Odsetki ustawowe, za opóźnienie i w transakcjach handlowych, z każdą zmianą stopy NBP
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 17 Oct 2026.Odsetki ustawowe za opóźnienie to stopa referencyjna NBP plus 5,5 punktu procentowego, czyli 9,25% rocznie od 5 marca 2026 r., a odsetki w transakcjach handlowych to stopa NBP plus 10 punktów, ustalana na każde półrocze. Kalkulator dzieli okres opóźnienia na części według zmian stóp i liczy odsetki dzień po dniu, od dnia po terminie płatności do dnia zapłaty.
2026 · Rates and rules read from the sources listed on this page (the earliest on 17 Oct 2026); they may have changed since.
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This calculator works out interest on a late payment in Poland at the statutory rates, dividing the time into periods wherever the rate changed.
Three rates. Statutory interest (odsetki ustawowe, kapitałowe) is the NBP reference rate plus 3.5 points (Kodeks cywilny art. 359). Statutory late-payment interest (odsetki ustawowe za opóźnienie), the one most debts carry, is the reference rate plus 5.5 points (art. 481). Between businesses, late payment of an invoice carries the reference rate plus 10 points, or plus 8 points when the debtor is a public health-care provider (commercial transactions act, art. 4).
Compensation. Between businesses the creditor may also claim a fixed compensation for recovery costs (art. 10): 40 euro up to 5,000 zł, 70 euro below 50,000 zł, 100 euro from 50,000 zł, converted at the NBP euro rate of the last working day of the month before the debt fell due.
The rest of the article, and all 6 questions about Odsetki Ustawowe Calculator (Poland), are on the Odsetki Ustawowe Calculator (Poland) page.
Odsetki ustawowe za opóźnienie are the NBP reference rate plus 5.5 points. With the reference rate at 3.75% from 5 March 2026, that is 9.25% a year. Before that it was 9.50% from 4 December 2025 and 9.75% from 6 November 2025.
Commercial late interest: the NBP reference rate plus 10 points, or plus 8 points when the debtor is a public health-care provider. The reference rate used is the one in force on 1 January for January to June, and on 1 July for July to December.
Statutory interest (kapitałowe) is the reference rate plus 3.5 points and applies when a law or contract says interest is due without naming a rate. Late interest (za opóźnienie) is the reference rate plus 5.5 points and applies when a debt is paid after its due date.
Contractual late interest may not exceed twice the statutory late interest a year, the odsetki maksymalne za opóźnienie. With statutory late interest at 9.25% from March 2026, the maximum is 18.50%. A higher agreed rate is cut down to that maximum.
Rates and rules change; check the source before you rely on a figure.
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