Rates WIBOR Today – 12 May 2026
Today, on May 12, 2026, we met new rates WIBOR, which influence interest rates on loans, leasings and other financial products in Poland. WIBOR 3M current is 3.85 percent – it is the rate that most interests people with variable mortgage payments. In practice, this means that your installment may slightly change depending on the margin your bank added to it. We invite you to read an article in which we will explain what this means for your wallet.
Today's WIBOR rates
WIBOR ON
Rate: 3.76% | Fixing date: 2026-05-12
This is the shortest rate – it concerns transactions for one day.
WIBOR 1M
Rate: 3.79% | Fixing date: 2026-05-12
One month – used for more long-term contracts.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-05-12
This is WIBOR 3M current – the most used rate for mortgages. Most banks associate a variable mortgage payment with this rate. This means that every few months your installment may change because this basic WIBOR rate changes.
WIBOR 6M
Rate: 3.90% | Fixing date: 2026-05-12
Six months – for those who prefer longer reference periods.
WIBOR 1Y
Rate: 3.94% | Fixing date: 2026-05-12
One year – the longest of regularly quoted WIBOR rates.
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?
The interest rate on your mortgage is actually WIBOR 3M current plus a margin that add bank – usually 2 to 2.5 percent. In other words, the bank takes a 3.85 percent rate today and adds its earnings to it. The whole thing together will be your actual interest rate.
Below is an approximate example of how high the instalments can be on individual amounts (with a 25-year repayment and a 2.25 percent margin):
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 045 | 114 500 zł |
| PLN 300 000 | PLN 1 567 | 171 750 zł |
| PLN 400,000 | 2 090 PLN | PLN 229 000 |
| PLN 500,000 | PLN 2,612 | 286 250 zł |
| PLN 700,000 | PLN 3,657 | 400 750 zł |
These estimates – actual instalments depend on your bank's margin and repayment schedule.
WIBOR and car and company leasing
WIBOR affects not only mortgage loans, but also leasing cars and equipment for companies. The leasing companies must also borrow moneyand when they borrow, as do banks using WIBOR rates. Therefore, when WIBOR grows, leasing payments can also rise. If you're thinking about taking the car into leasing, it's worth knowing that today's stakes affect your future payment.
The following are examples of leasing payments for different values of items (under standard market conditions):
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 125 |
| PLN 100,000 | 48 months | 2 250 PLN |
| PLN 150 000 | 60 months | 2 800 PLN |
| PLN 300 000 | 60 months | PLN 5 600 |
Estimates – actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply the average interest rate at which banks in Poland lend each other money. It's like a "basic price" for loans – when this price increases, they cost us ordinary people, and when it falls, loans are cheaper. The banks determine it daily, taking the average of their offers. On this rate, each bank adds its margin, and that is what you will pay in interest.
Summary
Today's WIBOR rates are already in the system and they are now affecting new credits and related agreements. If you have credit-hypothetical/" title="Holiday Credit">mortgage Credit with a variable rate, it is worth monitoring WIBOR today and every day, because a change of up to 0.1 percent can affect your payment. We invite you to digitalnexus.pl, where every day we update data about WIBOR rates – you will always know what the situation on the financial market is.
