Reference · Poland · 1 July – 31 December 2026
Poland late payment interest rate
The statutory interest on an overdue B2B invoice in Poland is 13.75% a year for 1 July – 31 December 2026: Poland's reference rate of 3.75% plus a margin of 10 points.
Non-euro, higher margin. Ordinary B2B = NBP reference rate + 10pp (Monitor Polski 2026 poz. 642). A lower 11.75% (+8pp) applies where the debtor is a public medical entity.
- Rate
- 13.75%
- Reference + margin
- 3.75% + 10pp
- Applies
- 1 July – 31 December 2026. Next reset 1 January 2027. Non-euro: invoices in PLN.
- Source
- monitorpolski.gov.pl · verified 9 July 2026
What 13.75% comes to on an unpaid invoice
Simple interest at 13.75% a year on a 365-day year, counted from the day after the payment date.
| Invoice | 30 days | 60 days | 90 days |
|---|---|---|---|
| 20,000 PLN | 226.03 PLN | 452.05 PLN | 678.08 PLN |
| 40,000 PLN | 452.05 PLN | 904.11 PLN | 1,356.16 PLN |
| 200,000 PLN | 2,260.27 PLN | 4,520.55 PLN | 6,780.82 PLN |
Work out the interest on your invoice
Prefilled with Poland's statutory rate for 1 July – 31 December 2026. If your contract sets a higher rate, use that instead.
Interest you can claim
904.11 PLN
40,904.11 PLN with the invoice · 15.07 PLN a day
Alongside the rate
When interest starts, and the recovery fee
Interest runs from the day after the payment date in your contract. If the contract sets none, it runs from 30 days after your customer receives the invoice. Agreed payment terms longer than 60 days are only valid if they were expressly agreed and aren't grossly unfair to you.
On top of the interest, you are owed a fixed sum of at least €40 per late invoice for recovery costs. It is due automatically, with no reminder needed, and you can claim reasonable recovery costs above it, such as a collection agency's fees. Poland sets the fixed sum in PLN; check the national rule for the exact amount.
These are the rules of Directive 2011/7/EU, which every member state applies. National law can be stricter, so check Poland's own rules before relying on them.
How Poland compares
Outside the euro area, Poland builds its rate on its own central bank's rate (3.75%) rather than the ECB's (2.40%). It adds 10 points, above the Directive's minimum of 8.
Of the other 26 EU countries, 2 set a higher statutory rate and 24 a lower one. The range runs from 10.00% (Denmark and Sweden) to 14.50% (Romania).
Charging interest is the easy part. Collecting is the work.
DueTrail turns overdue invoices into managed cases with reviewable reminders and promise-to-pay tracking, so your team follows up the same way in Poland as everywhere else you sell.