Today's WIBOR rates were published by GPW Benchmark, and the most frequently observed WIBOR 3M rate current was exactly 3.85%. For people with variable mortgage rates, this is the key information, because this is the rate banks take as their starting point in determining interest. In short, if you have a housing loan with a monthly balance, WIBOR today is the number that will directly affect how much you will pay in the following months. Continue reading, because we will explain exactly what is behind it and how it works in practice.
WIBOR stakes today – 19 May 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.74% | Fixing date: 2026-05-19
This is the shortest rate – it only applies for one day and, above all, the banks use it for settlement.
WIBOR 1M
Rate: 3.77% | Fixing date: 2026-05-19
This rate corresponds to interest rates per month – slightly higher than the one-day rate, as it covers a longer horizon.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-05-19
This is the most commonly used rate for variable rate mortgages. Most banks change their instalments every three months on the basis of WIBOR 3M current. If you have a housing loan and wonder what your future payments will be, this number will tell you a lot. Remember that the bank will add its margin to this rate, usually between 2 and 2.5%.
WIBOR 6M
Rate: 3.96% | Fixing date: 2026-05-19
Some credits are revalued every six months – the six-month rate is the most important. It is higher than 3M because it covers a longer period and a greater risk.
WIBOR 1Y
Rate: 4.04% | Fixing date: 2026-05-19
This is the longest standard rate – sometimes used for business loans or when the bank and the client agree to overestimate each year.
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 interest rate loan, your interest rate consists of two parts: WIBOR 3M rate current (today 3.85%) and bank margin (usually 2 to 2.5%). Together this gives the total interest rate that determines the amount of your monthly payment. Below we show estimates of instalments for several popular loan amounts, assuming a 25-year repayment period and a 2.25% margin.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 073 | PLN 121 900 |
| PLN 300 000 | PLN 1 609 | 182 700 zł |
| PLN 400,000 | 2 146 zł | PLN 243 600 |
| PLN 500,000 | PLN 2,682 | 304 500 zł |
| PLN 700,000 | PLN 3,755 | PLN 426 300 |
These estimates – actual instalments depend on your bank's margin and repayment schedule.
WIBOR and car and company leasing
WIBOR does not apply only to mortgage loans – also leasing companies refer to these rates. When you take a car on a lease, the payment you pay is not fixed, but changes with changes in WIBOR 3M rates current. This means that today's fixing can affect the amount of your future lease payments, especially if you have a variable interest rate agreement. For companies operating a fleet of vehicles, changing WIBOR rates is an important part of budget planning.
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 205 |
| PLN 100,000 | 48 months | PLN 2,410 |
| PLN 150 000 | 60 months | 2 865 PLN |
| PLN 300 000 | 60 months | PLN 5,730 |
Estimates – actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply the average percentage that banks charge to each other for loans of money. The word itself stands for "Warsaw Interbank Offered Rate" – such a Warsaw interbank rate. Every day at 11:00, the banks say how much they would like to pay to borrow money for 1 day, month, 3 months, six months or one year, and the average is calculated from these offers – it is WIBOR. Your bank uses this rate as a starting point to calculate how much interest will be charged to you for a mortgage or other product with variable interest rates.
If WIBOR rates increase, loan instalments increase. If they're decreasing, they're decreasing. Therefore, it is worth following what WIBOR rates are today – this translates directly into your wallet.
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