Live data, BCT and INS
Dinar exchange rates (euro, dollar, pound sterling), the policy rate of the Central Bank of Tunisia, the money market rate, the savings rate, inflation and unemployment. Every value is displayed with its date and official source, and refreshed automatically. Below the dashboard, what each indicator actually changes in your accounts and your decisions.
The rates published by the Central Bank are reference rates. Your bank applies its own buying and selling spread plus commissions, so the amount actually credited to your account will differ. In accounting terms, an invoice denominated in foreign currency is recorded at the rate of the transaction date, then the balance is revalued at the closing rate, with the difference recognised as an exchange gain or loss. Using the wrong reference date is one of the most frequent errors we correct in the accounts of importers and exporters. The reference chosen must remain consistent and documented from one period to the next.
The policy rate sets the cost of refinancing for banks and therefore, indirectly, the cost of your credit: when it moves, variable-rate loans and overdraft facilities follow within weeks. The TMM, the money market rate, is the reference index of most variable-rate loans in Tunisia: contracts are typically written as TMM plus a margin. Reading it each month tells you what your next instalment will look like, and whether a fixed-rate renegotiation is worth opening. If you are negotiating a financing, the direction of both rates is an argument in the discussion.
Inflation feeds wage negotiations, the indexation clauses of your commercial contracts and the realism of your budget: a budget built on nominal figures without an inflation assumption is a budget that will be missed. The savings rate serves as a benchmark for the minimum that idle treasury should earn. The unemployment rate, finally, should be read as context rather than as a hiring forecast: it says nothing about the availability of the specific skills you are looking for, which remains tight on engineering and finance profiles.
These are official reference values, not the rate your bank will apply to a given transaction. The periods differ: exchange rates are daily, inflation is monthly, unemployment is quarterly; never present two indicators of different dates as a single snapshot. And for an accounting or tax treatment, the applicable rate is the one required by the standard or the regulation, not necessarily the most recent one.
See also: corporate taxation in Tunisia · employer costs · Tunisia setup roadmap · request a proposal.