank shows, with the mid, the spread and the Narodowy Bank Polski rate added. ### Are these the official PLN exchange rates? No. They are mBank'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 mBank 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 mBank 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. ## mBank rates, as JSON Free API key, hourly board captures, the official rate alongside. [Get your free API key](https://allratestoday.com/register/) ## Related - [mBank live board rates](https://allratestoday.com/bank-exchange-rate-api/pl/mbank/) - [All banks in Poland side by side](https://allratestoday.com/bank-exchange-rate-api/pl/) - [Narodowy Bank Polski official rates API](https://allratestoday.com/central-bank-rates-api/nbp/) - [Bank Pekao exchange rate API guide](https://allratestoday.com/blog/bank-pekao-exchange-rate-api/) - [BNP Paribas Bank Polska exchange rate API guide](https://allratestoday.com/blog/bnp-paribas-bank-polska-exchange-rate-api/) - [Crédit Agricole Bank Polska exchange rate API guide](https://allratestoday.com/blog/credit-agricole-bank-polska-exchange-rate-api/) - [PKO Bank Polski exchange rate API guide](https://allratestoday.com/blog/pko-bank-polski-exchange-rate-api/) - [Erste Bank Polska (formerly Santander Bank Polska) exchange rate API guide](https://allratestoday.com/blog/erste-bank-polska-formerly-santander-bank-polska-exchange-rate-api/) - [Bank Millennium exchange rate API guide](https://allratestoday.com/blog/bank-millennium-exchange-rate-api/) - [Alior Bank exchange rate API guide](https://allratestoday.com/blog/alior-bank-exchange-rate-api/) - [VeloBank exchange rate API guide](https://allratestoday.com/blog/velobank-exchange-rate-api/) - [Bank Pocztowy exchange rate API guide](https://allratestoday.com/blog/bank-pocztowy-exchange-rate-api/) - [Citi Handlowy exchange rate API guide](https://allratestoday.com/blog/citi-handlowy-exchange-rate-api/) - [Toyota Bank Polska exchange rate API guide](https://allratestoday.com/blog/toyota-bank-polska-exchange-rate-api/) - [Bank Polskiej Spółdzielczości (Bank BPS) exchange rate API guide](https://allratestoday.com/blog/bank-polskiej-spo-dzielczosci-bank-bps-exchange-rate-api/) - [Every bank exchange rate API guide, by country](https://allratestoday.com/blog/bank-exchange-rate-api-guides/) - [Commercial bank rates API: every bank and country](https://allratestoday.com/bank-exchange-rate-api/)