Narodowy Bank Polski

Payment System

Payment habits in Poland

The study on “Payment habits in Poland in 2020” is the third in a series of studies carried out by Narodowy Bank Polski aimed at analysing how retail payment transactions in Poland are performed. The main objective of the presented study was to identify the extent of usage and characteristics of payment methods used by Polish residents to meet the needs of everyday life. Payment habits change constantly, therefore updating knowledge in this area is essential for the planning and conducting central bank activities related to the organisation of payments in Poland. Additional tasks put before this study was to find out the current ratio of bank account ownership in Poland as well as check facts, attitudes and opinions associated with cash and cashless transactions.

An abridged version presenting selected key findings of this very comprehensive study is also available to download. It focuses mainly on the results of the diary survey, as well as on the results of the questionnaire survey which relate to basic indicators of account ownership and consumer financial inclusion as well as the impact of the COVID-19 pandemic on payment habits.

NBP interest rates

Reference rate 6.75
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Deposit rate 6.25
Rediscount rate 6.80
Discount rate 6.85

Exchange rates

Table of 2022-12-05
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1 USD4.4415
1 CHF4.7542
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100 JPY3.2842

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Narodowy Bank Polski
Świętokrzyska 11/21
00-919 Warszawa

+48 22 185 10 00
NIP: 525-000-81-98
REGON: 000002223
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