Today's WIBOR rates have just been published – fixing of April 17, 2026 is already available and you can check all current values in one place. WIBOR 3M current listing today is 3.87%. If you have a variable interest rate mortgage, this figure has a direct impact on your monthly rate. Stay with us – below you will find everything you need to know, given so simply that everyone will understand it.
WIBOR stakes today – 17 April 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.74% | Fixing date: 2026-04-17
This is a one-day rate – banks use it with very short loans between themselves.
WIBOR 1M
Rate: 3.76% | Fixing date: 2026-04-17
Monthly WIBOR rate – valid for about 30 days.
WIBOR 3M
Rate: 3.87% | Fixing date: 2026-04-17
It's the stake that interests most people with a mortgage. WIBOR 3M current listing is 3.87% and is the basis for calculating the percentage of most housing loans in Poland. The banks update the instalments on its basis every three months, so if you have a variable interest rate, you should remember this number.
WIBOR 6M
Rate: 3.89% | Fixing date: 2026-04-17
Six-month rate – part of the banks base the interest rate on loans, which is updated every six months.
WIBOR 1Y
Rate: 3.90% | Fixing date: 2026-04-17
Annual WIBOR rate – the longest of published terms, used less often, but 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?
If you have a variable-rate mortgage, your interest rate is in simplified WIBOR 3M plus a bank margin. The margin is the fixed part that was established when the contract was signed – usually between 2 and 2.5%. Below you will find indicative calculations for different amounts of credit, assuming a margin of 2.25% and a repayment period of 25 years.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | 1 134 PLN | PLN 140,200 |
| PLN 300 000 | PLN 1 701 | PLN 210 300 |
| PLN 400,000 | PLN 2 268 | 280 400 zł |
| PLN 500,000 | PLN 2,835 | PLN 350 500 |
| PLN 700,000 | PLN 3,969 | PLN 490 700 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
Not only borrowers feel changes in WIBOR rates – they also apply to companies and private persons who use leasing. The leasing companies borrow money on the financial market and take into account current WIBOR rates when establishing their offers, so when WIBOR grows or falls, leasing instalments can also change. Below are some indicative examples of instalments at today's rates.
| 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 | 2 820 PLN |
| PLN 300 000 | 60 months | PLN 5 640 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply an interest rate after which banks in Poland lend each other money. You can imagine it this way: when a bank needs cash, it borrows it from another bank and pays exactly what WIBOR says. This is important to you because if you have a mortgage loan with variable interest rates, your payment is directly linked to this number.
Look at digitalnexus.pl every day to keep up with current WIBOR rates – we publish them every working day immediately after 11:00 p.m. I'll see you tomorrow, and we wish you peace of mind!
