Today, April 2, 2026, official WIBOR rates were published – and we have for you all the most important numbers in one place. WIBOR 3M current listing today is 3.85%. If you have a variable interest rate mortgage, this figure has a direct impact on your monthly rate. Stay with us – below we explain everything in English, without unnecessary intricacies.
WIBOR stakes today – April 2, 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.69% | Fixing date: 2026-04-02
This is the stake for literally one day – banks borrow money for the night after this cost.
WIBOR 1M
Rate: 3.82% | Fixing date: 2026-04-02
Monthly rate – banks borrow money 30 days after this percentage.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-04-02
It is this rate that is the most important for the majority of Poles paying the mortgage. Banks every three months update the interest rate of your credit just on the basis of WIBOR 3M current quotes. In other words – if this number increases, your installment may increase, and if it falls, the installment may decrease.
WIBOR 6M
Rate: 3.88% | Fixing date: 2026-04-02
Some banks base their mortgages on this rate – an update of interest rates occurs every six months.
WIBOR 1Y
Rate: 3.90% | Fixing date: 2026-04-02
Annual rate – relatively rare in loans for regular customers, 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?
The interest rate on your mortgage is WIBOR 3M plus a bank margin – this margin is usually between 2 and 2.5%. Thus, with today's WIBOR 3M of 3.85% the total interest rate on credit can range from approximately 5.85% to 6.35%, depending on your agreement with the bank.
Below you will find indicative calculation of instalments for different loan amounts, assuming a 25-year repayment period and a combined interest rate of 6.10% (WIBOR 3M 3.85% + margin of 2.25%):
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 303 | PLN 190 900 |
| PLN 300 000 | PLN 1,955 | 286 500 PLN |
| PLN 400,000 | PLN 2,606 | PLN 381 800 |
| PLN 500,000 | PLN 3 258 | 477 400 PLN |
| PLN 700,000 | PLN 4 561 | PLN 668 300 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
Few people know this, but WIBOR rates affect not only housing loans – they also affect leasing instalments. The leasing companies finance purchases of cars and machines, lending money on the market, and the cost of this money depends precisely on WIBOR. As WIBOR grows today, leasing payments may be slightly higher – and vice versa.
The following indicative leasing instalment rates at current rates, assuming an initial payment of 10% and a final value of 1%:
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 080 |
| PLN 100,000 | 48 months | 2 160 PLN |
| PLN 150 000 | 60 months | PLN 2,810 |
| PLN 300 000 | 60 months | PLN 5 620 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply the price at which banks lend each other money in Poland. If you have a variable-rate mortgage, your bank charges that rate to its margin and the percentage you pay every month comes out of it. The higher WIBOR, the more expensive the loan – and vice versa.
Every day look at digitalnexus.pl to always have current WIBOR rates available – we publish them every working day immediately after fixing. Hold your hand and don't be surprised by another installment change!
