Today, April 13, 2026, new WIBOR rates were published – check what has changed and what it means for your wallet. AboutWIBOR 3M currentdata, today it is exactly 3.85%. If you have a variable rate mortgage, that rate directly affects how much you pay to the bank every month. Continue reading – in a few minutes you will learn everything you really need to know.
WIBOR stakes today – 13 April 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.73% | Fixing date: 2026-04-13
This is a one-day rate – banks borrow money for one night after this cost.
WIBOR 1M
Rate: 3.81% | Fixing date: 2026-04-13
Monthly rate – banks use it for short-term settlements.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-04-13
It is this rate that is most important for millions of Poles paying off their mortgage. Most banks in Poland base variable interest rates on residential loans on WIBOR 3M. If your credit is based on this rate, the bank updates your payment every three months – based on a fixation like today.
WIBOR 6M
Rate: 3.88% | Fixing date: 2026-04-13
Some banks offer mortgage loans based on WIBOR 6M – then the instalment changes less often, because every six months.
WIBOR 1Y
Rate: 3.90% | Fixing date: 2026-04-13
Annual rate – the lowest used in loans to ordinary customers.
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 WIBOR 3M plus a bank margin – this margin usually amounts to 2 to 2.5 percent and is constant throughout the duration of the contract. This means that today WIBOR 3M at 3.85% of the total loan rate may be around 5.85% to 6.35%, depending on the bank and the terms of your contract.
Below you will find indicative values of instalments and interest costs for different amounts of credit. The calculation took a repayment period of 25 years and a rate of 6.10% (WIBOR 3M 3.85% + margin of 2.25%).
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 303 | PLN 190 900 |
| PLN 300 000 | PLN 1,955 | 286 500 PLN |
| PLN 400,000 | PLN 2,606 | PLN 381 800 |
| PLN 500,000 | PLN 3 258 | 477 400 PLN |
| PLN 700,000 | PLN 4 561 | PLN 668 300 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
Not only housing owners have to track WIBOR rates. The leasing companies also base their financing costs on market rates, including WIBOR – that's why when WIBOR grows or falls, it can affect how much you pay monthly for a car or machine in a leasing. This is particularly important for small companies and entrepreneurs who lease vehicles or equipment.
Below you will find indicative leasing instalments with the assumption of own 10% deposit, the residual value 10% and the interest rate around 6.5% (including the leasing company margin).
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 020 |
| PLN 100,000 | 48 months | 2 040 zł |
| PLN 150 000 | 60 months | PLN 2,610 |
| PLN 300 000 | 60 months | 5 220 zł |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply the price at which banks in Poland lend each other money. The higher WIBOR, the more money costs in the banking market – and this translates into higher loan instalments for ordinary people. More simply, WIBOR is one of the main indicators that determines how much you pay to the bank every month if you have a variable rate loan.
Look at digitalnexus.pl every day – here you will find the current WIBOR rates every working day, immediately after their publication by WPW Benchmark. We keep an eye on you so you can take care of your home budget.
