# euroref — European government reference data

No account. No API key. No signup. Pay per call with x402.

Clean, cited JSON for European government reference values — central-bank
policy rates, VAT, minimum wages, CPI inflation, corporate & personal income tax,
and public holidays across 26 countries. Every response includes the
official source URL, effective date, last_confirmed date and a stale flag.

## If you sell over x402, start here
Making a cross-border digital sale? Before you settle, know who accounts for the VAT:
- POST https://euroref.dev/v1/vat/determine {seller_country, buyer_country, buyer_type?}
  → place of supply, who accounts for VAT, rate basis, registration trigger — each
    cited to the statute (EU / UK / South Africa). Wallet-only buyer with no tax id →
    treated as B2C and flagged. Out-of-scope country pairs are refused FREE (422),
    never guessed. $0.10/call.

## Sources & licence
Every value is compiled from official government sources — central banks,
finance and labour ministries, revenue authorities, statistical offices — and
each response cites the exact official source URL it was verified against.
Independent service, not affiliated with any government. Verify against the
cited official source before legal or financial use.

## How to call a paid endpoint (x402)
1. Call the endpoint with no payment. You get HTTP 402. The payment challenge is in the
   base64-encoded `payment-required` RESPONSE HEADER (the body is an empty `{}`); decode it to see
   price, asset (USDC), network (eip155:8453 = Base) and pay-to address.
2. Sign the payment with any x402 client — @x402/fetch wraps fetch and does
   steps 1-3 automatically.
3. Retry with the signed X-PAYMENT header. You get HTTP 200 + the data;
   the settlement receipt is returned in the PAYMENT-RESPONSE header.
Bad input is rejected FREE (4xx before the payment gate) — you never pay to fail.
Free, no payment: https://euroref.dev/catalog · https://euroref.dev/llms.txt · https://euroref.dev/openapi.json · public holidays.

## Pricing ladder
- $0.001/call — any single series value, its history, or the change feed
- $0.02 — full regional snapshot (/v1/all) · VAT breakdown · working-days calculator
- $0.05 — minimum-wage compliance check · income-tax computation
- $0.10 — gross-to-net payroll (NG, KE) · cross-border VAT determination · webhook alerts
Licensed tiers / API keys: api@3l-groupconsulting.co.za

## Machine-readable discovery
- x402 resource map: https://euroref.dev/.well-known/x402.json
- Agent card: https://euroref.dev/.well-known/agent.json
- OpenAPI: https://euroref.dev/openapi.json
- MCP server (streamable HTTP): https://euroref.dev/mcp — tools: list_series, get_public_holidays (free); get_series, get_series_history, get_snapshot (paid via x402 or api_key)

