Today, on May 20, 2026, we met new rates WIBOR published by the WSE Benchmark. WIBOR 3M current is 3.85%which directly affects the amount of instalments for millions of Poles who have credit-hypothetical/" title="Holiday Credit">mortgage Credit. If you have a mortgage linked to this rate, it's worth knowing how it changed. Please read the full summary of today's fixings.
WIBOR stakes today – 20 May 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.76% | Fixing date: 2026-05-20
WIBOR ON is the rate for the shortest period of one day.
WIBOR 1M
Rate: 3.80 % | Fixing date: 2026-05-20
If the bank draws money For a month, he pays that rate.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-05-20
This is the most important rate for the average Pole, because most mortgages depend on WIBOR 3M. Your loan payment is WIBOR 3M plus a bank margin (usually between 2 and 2.5 percent). This means that today you pay approximately 6.35% to 6.85% per year, depending on the margin offered by the bank.
WIBOR 6M
Rate: 3.96% | Fixing date: 2026-05-20
Some credits are linked to the six-month rate – this is 3.96%.
WIBOR 1Y
Rate: 4.04% | Fixing date: 2026-05-20
For longer periods, the rate increases – annual is 4.04%.
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?
Here it is simple: when the bank has established you credit-hypothetical/" title="Holiday Credit">mortgage Credit, the agreement says you'll be paying WIBOR 3M plus a bank margin. Today, it's 3.85% plus about 2 to 2.5 percent of the margin, which is about 5.85% to 6.35% per year. That's what your installment is. As WIBOR grows, your installment grows – and vice versa, when it rains.
The following are examples of instalments for various mortgage loan amounts for 25 years under WIBOR 3M of 3.85% plus a margin of 2.35%:
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | 1 215 PLN | 164 500 zł |
| PLN 300 000 | PLN 1 822 | 246 600 zł |
| PLN 400,000 | 2 430 PLN | PLN 329,000 |
| PLN 500,000 | PLN 3 037 | PLN 411 100 |
| PLN 700,000 | PLN 4 251 | PLN 575 300 |
These estimates – actual instalments depend on your bank's margin and repayment schedule.
WIBOR and car and company leasing
If you think WIBOR rates are just a problem for people with mortgages, you're wrong. The leasing companies also enlist money on the market and pay WIBOR. When the stakes grow, the leasing payment increases. This applies both to the leasing of passenger cars and company vehicles or equipment. If you are thinking about taking the car into leasing, it is worth knowing that today's WIBOR rates have directly influenced the prices they will offer you.
| 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 is simply an interest rate that banks lend each other money. This is short for "Warsaw Interbank Offered Rate" – the Warsaw interest rate between banks. Every bank has to borrow money from another bank, and WIBOR is the price it pays for it. Banks then transfer these costs to you – that's why your mortgage payment goes up as WIBOR grows.
Every working day at 11:00 am, the most important Polish banks report how much they want to borrow money. This data collects the WSE Benchmark, counts the average and publishes at 11:00 p.m. It is these rates – WIBOR ON, WIBOR 1M, WIBOR 3M, WIBOR 6M and WIBOR 1Y – that determine how much you will pay for mortgages, leasings and other financial products.
If you want to be on the race with today's WIBOR stakes and know how they change overnight, please visit digitalnexus.pl. Here you will find daily updates, explanations and tips on WIBOR rates that directly affect your pocket. Remember – financial knowledge is the first step towards smarter decisions!
