Polish Interest and Court Fee Calculator

Polish statutory interest rates in 2026

Polish statutory interest is tied to the National Bank of Poland (NBP) reference rate, which has stood at 3.75% since 5 March 2026. Every change in that rate changes the interest rates automatically, so for longer periods of late payment interest is calculated separately for each period.

• statutory (capital) interest: 7.25% a year, i.e. the NBP reference rate plus 3.5 percentage points (Art. 359 § 2 of the Civil Code),
• statutory interest for late payment: 9.25% a year, i.e. the reference rate plus 5.5 percentage points (Art. 481 § 2 of the Civil Code),
• maximum interest: 14.50% (capital) and 18.50% (late payment), twice the statutory rates,
• late payment interest in commercial transactions: 13.75% a year from 1 July 2026 (reference rate plus 10 percentage points), or 11.75% where the debtor is a public healthcare entity (reference rate plus 8 points).

Commercial late payment interest is fixed for each half-year, based on the reference rate on the first working day of January or July.

How to calculate late payment interest in Poland

Late payment interest runs from the day after the payment was due until the day it is paid, using the formula: amount × interest rate × days late / 365.

Example: for a debt of PLN 10,000 paid 90 days late, statutory late payment interest at 9.25% comes to 10,000 × 0.0925 × 90 / 365 = PLN 228.08. The same debt in a commercial transaction, at 13.75%, gives PLN 339.04 for the same period.

Late payment interest is due whether or not the creditor suffered any loss, and regardless of the reason for the delay (Art. 481 § 1 of the Civil Code).

Debt recovery compensation: EUR 40, 70 or 100

In commercial transactions between businesses, a creditor is entitled, without any demand, to compensation for debt recovery costs on top of interest. The amount depends on the size of the debt and is converted into złoty at the NBP average euro rate:

• EUR 40 where the debt does not exceed PLN 5,000,
• EUR 70 where it exceeds PLN 5,000 but is below PLN 50,000,
• EUR 100 where it is PLN 50,000 or more.

The compensation is due separately for each unpaid invoice.

Court fees in Poland in 2026: how much it costs to sue

For money claims, the court fee for filing a claim depends on the value of the claim (Art. 13 of the Act on Court Costs in Civil Cases). Up to PLN 20,000 there are seven fixed bands, from PLN 30 to PLN 1,000. Above PLN 20,000 the fee is 5% of the value of the claim.

Since 23 September 2025, that 5% fee is capped at PLN 100,000, down from PLN 200,000 previously.

Example: for a claim worth PLN 50,000, the court fee is 5%, i.e. PLN 2,500.

Fixed court fees in common cases

Some cases carry a fixed fee regardless of value:

• divorce petition: PLN 600,
• a consumer’s claim against a bank, such as a Swiss franc mortgage case, worth over PLN 20,000: PLN 1,000.

A party who cannot pay court costs without harming their own or their family’s maintenance can apply for an exemption from court costs.