Today, on April 20, 2026, new WIBOR rates were published – check what has changed and what this means for your wallet. WIBOR 3M current listing is 3.84% – that is the most important rate for borrowers today. If you have a variable interest rate mortgage, this figure has a direct impact on your interest rate. Continue reading – we explain everything as simply as possible.
WIBOR stakes today – April 20, 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.71% | Fixing date: 2026-04-20
This is the stake for literally one day – banks borrow money for one night after this percentage.
WIBOR 1M
Rate: 3.74% | Fixing date: 2026-04-20
One-month rate – banks borrow money for a month just after such a course.
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 is just a price at which Polish banks lend each other money. When the bank needs cash, it borrows it from another bank just at this rate – and this later translates into interest on loans to ordinary people. The higher the WIBOR, the more expensive the loan – the lower the lower the instalments.
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!
