Official WIBOR rates were published today on April 1, 2026 – see what has changed on the market. WIBOR 3M current figures today indicate a rate of 3.85%. If you have a variable interest rate mortgage, this figure directly affects the amount of your instalment. Read this article and in a few minutes you will learn everything you need to know about WIBOR today.
WIBOR stakes today – April 1, 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.71% | Fixing date: 2026-04-01
This is the overnight rate – a bank loan for literally one night.
WIBOR 1M
Rate: 3.81% | Fixing date: 2026-04-01
One-month rate – banks borrow money for a month after this cost.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-04-01
It's the stake that interests most people with a mortgage. Most loans in Poland are based on WIBOR 3M current quotes – the bank checks this value every three months and calculates your payment on the basis of it. Today, it amounts to 3.85%, which means that the interest rate on your loan is that rate plus the bank margin.
WIBOR 6M
Rate: 3.87% | Fixing date: 2026-04-01
Some loans are based on WIBOR 6M – then the bank updates the instalment every six months instead of every three months.
WIBOR 1Y
Rate: 3.88% | Fixing date: 2026-04-01
Annual rate – applied less frequently, but also found in some credit agreements.
WIBOR rates are published by WPW Benchmark S.A. Fixing takes place at 11:00 on working days, publication at 11:00.
How does today's WIBOR 3M affect the mortgage payment?
If you have a variable rate mortgage, your instalment consists of two parts: WIBOR 3M plus bank margin. The margin is a fixed part fixed in the contract and usually amounts to 2 to 2.5% – this includes WIBOR, which changes every quarter.
The following table shows what the estimated instalments at today's WIBOR 3M rate of 3.85% and an example bank margin of 2.25% (total of 6.10%) for a loan of 25 years are:
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | 1 302 PLN | PLN 190 600 |
| PLN 300 000 | PLN 1,953 | PLN 285 900 |
| PLN 400,000 | 2 604 PLN | 381 200 PLN |
| PLN 500,000 | PLN 3 255 | PLN 476 500 |
| PLN 700,000 | 4 557 PLN | PLN 667 100 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
Not only does mortgage depend on WIBOR rates – leasing companies also look at those numbers when they set your instalments. If you take a lease on a car or machine to the company, changing WIBOR can make your payment slightly higher or lower than a few months ago. This may not be as palpable as the mortgage credit, but with more expensive items the difference in the pocket is already visible.
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | 1 180 PLN |
| PLN 100,000 | 48 months | 2 360 PLN |
| PLN 150 000 | 60 months | 2 950 PLN |
| PLN 300 000 | 60 months | PLN 5,900 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply an interest rate after which banks in Poland lend each other money. When this number increases, they cost credit – because banks pay more for the money they then lend to customers. The lower the WIBOR, the cheaper the mortgage for the ordinary Kowalski.
It is worth looking at digitalnexus.pl every working day – here you will always find the current WIBOR rates right after fixing. Thanks for reading and see you tomorrow!
