Today, May 14, 2026, we met new rates WIBOR – numbers that have a real impact on your spending. WIBOR rates as of today have been officially published by the WSE Benchmark and are respectively for individual periods. WIBOR 3M current is 3.85%, which is important information for anyone who has credit-hypothetical/" title="Holiday Credit">mortgage Credit with variable interest rates. If you have a housing credit linked to this indicator, it is this number that directly affects the amount of your monthly instalment. We invite you to read the full article in which we explain what all this means in practice!
Rates WIBOR Today – May 14, 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.77% | Fixing date: 2026-05-14
This is the rate per day – the fastest change, most often for professionals.
WIBOR 1M
Rate: 3.77% | Fixing date: 2026-05-14
Rate per month – also reacts very quickly to market changes.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-05-14
This is the most important rate for regular borrowers. Most mortgage loans with variable interest rates are linked to WIBOR 3M. If your credit rate changes every three months, this figure – 3.85% – is crucial to you.
WIBOR 6M
Rate: 3.90% | Fixing date: 2026-05-14
Rate for six months – less variable for some banking products and corporate loans.
WIBOR 1Y
Rate: 3.94% | Fixing date: 2026-05-14
Rate per year – the most stable of them all.
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?
Now we're explaining something really important. When you take credit-hypothetical/" title="Holiday Credit">mortgage Credit with variable interest rate, your interest rate consists of two parts: WIBOR 3M current (meaning 3.85% today) plus a bank margin, which usually amounts to 2 to 2.5 percent. This means that the actual interest rate of your credit is the sum of these two figures. As WIBOR grows or falls, your installment changes – that's why so many people observe this data every day.
Below you can see what the estimated instalments for popular mortgage credit amounts can look like under marginal terms (WIBOR 3M + 2,30% margin, 30 years period):
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 036 | PLN 173 000 |
| PLN 300 000 | PLN 1 554 | 259 500 zł |
| PLN 400,000 | PLN 2,072 | PLN 346,000 |
| PLN 500,000 | 2 590 PLN | PLN 432 500 |
| PLN 700,000 | PLN 3 626 | 605 500 zł |
These estimates – actual instalments depend on your bank's margin and repayment schedule.
WIBOR and car and company leasing
You think WIBOR only applies to mortgages? Nothing more wrong! The leasing companies that rent passenger or business cars also base their interest on WIBOR. When WIBOR rates go up, leasing payments also grow. That is why entrepreneurs and entrepreneurs are closely following today's numbers. If you are considering leasing, it is worth knowing that WIBOR 3M rates are present today at 3.85%, which translates into the final terms of the contract.
These are indicative leasing instalments for different value items:
| 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 | 2 650 PLN |
| PLN 300 000 | 60 months | PLN 5 300 |
Estimates – actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply the average rate at which banks lend each other money on the Polish market. Every day at the same time all banks report in what percentage they would like to borrow – and the average is calculated from these figures. This average is WIBOR. The banks use this indicator to determine the interest rate of their loans to us regular customers. The higher the WIBOR, the higher the interest rate on your loan with variable interest rates.
Summary – observe WIBOR rates every day
You already know that WIBOR rates have a real impact on your spending – whether you have a mortgage or are considering leasing. Today, May 14, 2026, WIBOR 3M is 3.85% and this number will apply to you for the next three months. We invite you to digitalnexus.pl, where we publish current WIBOR rates daily and explain their impact on your wallet. Stay with us – we will help you understand the world of finance without unnecessary confusion!