## Series
- GET /v1/at/policy-rate — Austria: Policy interest rate
- GET /v1/at/vat — Austria: Value added tax (Umsatzsteuer / Mehrwertsteuer) — standard rate
- GET /v1/at/minimum-wage — Austria: Statutory national minimum wage
- GET /v1/at/public-holidays — Austria: Public holidays (free)
- GET /v1/at/cpi — Austria: Consumer price inflation (VPI, year-on-year)
- GET /v1/at/corporate-tax — Austria: Corporate income tax (Körperschaftsteuer)
- GET /v1/at/income-tax — Austria: Personal income tax (Einkommensteuer) — tariff
- GET /v1/be/policy-rate — Belgium: Policy interest rate
- GET /v1/be/vat — Belgium: Value added tax (TVA / btw) — standard rate
- GET /v1/be/minimum-wage — Belgium: National minimum wage (revenu minimum mensuel moyen garanti, RMMMG)
- GET /v1/be/public-holidays — Belgium: Public holidays (free)
- GET /v1/be/cpi — Belgium: Consumer price inflation (CPI)
- GET /v1/be/corporate-tax — Belgium: Corporate income tax (impôt des sociétés / vennootschapsbelasting)
- GET /v1/be/income-tax — Belgium: Personal income tax (impôt des personnes physiques / personenbelasting)
- GET /v1/bg/policy-rate — Bulgaria: Policy Rate (ECB Deposit Facility Rate)
- GET /v1/bg/vat — Bulgaria: Value Added Tax (Данък върху добавената стойност, ДДС)
- GET /v1/bg/minimum-wage — Bulgaria: Statutory Minimum Wage (Минимална работна заплата за страната)
- GET /v1/bg/public-holidays — Bulgaria: Public Holidays (Официални празници) (free)
- GET /v1/bg/cpi — Bulgaria: Consumer Price Inflation (Индекс на потребителските цени, year-on-year)
- GET /v1/bg/corporate-tax — Bulgaria: Corporate Income Tax (Корпоративен данък)
- GET /v1/bg/income-tax — Bulgaria: Personal Income Tax (Данък върху доходите на физическите лица)
- GET /v1/ch/policy-rate — Switzerland: SNB policy rate (SNB-Leitzins)
- GET /v1/ch/vat — Switzerland: MWST/TVA standard rate (Normalsatz)
- GET /v1/ch/minimum-wage — Switzerland: National statutory minimum wage
- GET /v1/ch/public-holidays — Switzerland: Public holidays (free)
- GET /v1/ch/cpi — Switzerland: CPI inflation (year-on-year)
- GET /v1/ch/corporate-tax — Switzerland: Corporate income tax rate (federal, direkte Bundessteuer)
- GET /v1/ch/income-tax — Switzerland: Personal income tax brackets (federal, direkte Bundessteuer)
- GET /v1/cz/policy-rate — Czechia: CNB two-week repo rate (2T repo sazba)
- GET /v1/cz/vat — Czechia: VAT standard rate (DPH základní sazba)
- GET /v1/cz/minimum-wage — Czechia: Minimum wage (minimální mzda), monthly
- GET /v1/cz/public-holidays — Czechia: Public holidays (free)
- GET /v1/cz/cpi — Czechia: CPI inflation (year-on-year)
- GET /v1/cz/corporate-tax — Czechia: Corporate income tax rate (daň z příjmů právnických osob)
- GET /v1/cz/income-tax — Czechia: Personal income tax rates (daň z příjmů fyzických osob)
- GET /v1/de/policy-rate — Germany: Policy Rate (ECB Deposit Facility Rate)
- GET /v1/de/vat — Germany: Value Added Tax (Umsatzsteuer / Mehrwertsteuer)
- GET /v1/de/minimum-wage — Germany: Statutory Minimum Wage (Gesetzlicher Mindestlohn)
- GET /v1/de/public-holidays — Germany: Public Holidays (free)
- GET /v1/de/cpi — Germany: Consumer Price Inflation (Verbraucherpreisindex, year-on-year)
- GET /v1/de/corporate-tax — Germany: Corporate Income Tax (Koerperschaftsteuer)
- GET /v1/de/income-tax — Germany: Personal Income Tax (Einkommensteuer)
- GET /v1/dk/policy-rate — Denmark: Policy interest rate
- GET /v1/dk/vat — Denmark: Value added tax (moms / merværdiafgift)
- GET /v1/dk/minimum-wage — Denmark: National minimum wage
- GET /v1/dk/public-holidays — Denmark: Public holidays (free)
- GET /v1/dk/cpi — Denmark: Consumer price inflation (forbrugerprisindeks, year-on-year)
- GET /v1/dk/corporate-tax — Denmark: Corporate income tax (selskabsskat)
- GET /v1/dk/income-tax — Denmark: Personal income tax (state income tax, indkomstår 2026)
- GET /v1/es/policy-rate — Spain: Policy interest rate
- GET /v1/es/vat — Spain: Value added tax (IVA) — standard rate
- GET /v1/es/minimum-wage — Spain: Minimum wage (Salario Mínimo Interprofesional, SMI)
- GET /v1/es/public-holidays — Spain: Public holidays (free)
- GET /v1/es/cpi — Spain: Consumer price index (IPC) — annual inflation rate
- GET /v1/es/corporate-tax — Spain: Corporate income tax (Impuesto sobre Sociedades) — general rate
- GET /v1/es/income-tax — Spain: Personal income tax (IRPF) — general state scale
- GET /v1/eu/fx-reference — Euro Area: ECB euro foreign exchange reference rates
- GET /v1/fi/policy-rate — Finland: Policy Rate (ECB Deposit Facility Rate)
- GET /v1/fi/vat — Finland: Value Added Tax (Arvonlisävero / ALV)
- GET /v1/fi/minimum-wage — Finland: Statutory Minimum Wage (none - set by collective agreement)
- GET /v1/fi/public-holidays — Finland: Public Holidays (free)
- GET /v1/fi/cpi — Finland: Consumer Price Inflation (Kuluttajahintaindeksi, year-on-year)
