Today, on 14 April 2026, the GPW Benchmark published official WIBOR rates, which set the direction for millions of Poles paying off loans. WIBOR 3M current quotations are 3.85% – this is the official rate today, on which many mortgages in Poland are based. If you have a variable interest rate loan, this is the indicator that makes your payment a different one. We invite you to read – we explain everything simply, without unnecessary complications.
WIBOR stakes today – 14 April 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.73% | Fixing date: 2026-04-14
This is the rate for literally one night – banks borrow money for such a short time.
WIBOR 1M
Rate: 3.79% | Fixing date: 2026-04-14
This rate applies to loans between banks for one month.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-04-14
That's the most important stake for a regular Kowalski with a mortgage. It is WIBOR 3M that the current quotes of banks most often use as the basis for calculating your installment – every three months they check this value and determine how much you pay. If you are wondering why your installment has moved slightly up or down – it is probably because this index has changed.
WIBOR 6M
Rate: 3.88% | Fixing date: 2026-04-14
Some mortgages are based on this rate – banks update interest rates every six months rather than every three months.
WIBOR 1Y
Rate: 3.90% | Fixing date: 2026-04-14
The longest of the published terms – the rate for the whole year, slightly higher than the others.
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 usually the sum of two things: the current WIBOR 3M and the bank's margin, which is usually between 2 and 2.5 percent. 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 conditions in your bank.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | 1 285 PLN | PLN 162 600 |
| PLN 300 000 | PLN 1,927 | PLN 243 900 |
| PLN 400,000 | PLN 2 570 | PLN 325,200 |
| PLN 500,000 | PLN 3 212 | 406 500 zł |
| PLN 700,000 | PLN 4,497 | PLN 569 100 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
Not only the mortgage depends on how WIBOR rates develop – leasing companies also base their calculations on the same indicators. Simply put, when WIBOR grows, lease payments can be higher, and when it falls – lower. If you run a company and finance a car or a machine through leasing, it is worth keeping an eye on what is happening with WIBOR today and in the following weeks.
| 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 | PLN 2,980 |
| PLN 300 000 | 60 months | 5 960 zł |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply an interest rate after which banks lend each other money – the higher WIBOR, the more expensive money on the market. If you have a variable interest rate mortgage, your bank occasionally checks the current WIBOR level and counts on this basis Your payment – that's why WIBOR rates are interested in so many Poles. In short, this is one of the most important financial indicators in Poland, even if you have not paid attention to it so far.
Look at digitalnexus.pl every day to keep up with current WIBOR rates – we publish them every working day, immediately after the official fixation. See you tomorrow and a quiet day without surprises in your wallet!
