Today's fixing confirmed WIBOR rates at a level that will directly affect the portfolios of millions of Poles paying loans. WIBOR 3M current data on April 15, 2026 show a rate of 3.84%. For a person with a mortgage this information is important as the daily weather forecast – because it is this number that largely depends on your monthly payment. Stay with us and see exactly what these numbers mean for you and your wallet.
WIBOR stakes today – April 15, 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.79% | Fixing date: 2026-04-15
This is a stake for literally one day – mainly banks use it with very short settlements among themselves.
WIBOR 1M
Rate: 3.79% | Fixing date: 2026-04-15
Monthly rate – also used mainly in bank accounts, less often in loans to ordinary customers.
WIBOR 3M
Rate: 3.84% | Fixing date: 2026-04-15
This is the most important rate for most Poles paying their mortgage. If your credit is based on WIBOR 3M, current rates are updated every three months – that is, your instalment may change once a quarter. It's worth remembering this number, because she's the one who decides how much you give to the bank every month.
WIBOR 6M
Rate: 3.88% | Fixing date: 2026-04-15
Half-year rate – some banks base mortgage interest on it, which means that the instalment changes once every six months.
WIBOR 1Y
Rate: 3.91% | Fixing date: 2026-04-15
Annual rate – the longest of presented, used less frequently, but shows the overall direction in which money costs are heading on the market.
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?
If you have a variable rate mortgage, then its cost consists of two parts: WIBOR 3M plus a bank margin. The margin is a fixed bank charge, which is usually between 2 and 2.5% – together with today's WIBOR 3M of 3.84%, this gives an aggregate interest rate of 5.84–6.34%.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | 1 284 PLN | 102 240 zł |
| PLN 300 000 | PLN 1,926 | 153 360 zł |
| PLN 400,000 | PLN 2 568 | 204 480 PLN |
| PLN 500,000 | PLN 3,210 | PLN 255 600 |
| PLN 700,000 | PLN 4,494 | 357 840 zł |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
WIBOR today not only concerns owners of housing – leasing companies also look at these rates when they set prices for their offers. If you take a car or equipment for leasing, the changes in WIBOR rates may translate into your monthly lease payment. This is especially important for entrepreneurs who plan to buy equipment or expand the fleet of vehicles.
| 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 | 2 950 PLN |
| PLN 300 000 | 60 months | PLN 5,900 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is just the price of money in Poland – it tells us how much banks lend each other cash. When this price increases, there are also instalments of loans, because banks need to "take" the cost of more expensive money somewhere. Simply put, the higher WIBOR, the more you pay every month for your mortgage.
Look at digitalnexus.pl every day – here you will always find current WIBOR rates, simple and without unnecessary confusion. Thank you for being with us – see you tomorrow!
