Dziś, 21 kwietnia 2026, GPW Benchmark opublikowała oficjalne stawkiWIBORi mamy dla Ciebie wszystkie najważniejsze liczby w jednym miejscu. Jeśli chodzi o WIBOR 3M aktualne dane – stawka wynosi dziś dokładnie 3,87%. Dla kogoś, kto spłacacredit-hypothetical/" title="Holiday Credit">mortgage Creditze zmiennym oprocentowaniem, właśnie ta liczba ma największy wpływ na wysokość miesięcznej raty. Zostań z nami – poniżej znajdziesz wszystko, co naprawdę warto wiedzieć.
RatesWIBORdziś – 21 kwietnia 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.71% | Fixing date: 2026-04-21
To stawka na dosłownie jeden dzień – banki pożyczają sobiemoneydosłownie „na dobranoc”.
WIBOR 1M
Rate: 3.76% | Fixing date: 2026-04-21
One-month rate – banks borrow money a month after this cost.
WIBOR 3M
Rate: 3.87% | Fixing date: 2026-04-21
It is this rate that most Poles with a mortgage are interested in. WIBOR 3M current readings tell us that the rate is 3.87% – and it is this index that banks most often use to calculate the interest rates on housing loans. If your credit agreement is based on WIBOR 3M, this number affects your payment directly every three months.
WIBOR 6M
Rate: 3.88% | Fixing date: 2026-04-21
The six-month rate is only slightly higher than WIBOR 3M – some mortgages are allocated to it, so the update of the instalment occurs once every six months.
WIBOR 1Y
Rate: 3.89% | Fixing date: 2026-04-21
Najdłuższy z publikowanych dziś terminów – banki pożyczają sobiemoneyna cały rok po tej stawce.
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 mortgage rate is usually WIBOR 3M plus a bank margin – and this margin is usually between 2 and 2.5%. So if WIBOR 3M is 3.87% today, then the total interest rate of your loan could be between 5.87% and 6.37% – depending on what contract you signed with the bank.
In the table below you will see what examples of instalments for different loan amounts look like – we have established a 25-year repayment period and an interest rate of 6.12% (WIBOR 3M 3.87% + margin of 2.25%).
| 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
Nie tylkocredit-hypothetical/" title="Holiday Credit">mortgage Creditzależy od stawek WIBOR – firmy leasingowe też biorą pod uwagę te wskaźniki, kiedy ustalają wysokość rat. Jeśli bierzesz leasing na auto firmowe albo maszyny, zmiany WIBOR mogą spokojnie wpłynąć na to, ile co miesiąc płacisz. Poniżej przykładowe, orientacyjne raty leasingowe przy założeniu oprocentowania zbliżonego do aktualnego poziomu rynkowego i wpłacie własnej na poziomie 10%.
| 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 | 2 890 zł |
| PLN 300 000 | 60 months | PLN 5,780 |
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 this price increases, they also cost loans to ordinary people – because the bank, which pays more itself, shifts this cost to customers. Enough to know why WIBOR rates are tracked by thousands of Poles every day.
If you want to keep up with what happens to WIBOR rates, look at digitalnexus.pl every day – we update the data every working day after 23:00, as soon as the GPW Benchmark publishes them. See you tomorrow – and we hope WIBOR today was a little less mysterious to you than yesterday!
