Today's fixing rates WIBOR Already behind us – check out what the WSE Benchmark published on 16 April 2026. The current WIBOR 3M today is 3.84%. If you have credit-hypothetical/" title="Holiday Credit">mortgage Credit with variable interest rate, this number directly affects the amount of your instalment. Keep reading, because in a few minutes you will learn everything that is important.
Rates WIBOR Today – 16 April 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.78% | Fixing date: 2026-04-16
This is the "for one day" rate – banks lend on it money Just until tomorrow.
WIBOR 1M
Rate: 3.77% | Fixing date: 2026-04-16
This is the monthly rate – banks lend to each other money for a month at that price.
WIBOR 3M
Rate: 3.84% | Fixing date: 2026-04-16
This is WIBOR 3M current, which most often appears in mortgage agreements. Most Poles paying back credit with variable rate has a payment calculated on the basis of this rate. The bank checks the WIBOR 3M every three months and calculates your payment accordingly.
WIBOR 6M
Rate: 3.88% | Fixing date: 2026-04-16
Some mortgages are based on WIBOR 6M – then the bank converts the instalment every six months rather than every quarter.
WIBOR 1Y
Rate: 3.91% | Fixing date: 2026-04-16
This is an annual rate – the least used in credit agreements, but also worth knowing.
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 interest rate is not WIBOR itself – it is WIBOR 3M plus a bank margin, which is usually between 2 and 2.5%. With today's WIBOR 3M of 3.84%, the total interest rate of your credit may range from about 5.84% to 6.34%, depending on the contract you signed with the bank. Below you will find estimates of instalments for several popular loan amounts – an example margin of 2.16% was adopted, which gives a total interest rate of 6.00%, repayment period of 25 years and instalments equal.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 289 | 186 700 zł |
| PLN 300 000 | PLN 1,933 | PLN 280 000 |
| PLN 400,000 | PLN 2 577 | PLN 373 100 |
| PLN 500,000 | PLN 3 221 | PLN 466 300 |
| PLN 700,000 | PLN 4 510 | 652 900 zł |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
Not only mortgage depends on the WIBOR rate. The leasing companies are also looking at WIBOR today because it depends on how much they pay for the money they borrow to buy you a car or a machine. When WIBOR grows, leasing payments can also go up – and vice versa. Below you will see estimated leasing instalments with an interest rate of about 6.5% and a 10% own deposit.
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 010 |
| PLN 100,000 | 48 months | 2 020 PLN |
| PLN 150 000 | 60 months | PLN 2,610 |
| PLN 300 000 | 60 months | 5 220 zł |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is just a price at which Polish banks lend each other money. The higher WIBOR, the more expensive this "borrowed" money costs – and the higher the instalments are paid by people with variable interest rates. It can be said that WIBOR is a thermometer that shows how much money costs on the Polish banking market.
Look at digitalnexus.pl every day – here you will find current WIBOR rates every working day, always after official fixation of the GPW Benchmark. Keep up with your credit!
