Today, on April 10, 2026, GPW Benchmark published official WIBOR rates for the Polish financial market. The current WIBOR 3M is 3.84%. If you have a variable interest rate mortgage, this figure directly affects the amount of your instalment. Continue reading – we explain everything in simple language, without any complicated concepts.
WIBOR stakes today – April 10, 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.72% | Fixing date: 2026-04-10
This is the shortest rate – it applies literally for one day and banks use it to settle overnight.
WIBOR 1M
Rate: 3.81% | Fixing date: 2026-04-10
This rate is valid for a month and is slightly higher than one day.
WIBOR 3M
Rate: 3.84% | Fixing date: 2026-04-10
It is this rate that the majority of Poles with variable mortgages are interested in – banks usually "apply" to it the interest rate on the loan. WIBOR 3M current today is 3.84% and every three months the bank can recalculate your payment. It is worth following her regularly to know what to expect.
WIBOR 6M
Rate: 3.88% | Fixing date: 2026-04-10
Some banks use this rate for mortgages – this is updated every six months, so changes are slightly less frequent.
WIBOR 1Y
Rate: 3.91% | Fixing date: 2026-04-10
The annual WIBOR rate is highest of the entire set and is used less often, mainly in selected financial products.
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 and bank margin, which is usually between 2 and 2.5%. At the current WIBOR 3M rate of 3.84%, the total interest rate on the loan is around 5.84-6.34%, depending on the terms of your agreement with the bank.
Below you will find an indicative calculation of the instalments for the various mortgage credit amounts with an interest rate of 6.10% (WIBOR 3M 3.84% + margin of 2.26%) and a repayment period of 25 years:
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | 1 301 PLN | PLN 190 300 |
| PLN 300 000 | 1 952 PLN | PLN 285 600 |
| PLN 400,000 | PLN 2,602 | 380 600 zł |
| PLN 500,000 | 3 253 zł | PLN 475 900 |
| PLN 700,000 | PLN 4 554 | PLN 666 200 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
Not only do housing owners feel changes in WIBOR rates – leasing companies also base their bids on, among other things, these rates. This means that as WIBOR grows or falls today, it can translate into an installment for car leasing or company machinery. The following are indicative leasing instalments at today's WIBOR 3M rate and typical leasing margin, without own payment:
| 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 the rate at which banks in Poland lend each other money. The higher WIBOR, the more expensive the money on the market – and this translates into higher instalments of loans with variable interest rates. Simply put: WIBOR is a thermometer that shows how much it costs to borrow money in Poland today.
Look at digitalnexus.pl every day so you can always have current WIBOR rates and know what's going on with your credit. See you tomorrow – we keep an eye on you!
