Rates WIBOR Today – May 18, 2026
Today, May 18, 2026, new rates were published WIBORwhich are crucial for all Poles with variable interest rates on loans and leases. WIBOR 3M currently stands at 3.85 percent and it is this rate that affects how much you pay a monthly instalment for your credit-hypothetical/" title="Holiday Credit">mortgage Credit. For anyone with a housing loan, these numbers have a real impact on the wallet. If you want to know how it all works and what it means for you, read the entire article.
Today's WIBOR rates
WIBOR ON
Rate: 3.78 percent | Fixing date: 2026-05-18
This is the shortest rate banks use every day.
WIBOR 1M
Rate: 3.78 percent | Fixing date: 2026-05-18
The one-month rate remains stable and equals the overnight rate.
WIBOR 3M
Rate: 3.85 per cent | Fixing date: 2026-05-18
This is the most important rate for all borrowers. WIBOR 3M current is 3.85 percent and on this basis the bank calculates your interest rate. That's the rate you watch when you think about changing your mortgage interest rate.
WIBOR 6M
Rate: 3.97 percent | Fixing date: 2026-05-18
The six-month rate is slightly higher than three-month rate, which is typical of the market.
WIBOR 1Y
Rate: 4,06 percent | Fixing date: 2026-05-18
The annual rate is highest from the whole group and applied to longer contracts.
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 annual mortgage interest rate is basically WIBOR 3M plus something called a bank margin. The margin is making a bank – usually it is between 2 and 2.5 percent. If today WIBOR 3M is 3.85 percent and your bank's margin is 2.2 percent, then your interest rate is 6.55 percent per year.
Take a look at the table below to see what the installment looks like at different loan amounts. These calculations establish an average repayment period of 30 years and a margin of 2.2 percent:
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | 1 215 PLN | 237 400 zł |
| PLN 300 000 | PLN 1 822 | PLN 356 100 |
| PLN 400,000 | 2 430 PLN | PLN 474 800 |
| PLN 500,000 | PLN 3 037 | PLN 593 300 |
| PLN 700,000 | PLN 4 252 | PLN 830 400 |
These estimates – actual instalments depend on your bank's margin and repayment schedule.
WIBOR and car and company leasing
Leasing is the way you don't buy a car or equipment right away, you just rent it for a few years. The leasing companies that make these items available to you also use WIBOR to calculate their payment to you. When WIBOR rates go up, leasing payments can rise. When WIBOR 3M currently amounts to 3.85 percent, it affects the price you pay for renting a car or other equipment.
| 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 | 2 890 zł |
| PLN 300 000 | 60 months | PLN 5,780 |
Estimates – actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR stands for "Warsaw Interbank Offered Rate", i.e. the Warsaw interest rate on the interbank market. It's just the average rate big banks borrow money To each other. This rate can change every day and banks use it as a base to calculate how much you will pay for your credit. It's like the weather temperature – if WIBOR goes up, your loan rate can go up, and if WIBOR falls, the instalment can go down.
Summary
Today's WIBOR rates are information worth knowing if you have mortgage with variable interest rates. WIBOR 3M current is 3.85 percent and it is she who is most important to you. Follow new fixings on digitalnexus.pl every day to keep up with what is happening on the financial market. Markets change, but we're here to explain things in a simple, understandable way.
