Rates WIBOR Today – 13 May 2026
Today's rates WIBOR were published by GPW Benchmark, and if you have credit-hypothetical/" title="Holiday Credit">mortgage Credit Or you're considering taking it, these numbers concern you. WIBOR 3M currently stands at 3.85 percent – it is a rate that affects the amount of your credit instalment. For a person with a mortgage, this means that you just know one of the key parts of your interest rate. If you want to know how it translates into money In your pocket, keep reading.
Today's WIBOR rates
WIBOR ON
Rate: 3.77% | Fixing date: 2026-05-13
This is the rate for transactions per day – the shortest possible.
WIBOR 1M
Rate: 3.76% | Fixing date: 2026-05-13
Thirty-day reference rate used for short-term contracts.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-05-13
This is the most important rate for people with a mortgage – banks most often refer to WIBOR 3M current period. If you have credit variable interest, this is the number that has the greatest impact on you. Every three months, the bank converts your payment on the basis of this rate plus the margin you've set when you take a loan.
WIBOR 6M
Rate: 3.90% | Fixing date: 2026-05-13
Half-year reference rate – used in long-term contracts and some mortgage loans.
WIBOR 1Y
Rate: 3.94% | Fixing date: 2026-05-13
Annual reference rate – the longest period among standard WIBORs.
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 interest rate is actually WIBOR 3M plus a bank margin that you get rounded to two percent when you sign a contract. So if WIBOR is 3.85 percent and your bank's margin is 2.15 percent, Your total interest rate is about 6 percent. That's the number that determines how much you pay every month.
Below you will see how the mortgage payment changes at today's WIBOR 3M rates, for different loan amounts:
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | 1 270 PLN | 152 800 zł |
| PLN 300 000 | PLN 1,905 | 229 800 zł |
| PLN 400,000 | 2 540 PLN | 305 600 zł |
| PLN 500,000 | PLN 3 175 | PLN 381 800 |
| PLN 700,000 | PLN 4 445 | PLN 534 200 |
These estimates – actual instalments depend on your bank's margin and repayment schedule.
WIBOR and car and company leasing
WIBOR not only affects mortgages. The leasing companies are also based on these rates when they set installments for cars or business machines. When WIBOR rates go up, leasing payments also cost – and when they fall, they can be cheaper. This works exactly as in the case of loans: WIBOR plus leasing company margin is the ultimate cost.
The following are examples of leasing payments at today's 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 | 2 850 PLN |
| PLN 300 000 | 60 months | PLN 5 700 |
Estimates – actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply the average interest rate that large Polish banks offer each other for loans. Each day the bank provides its offer, and out of all these offers the average is calculated – it is WIBOR. Banks use this rate as a starting point to determine the interest rate for their customers, that is, for all of us. If WIBOR grows, loan instalments grow. If it falls, the payments are cheap. It's that simple.
WIBOR rates exist in several variants – for one day, month, three months, six months and a year. Each of them has different applications, but for the ordinary borrower the most important is WIBOR 3M, because it is the most the banks look at.
Follow WIBOR rates every day at digitalnexus.pl
If you have mortgage or you're thinking about pulling it, it's worth knowing where to look for the latest WIBOR rates today. On digitalnexus.pl we publish daily the latest data, so you will always know what the current situation is. Remember – knowing these numbers is knowing your budget. You come to us regularly, and you'll always be up to speed.
