Rates WIBOR on 15 May 2026 have already been published and WIBOR 3M current is 3.86 percent. This is the rate that banks use to calculate interest on mortgages and leases. If you have credit-hypothetical/" title="Holiday Credit">mortgage Credit with a variable foot, it's worth knowing what the stakes are today. Read how it all affects your actual payment.
Rates WIBOR Today – May 15, 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.78% | Fixing date: 2026-05-15
This is the shortest rate – only one day applies.
WIBOR 1M
Rate: 3.80 % | Fixing date: 2026-05-15
One month is the shortest term for long-term loans.
WIBOR 3M
Rate: 3.86% | Fixing date: 2026-05-15
This is the most common mortgage rate with variable interest rates. Most Poles who have credit residential, has just connected to WIBOR 3M current. This means that every three months the bank converts interest on the basis of this rate.
WIBOR 6M
Rate: 3.90% | Fixing date: 2026-05-15
A six-month rate chosen by companies and institutions that incur larger loans.
WIBOR 1Y
Rate: 3.93% | Fixing date: 2026-05-15
Annual rate for long-term financial agreements.
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 mortgage payment is not just made up of WIBOR itself. The bank also adds a margin, which is an additional percentage – usually between 2 and 2.5 percent. This means that if WIBOR is 3.86 percent and your bank's margin is 2.3 percent, the total interest rate will be around 6.16 percent.
Below are the calculations showing what instalments can wait for you for 25 years mortgage With today's WIBOR 3M:
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1,311 | 193 300 zł |
| PLN 300 000 | PLN 1,967 | 290 100 zł |
| PLN 400,000 | PLN 2,623 | 386 900 zł |
| PLN 500,000 | PLN 3,278 | PLN 483 400 |
| PLN 700,000 | PLN 4 589 | PLN 677 700 |
These estimates – actual instalments depend on your bank's margin and repayment schedule.
WIBOR and car and company leasing
Not only the mortgage depends on WIBOR rates. The leasing companies also base their calculations on these rates. If you want to rent a car or company equipment, the amount of your monthly installment will also depend on what WIBOR is today. The higher WIBOR rates, the more expensive the leasing.
The following are examples of leasing instalments, including today's rates:
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 158 |
| PLN 100,000 | 48 months | PLN 2,316 |
| PLN 150 000 | 60 months | PLN 2,687 |
| PLN 300 000 | 60 months | PLN 5 374 |
Estimates – actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR stands for "Warsaw Interbank Offered Rate", in other words, the interest rates that banks offer each other for loans. This is not an invention, but a specific number determined daily on the basis of actual bank offers. Poland The Stock Exchange (GPW Benchmark) counts this average and publishes it for the whole of Poland. Commercial banks then use this rate as a starting point to calculate interest for their customers – i.e. for us, ordinary Poles who are borrowing mortgages or leasings.
In practice WIBOR is just a number that shows how expensive it costs to borrow money on the Polish financial market. The higher WIBOR, the more expensive loans and leases for ordinary citizens.
Wait for the next fixings on digitalnexus.pl
WIBOR rates change every day on working days, so it is worth following the digitalnexus.pl portal to be kept up to date. Our daily reports show exactly what WIBOR rates are today and what this means for your wallet. If you have a variable rate credit, this information can help you plan your home budget.