- GET /v1/fi/corporate-tax — Finland: Corporate Income Tax (Yhteisövero)
- GET /v1/fi/income-tax — Finland: Personal Income Tax (Ansiotulon valtion tulovero)
- GET /v1/fr/policy-rate — France: Policy interest rate (ECB deposit facility rate)
- GET /v1/fr/vat — France: Value added tax (TVA) — standard rate
- GET /v1/fr/minimum-wage — France: Statutory minimum wage (SMIC horaire brut)
- GET /v1/fr/public-holidays — France: Public holidays (jours fériés) (free)
- GET /v1/fr/cpi — France: Consumer price inflation (IPC, year-on-year)
- GET /v1/fr/corporate-tax — France: Corporate income tax (impôt sur les sociétés) — standard rate
- GET /v1/fr/income-tax — France: Personal income tax (impôt sur le revenu) — barème progressif
- GET /v1/gb/policy-rate — United Kingdom: Bank of England Bank Rate
- GET /v1/gb/vat — United Kingdom: Value Added Tax (standard rate)
- GET /v1/gb/minimum-wage — United Kingdom: National Living Wage (statutory minimum, age 21+)
- GET /v1/gb/public-holidays — United Kingdom: Bank and public holidays 2026 (free)
- GET /v1/gb/cpi — United Kingdom: Consumer Prices Index, annual inflation rate
- GET /v1/gb/corporate-tax — United Kingdom: Corporation Tax (main rate)
- GET /v1/gb/income-tax — United Kingdom: Income Tax bands (England, Wales and Northern Ireland)
- GET /v1/gr/policy-rate — Greece: Policy Rate (ECB Deposit Facility Rate)
- GET /v1/gr/vat — Greece: Value Added Tax (Foros Prostithemenis Axias, FPA)
- GET /v1/gr/minimum-wage — Greece: Statutory Minimum Wage (Katotatos Misthos)
- GET /v1/gr/public-holidays — Greece: Public Holidays (free)
- GET /v1/gr/cpi — Greece: Consumer Price Inflation (Deiktis Timon Katanaloti, year-on-year)
- GET /v1/gr/corporate-tax — Greece: Corporate Income Tax (Foros Eisodimatos Nomikon Prosopon)
- GET /v1/gr/income-tax — Greece: Personal Income Tax (Foros Eisodimatos Fysikon Prosopon)
- GET /v1/hu/policy-rate — Hungary: MNB central bank base rate (jegybanki alapkamat)
- GET /v1/hu/vat — Hungary: ÁFA standard rate (általános forgalmi adó, általános adómérték)
- GET /v1/hu/minimum-wage — Hungary: Minimum wage (kötelező legkisebb munkabér / minimálbér), monthly gross
- GET /v1/hu/public-holidays — Hungary: Public holidays (munkaszüneti napok) (free)
- GET /v1/hu/cpi — Hungary: CPI inflation (fogyasztóiár-index, year-on-year)
- GET /v1/hu/corporate-tax — Hungary: Corporate income tax rate (társasági adó)
- GET /v1/hu/income-tax — Hungary: Personal income tax rate (személyi jövedelemadó), flat
- GET /v1/ie/policy-rate — Ireland: Policy interest rate
- GET /v1/ie/vat — Ireland: Value added tax (VAT / Cáin Bhreisluacha) — standard rate
- GET /v1/ie/minimum-wage — Ireland: National Minimum Wage (Íosphá Náisiúnta)
- GET /v1/ie/public-holidays — Ireland: Public holidays (free)
- GET /v1/ie/cpi — Ireland: Consumer price inflation (CPI, year-on-year)
- GET /v1/ie/corporate-tax — Ireland: Corporation tax — standard rate on trading income
- GET /v1/ie/income-tax — Ireland: Personal income tax (income tax rate bands)
- GET /v1/is/policy-rate — Iceland: Central Bank of Iceland key interest rate — rate on seven-day term deposits (meginvextir Seðlabankans, vextir á sjö daga bundnum innlánum)
- GET /v1/is/vat — Iceland: Virðisaukaskattur (VSK / VAT) standard rate — almennt skatthlutfall
- GET /v1/is/minimum-wage — Iceland: General statutory minimum wage (none — structural null)
- GET /v1/is/public-holidays — Iceland: Public holidays (frídagar og helgidagar) (free)
- GET /v1/is/cpi — Iceland: CPI inflation (vísitala neysluverðs, twelve-month change)
- GET /v1/is/corporate-tax — Iceland: Tekjuskattur lögaðila — corporate income tax rate (limited companies)
- GET /v1/is/income-tax — Iceland: Tekjuskattur og útsvar einstaklinga — individual income tax, three combined brackets (state tax + municipal tax)
- GET /v1/it/policy-rate — Italy: Policy interest rate
- GET /v1/it/vat — Italy: Value added tax (IVA) — standard rate
- GET /v1/it/minimum-wage — Italy: National minimum wage
- GET /v1/it/public-holidays — Italy: Public holidays (free)
- GET /v1/it/cpi — Italy: Consumer price inflation (NIC, year-on-year)
- GET /v1/it/corporate-tax — Italy: Corporate income tax (IRES)
- GET /v1/it/income-tax — Italy: Personal income tax (IRPEF)
- GET /v1/nl/policy-rate — Netherlands: Policy interest rate
- GET /v1/nl/vat — Netherlands: Value added tax (BTW / omzetbelasting)
- GET /v1/nl/minimum-wage — Netherlands: Statutory minimum wage (wettelijk minimumuurloon)
- GET /v1/nl/public-holidays — Netherlands: Public holidays (free)
- GET /v1/nl/cpi — Netherlands: Consumer price inflation (CPI)
- GET /v1/nl/corporate-tax — Netherlands: Corporate income tax (vennootschapsbelasting)
- GET /v1/nl/income-tax — Netherlands: Personal income tax (inkomstenbelasting, box 1)
- GET /v1/no/policy-rate — Norway: Norges Bank policy rate (styringsrenten)
