finwire.pl
Public financial data API
NBP policy rates, CPI inflation, NBP FX rates, 10-year bond yields, flat transaction prices from notarial deeds (RCN) and GUS, rents and rental yield, housing supply, GUS wages and wages by occupation, unemployment by province and county, government bonds, property tax limits, the macro release calendar and finwire's own indicators (entry threshold, credit stress map, barometers). One clean format, normalized, with explicit source attribution.
Source: finwire.pl, https://public-api.finwire.pl
The data may be used with source attribution and a backlink to finwire.pl. Public data (NBP, GUS, Ministry of Finance) requires attribution to the original source; finwire indicators are available under CC BY 4.0. The license of each dataset is listed on its page. WIBOR and POLSTR are not available: redistribution requires a license from GPW Benchmark.
Time series
Interest rates: NBP policy rates
Current and historical NBP policy rates (reference, lombard, deposit, rediscount, discount), up to 10 years back. WIBOR and POLSTR are not available: they are GPW Benchmark data, and redistributing them requires a license from GPW Benchmark (gpwbenchmark.pl).
/v1/series/interest-rate/{indicator}
CPI inflation (GUS)
Consumer price inflation (CPI), year-over-year (YoY) and month-over-month (MoM), monthly and annual, based on data from Statistics Poland (GUS).
/v1/series/cpi
NBP currency rates
Mid rates (table A) and bid/ask rates (table C) for major currencies against the Polish zloty, current and up to 10 years of daily history, based on NBP tables.
/v1/series/fx/{code}
Housing prices in 17 cities (GUS)
Median transaction price per square meter of flats on the secondary and primary market in 17 Polish cities for the latest quarters, with year-over-year and real (inflation-adjusted) change, based on Statistics Poland (GUS) data. For long history since 2010 use transaction-prices (RCN).
/v1/series/housing/{city}
Government bonds
Interest rates of retail government bonds (OTS, ROR, DOR, TOS, COI, EDO, ROS, ROD) across successive issues, based on Polish Ministry of Finance data.
/v1/bonds
Wages (GUS) - median and percentiles
Median, mean and percentiles of gross wages in Poland, plus average wages across the 16 provinces, based on GUS wage-distribution data.
/v1/wages
Legal limits (IKE, IKZE)
Current legal limits updated annually: annual contribution limits for the IKE and IKZE retirement accounts and related values, based on official announcements.
/v1/legal-limits
Government bond yields (10-year)
Monthly long-term (10-year) government bond yields for Poland, Germany, the euro area and the EU, with the Poland-Germany and Poland-euro area spreads in basis points. Eurostat EMU convergence criterion series.
/v1/series/bond-yields/{geo}
Registered unemployment rate (GUS)
Monthly registered unemployment rate for Poland and the 16 provinces since 2011, plus the counties (powiaty) with the lowest and highest rate, based on the GUS Local Data Bank (BDL).
/v1/series/unemployment
Wages by occupation (GUS)
Mean, median and deciles of gross monthly wages for about 175 occupation groups, by gender and public vs private sector, with the gender pay gap. GUS survey "Structure of wages and salaries by occupation", published every two years.
/v1/wages/occupations/{code}
Local property tax upper limits
Maximum rates of the local property tax (land, buildings, structures) per tax year, as announced by the Minister of Finance in Monitor Polski, with the legal basis. Municipalities set their own rates up to these limits.
/v1/legal-limits/local-tax
Real estate
Flat transaction prices (RCN)
Median, quartiles and quarterly trend of flat prices per square meter from notarial deeds in the Polish Real Estate Price Register (RCN), per city and per district. Aggregates only - no individual deeds.
/v1/housing/transactions/{city}
Asking rents
Median and mean monthly asking rents, rent per square meter and month-over-month change in Polish cities, with a breakdown by district. Based on listings aggregated by znajdznajem.pl.
/v1/rent/{city}
Rental yield
Gross and net rental yield and payback period per city: median asking rent of a 2-room flat (all listings where there are too few) against the secondary-market transaction price per square meter. Net yield accounts for vacancy and the flat-rate rental income tax. Computed by finwire.pl.
/v1/rent/yield
Housing supply and demand (GUS)
Dwellings per 1000 residents, housing stock, completions, building permits, floor area per person, population change and migration for Poland, the 16 provinces and 17 cities, with yearly history since 2010, Census 2021 figures and the GUS population forecast.
/v1/housing/supply/{city}
Calendar
finwire indicators
Entry threshold (wage needed to buy a flat)
The gross monthly wage per person needed to get a mortgage on a model flat (50 sqm, secondary market, 20% down payment, 25 years) within KNF DSTI limits in 17 cities, the installment, and the share of employees who earn at least that. Recomputed daily by finwire.pl.
/v1/index/entry-threshold
Credit market index (housing loans)
A monthly 0-100 index of conditions on the Polish housing loan market (50 = the 2018-2024 average). Weighted average of four standardized components: year-over-year change in new housing loans (NBP, 35%), bank margin over WIBOR 3M (ECB MIR and GPW Benchmark, 25%), net percentage of easing criteria and rising demand in the NBP senior loan officer survey (25%) and the share of impaired PLN housing loans (KNF, 15%). Computed by finwire.pl.
/v1/index/credit-market
finwire credit stress map
The installment of a model mortgage for a 50 sqm flat as a percentage of the average net wage in each of the 16 provinces, with DSTI thresholds per the KNF Recommendation S. Computed by finwire.pl.
/v1/index/credit-stress
Real return on deposits
The rate of the best term deposits minus CPI inflation - a barometer of whether savings actually gain or lose value. Computed by finwire.pl.
/v1/index/real-deposit-rate
Housing affordability (financeable area)
The number of square meters of housing that a model household can finance with a mortgage. Computed by finwire.pl.
/v1/index/housing-affordability
Mortgage cost
A barometer of the current mortgage interest rate against the 3-year average. Computed by finwire.pl.
/v1/index/credit-cost
Borrowing power (barometer)
The maximum mortgage available to a model household over time. Computed by finwire.pl.
/v1/index/borrowing-power
Purchasing power (inflation)
A barometer of the zloty purchasing power based on year-over-year CPI inflation. Computed by finwire.pl.
/v1/index/purchasing-power
Market aggregates
Term deposit rate aggregates
Median, percentiles and spread of term deposit rates currently available on the market, for a model amount and term. Aggregates only - no individual bank offers.
/v1/market/deposit-rates
Savings account rate aggregates
Median and percentiles of savings account rates currently available on the market. Aggregates only - no individual bank offers.
/v1/market/savings-rates
Mortgage rate aggregates
Median APRC (RRSO), margin and nominal rate of mortgages for a model loan. Aggregates only - no individual bank offers.
/v1/market/mortgage-rates
Cash loan rate aggregates
Median APRC (RRSO) and nominal rate of cash loans for a model amount and term. Aggregates only - no individual bank offers.
/v1/market/cash-loan-rates
Snapshot
Usage policy
- Responses are JSON with a
metablock containing the source, date and a ready-to-use citation. - Rate limit: 120 requests / minute per IP. Data is cached at the edge - it refreshes once a day.
- Raw bank offers are not exposed - the "Market aggregates" section returns statistics only.
- WIBOR and POLSTR are not available. They are GPW Benchmark data; using them in your own application requires a Market Data License Agreement with GPW (dystrybucja.informacji@gpw.pl).
- The data is informational. finwire.pl is not a licensed investment adviser.