Dziś, 20 kwietnia 2026 roku, opublikowane zostały nowe stawkiWIBOR– sprawdź, co się zmieniło i co to oznacza dla Twojego portfela. WIBOR 3M aktualne notowanie to 3,84% – tyle właśnie wynosi dziś ta najważniejsza dla kredytobiorców stawka. Jeśli maszcredit-hypothetical/" title="Holiday Credit">mortgage Creditz oprocentowaniem zmiennym, ta liczba ma bezpośredni wpływ na wysokość Twojej raty. Czytaj dalej – wszystko wyjaśniamy najprościej jak się da.
RatesWIBORdziś – 20 kwietnia 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.71% | Fixing date: 2026-04-20
To stawka na dosłownie jeden dzień – banki pożyczają sobiemoneyna jedną noc po tym procencie.
WIBOR 1M
Rate: 3.74% | Fixing date: 2026-04-20
Stawka jednomiesięczna – banki pożyczają sobiemoneyna miesiąc właśnie po takim kursie.
WIBOR 3M
Rate: 3.84% | Fixing date: 2026-04-20
This is the most important rate for most Poles with a mortgage. It is to WIBOR 3M that the interest rate of a huge part of housing loans in Poland is connected. If your bank updates your payment every three months, this figure – 3.84% – is the starting point for calculating how much you will pay. Today WIBOR 3M current listing is 3.84%.
WIBOR 6M
Rate: 3.89% | Fixing date: 2026-04-20
Six-month rate – part of the banks base interest on loans, updating them every six months. Smaller than WIBOR 3M, but still in a similar range.
WIBOR 1Y
Rate: 3.93% | Fixing date: 2026-04-20
Annual rate – the longest term published today, used less frequently but also present in some banking products.
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 simply two things added to each other: WIBOR 3M and the bank margin, which usually amounts to 2 to 2.5%. With today's WIBOR 3M of 3.84%, the total loan interest rate is about 5.84% to 6.34%, depending on the agreement with the bank.
Below you will find indicative calculation of instalments for different loan amounts. We accepted a 6.09% interest rate (WIBOR 3M 3.84% + margin 2.25%) and a repayment period of 25 years.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | 1 302 PLN | PLN 190 600 |
| PLN 300 000 | PLN 1,953 | PLN 285 900 |
| PLN 400,000 | 2 604 PLN | 381 200 PLN |
| PLN 500,000 | PLN 3 255 | PLN 476 500 |
| PLN 700,000 | 4 557 PLN | PLN 667 100 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
You think WIBOR only applies to housing loans? Nothing more wrong. The leasing companies also use the money market and WIBOR rates influence how much you pay every month for a car or a machine leased. As WIBOR grows, leasing payments can also be higher – and vice versa.
The following indicative leasing instalments under WIBOR 3M funding plus a leasing margin of about 2.5%, own payment of 10%, final value of 1%.
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 065 |
| PLN 100,000 | 48 months | 2 130 PLN |
| PLN 150 000 | 60 months | PLN 2,695 |
| PLN 300 000 | 60 months | PLN 5 390 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR to po prostu cena, po której polskie banki pożyczają sobie nawzajem pieniądze. Kiedy bank potrzebuje gotówki, pożycza ją od innego banku właśnie po tej stawce – i to przekłada się później na oprocentowanie kredytów dla zwykłych ludzi. Im wyższy WIBOR, tym droższycredit– im niższy, tym niższe raty.
Come to digitalnexus.pl every day – here you will always find current WIBOR rates, fresh after each fix. See you tomorrow – we keep our hands on finance so you don't have to!