- GET /v1/no/vat — Norway: MVA (merverdiavgift) standard rate
- GET /v1/no/minimum-wage — Norway: General statutory minimum wage (none — structural null)
- GET /v1/no/public-holidays — Norway: Public holidays (free)
- GET /v1/no/cpi — Norway: CPI inflation (year-on-year)
- GET /v1/no/corporate-tax — Norway: Corporate income tax rate
- GET /v1/no/income-tax — Norway: Personal income tax — trinnskatt bracket tax (plus flat ordinary-income tax)
- GET /v1/pl/policy-rate — Poland: Policy interest rate (stopa referencyjna NBP)
- GET /v1/pl/vat — Poland: Value added tax (podatek od towarow i uslug, VAT) — standard rate
- GET /v1/pl/minimum-wage — Poland: Statutory minimum wage (minimalne wynagrodzenie za prace)
- GET /v1/pl/public-holidays — Poland: Public holidays (free)
- GET /v1/pl/cpi — Poland: Consumer price inflation (wskaznik cen towarow i uslug konsumpcyjnych)
- GET /v1/pl/corporate-tax — Poland: Corporate income tax (podatek dochodowy od osob prawnych, CIT)
- GET /v1/pl/income-tax — Poland: Personal income tax (podatek dochodowy od osob fizycznych, PIT) — skala podatkowa
- GET /v1/pt/policy-rate — Portugal: Policy Rate (ECB Deposit Facility Rate)
- GET /v1/pt/vat — Portugal: Value Added Tax (Imposto sobre o Valor Acrescentado - IVA)
- GET /v1/pt/minimum-wage — Portugal: Guaranteed Minimum Monthly Wage (Retribuicao Minima Mensal Garantida - RMMG)
- GET /v1/pt/public-holidays — Portugal: Public Holidays (Feriados obrigatorios) (free)
- GET /v1/pt/cpi — Portugal: Consumer Price Inflation (Indice de Precos no Consumidor, year-on-year)
- GET /v1/pt/corporate-tax — Portugal: Corporate Income Tax (Imposto sobre o Rendimento das Pessoas Coletivas - IRC)
- GET /v1/pt/income-tax — Portugal: Personal Income Tax (Imposto sobre o Rendimento das Pessoas Singulares - IRS)
- GET /v1/ro/policy-rate — Romania: BNR monetary policy rate (rata dobânzii de politică monetară)
- GET /v1/ro/vat — Romania: TVA standard rate (cota standard de taxă pe valoarea adăugată)
- GET /v1/ro/minimum-wage — Romania: National gross minimum wage (salariul de bază minim brut pe ţară garantat în plată)
- GET /v1/ro/public-holidays — Romania: Public holidays (zile de sărbătoare legală în care nu se lucrează) (free)
- GET /v1/ro/cpi — Romania: CPI inflation (year-on-year)
- GET /v1/ro/corporate-tax — Romania: Corporate income tax rate (impozit pe profit)
- GET /v1/ro/income-tax — Romania: Personal income tax rate (impozit pe venit — cotă unică)
- GET /v1/rs/policy-rate — Serbia: NBS key policy rate (referentna kamatna stopa)
- GET /v1/rs/vat — Serbia: PDV standard rate (opšta stopa poreza na dodatu vrednost)
- GET /v1/rs/minimum-wage — Serbia: Minimalna cena rada (statutory minimum labour price, net per working hour)
- GET /v1/rs/public-holidays — Serbia: Public holidays (državni i verski praznici) (free)
- GET /v1/rs/cpi — Serbia: CPI inflation (year-on-year)
- GET /v1/rs/corporate-tax — Serbia: Porez na dobit pravnih lica (corporate income tax) standard rate
- GET /v1/rs/income-tax — Serbia: Personal income tax on salary (porez na zarade) — flat rate and non-taxable allowance
- GET /v1/se/policy-rate — Sweden: Policy interest rate (styrräntan)
- GET /v1/se/vat — Sweden: Value added tax (mervärdesskatt, 'moms') — standard rate
- GET /v1/se/minimum-wage — Sweden: National minimum wage
- GET /v1/se/public-holidays — Sweden: Public holidays (free)
- GET /v1/se/cpi — Sweden: Consumer price inflation (KPI, year-on-year)
- GET /v1/se/corporate-tax — Sweden: Corporate income tax (statlig inkomstskatt för juridiska personer / bolagsskatt)
- GET /v1/se/income-tax — Sweden: Personal income tax (statlig inkomstskatt på förvärvsinkomster)
- GET /v1/tr/policy-rate — Türkiye: CBRT one-week repo auction rate (bir hafta vadeli repo ihale faiz oranı)
- GET /v1/tr/vat — Türkiye: KDV standard rate (genel katma değer vergisi oranı)
- GET /v1/tr/minimum-wage — Türkiye: Asgari ücret (national minimum wage, gross monthly)
- GET /v1/tr/public-holidays — Türkiye: Ulusal bayram ve genel tatil günleri 2026 (free)
- GET /v1/tr/cpi — Türkiye: TÜFE consumer price inflation (year-on-year)
- GET /v1/tr/corporate-tax — Türkiye: Kurumlar vergisi standard rate
- GET /v1/tr/income-tax — Türkiye: Gelir vergisi tarifesi (personal income tax brackets)
- GET /v1/ua/policy-rate — Ukraine: NBU key policy rate (облікова ставка Національного банку України)
- GET /v1/ua/vat — Ukraine: ПДВ standard rate (value added tax)
- GET /v1/ua/minimum-wage — Ukraine: Мінімальна заробітна плата (statutory minimum wage)
- GET /v1/ua/public-holidays — Ukraine: Public holidays (святкові і неробочі дні) (free)
- GET /v1/ua/cpi — Ukraine: CPI inflation (індекс споживчих цін, year-on-year)
- GET /v1/ua/corporate-tax — Ukraine: Податок на прибуток підприємств — базова (основна) ставка
- GET /v1/ua/income-tax — Ukraine: ПДФО — податок на доходи фізичних осіб (flat personal income tax rate)

