# WIBOR stakes today – May 11, 2026
WIBOR stakes on today's fixation is information that anyone who has a mortgage or thinks about taking it. WIBOR 3M current today is 3.85%, and it is this number that has a direct impact on your monthly loan payment. If you have a variable interest rate, the WIBOR change directly affects how much you pay to the bank each month. Read the article to find out exactly what the numbers you see today mean.
## Today's WIBOR rates
### WIBOR ON
Rate: 3.79% | Fixing date: 2026-05-11
It's the shortest rate used mainly by banks to settle between themselves.
### WIBOR 1M
Rate: 3.81% | Fixing date: 2026-05-11
WIBOR for one month is the rate that banks offer each other for loans per month.
### WIBOR 3M
Rate: 3.85% | Fixing date: 2026-05-11
It's the most important stake for ordinary people like us. WIBOR 3M current is used by most banks to calculate interest rates on variable rate mortgages. That's what depends on how much you pay each month. As WIBOR 3M grows, your mortgage payment also increases – and vice versa.
### WIBOR 6M
Rate: 3.89% | Fixing date: 2026-05-11
WIBOR's six-month rate is an option for slightly longer-term banking agreements.
Some credits are also based on this indicator.
### WIBOR 1Y
Rate: 3.92% | Fixing date: 2026-05-11
WIBOR per year is the rate for long-term banking contracts – less popular among borrowers but worth knowing.
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?
Your loan interest rate is always WIBOR 3M plus a bank margin – usually between 2 and 2.5 percent. In other words, the bank adds its share of earnings to today's WIBOR rate. As WIBOR grows, the whole percentage (and your installment) increases. When WIBOR falls – your payments fall too.
Below you can see how the estimated mortgage payments can look at today's WIBOR rates:
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | 1 260 PLN | 120 400 PLN |
| PLN 300 000 | PLN 1 890 | 180 800 zł |
| PLN 400,000 | PLN 2,520 | 240 600 PLN |
| PLN 500,000 | PLN 3 150 | 300 900 zł |
| PLN 700,000 | PLN 4 410 | PLN 421 200 |
These estimates – actual instalments depend on your bank's margin and repayment schedule.
## WIBOR and car and company leasing
WIBOR is not just for mortgages. The leasing companies also use WIBOR to calculate how much you will pay to rent a car or business equipment. As WIBOR rates increase, leasing payments also increase. That is why it is worth to follow WIBOR today – not only the house but also the car.
The following are examples of leasing instalments at present rates:
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | 1 150 PLN |
| PLN 100,000 | 48 months | 2 300 PLN |
| PLN 150 000 | 60 months | 2 800 PLN |
| PLN 300 000 | 60 months | PLN 5 500 |
Estimates – actual instalments determined individually by the leasing firm.
## What is WIBOR? Short explanation
WIBOR is the Polish name for the interbank interest rate – in other words, the rate at which banks lend each other money. The bank that lent you the house had to take that money somewhere – most often from another bank, for WIBOR. That is why the bank adds its margin to WIBOR and offers you a mortgage. WIBOR changes every day because banks set a new price for such loans among themselves.
# Follow today's WIBOR rates on digitalnexus.pl
You want to know what WIBOR rates will be tomorrow? We invite you to our website – we publish the current data daily so that you do not have to wonder how much your payment will cost. Knowing about WIBOR is the first step in understanding how much you really pay for your credit.
