Skip to content
RRMARKETING
MarketingStrategy, campaigns, brand communication

Reference rate

main interest rate of the NBP

The cost of money set by the Monetary Policy Council. It determines the interest rates on loans and deposits across the entire economy.

Why it matters

It influences purchases financed by credit — such as real estate, automobiles, and consumer electronics. A rate hike cuts demand in these categories faster than any shift in consumer sentiment.

What's missing without it

Without tracking the rate, a credit-related campaign may launch at the exact moment when the customer has just lost purchasing power.

When it is used

When planning campaigns in credit-financed categories and forecasting durable goods sales.

How we use it

The MPC decides once a month; the announcement following the meeting can be more impactful than the decision itself.

Numbers worth knowing

Marketing in data

10,6%

Rynek reklamy online w Polsce wzrósł o 10,6% w pierwszym kwartale 2026 roku.

IAB Polska/PwC01/2026Poland

77 500 000 000

Liczba odsłon reklam online w Polsce w lipcu 2026

Gemius08/2026Poland

83%

Od lipca 2024 do czerwca 2026 wskaźnik zgłoszeń reklam oszukańczych spadł w Polsce o 83%.

Meta09/2026Poland

Figures from the same field — collected in our market data base.

Related terms

Reference rate — what is it? | Mediarun Glossary