History: GET /v1/{country}/{series}/history?from=YYYY-MM-DD&to=YYYY-MM-DD — e.g. GET /v1/at/policy-rate/history?from=2026-01-01
Changes + freshness (FREE, unmetered): GET /v1/changes?since=YYYY-MM-DD — what changed, plus how many of our 176 series were re-verified against their official source in the last 1/7/30/90 days, and which one has gone longest without a check. `since` is optional (defaults to 30 days).

## Answers (computed verdicts, POST JSON)
- POST /v1/answers/wage-check {country, amount, period, schedule?} — at/above/below the statutory minimum? Pass "schedule" to be measured against a sectoral/zonal/grade floor instead of the general one (Kenya 55, South Africa 24); omit it and we say so, because "above the national floor" is not "compliant". Keys: GET /catalog ($0.05)
- POST /v1/answers/vat {country, amount, mode?, band?} — net/tax/gross breakdown incl. levy components. Pass "band" for a statutory reduced/zero/super-reduced rate; we publish what each band covers in the authority's own words but do not classify supplies into bands. Keys: GET /catalog ($0.02)
- POST /v1/answers/working-days {country, from, to} — working days, holidays hit, next working day ($0.02)
- POST /v1/answers/income-tax {country, taxable_income} — statutory income tax + per-bracket workings ($0.05)
- POST /v1/answers/settlement-date {trade_date, calendars[], business_days | market + instrument_class} — settlement/value date: T+n business days across one or more national statutory calendars intersected, with a per-day trail, each calendar's basis and source, and the market cycle cited to its primary instrument where we hold one ($0.05). Cited cycles and what we deliberately refuse to cite: GET /settlement-conventions (free)
- POST /v1/vat/determine {seller_country, buyer_country, buyer_type?} — cross-border VAT treatment of a digital-services sale: place of supply, who accounts, rate basis, registration trigger, with the applied rule cited to the statute. EU, UK, South Africa; unknown buyer → B2C-default, flagged; out-of-scope pairs refused FREE (422), never guessed, never charged ($0.10)