exotic pair · USD/PLN
US Dollar to Polish Zloty: the daily ECB reference rate, a historical chart, pair specification and what drives each currency.
3.90430
-0.04860 (-1.23%)
1 USD = 3.90430 PLN · 1 PLN = 0.25613 USD · previous 3.95290 on 3 Nov 2026
USD/PLN ECB reference rate, 4 Nov 2025 to 4 Nov 2026: from 3.70460 to 3.90430 (up 5.39%). High 3.95630 on 28 Oct 2026, low 3.50990 on 28 Jan 2026.
256 daily observations · 4 Nov 2025 – 4 Nov 2026
Latest rate within the 12-month range
The latest rate sits at 88% of the 12-month low-to-high range.
Calculated from daily ECB reference rates — closing-type snapshots, not intraday highs and lows.
Understanding the pair
In USD/PLN the US Dollar is the base currency and the Polish Zloty is the quote currency. The rate tells you how many PLN one USD buys, so a rising USD/PLN means the US Dollar is strengthening against the Polish Zloty.
USD/PLN is an exotic pair: it combines a major currency with that of a smaller or emerging economy, so spreads, swap costs and the size of sudden moves are typically larger than for the majors.
Prices are quoted to 5 decimal places here. One pip is 0.0001, so on a standard lot of 100,000 USD a one-pip move is worth 10 PLN — use the pip calculator to convert that into your account currency.
Liquidity in USD/PLN is usually deepest when both home markets are open — the New York (08:00–17:00 New York time) and London (08:00–17:00 London time) sessions. See live session times on the market hours clock.
The world's main reserve and invoicing currency. The BIS 2022 Triennial Survey found the dollar on one side of about 88% of all FX trades, so US interest-rate expectations and risk sentiment ripple through almost every pair.
Central bank: Federal Reserve
Poland is an EU member that has kept its own currency. The zloty tends to track euro-area growth and regional risk sentiment.
Central bank: Narodowy Bank Polski
USD/PLN shows how many Polish Zloty (PLN) one US Dollar (USD) buys. USD is the base currency and PLN is the quote currency. If the rate rises, the US Dollar has strengthened against the Polish Zloty.
No. It is derived from the euro foreign exchange reference rates published by the European Central Bank once per working day around 16:00 CET. It is useful for reference, budgeting and calculator inputs, but it is not an executable trading quote — a broker's bid and ask will differ.
By convention one pip in USD/PLN is 0.0001 because the pair is quoted in PLN. On a standard lot of 100,000 USD, a one-pip move is worth 10 PLN. Brokers may quote an extra decimal (a pipette).
Liquidity is typically deepest when both home markets are open: the New York (08:00–17:00 New York time) and London (08:00–17:00 London time) sessions, and especially where they overlap.
Educational information only, not investment advice. Trading leveraged currency products carries a high risk of losing money.