Today's rates WIBOR published by WSE Benchmark show how current financing conditions in Poland are shaping. WIBOR 3M current today is 3.85% and is one of the most important information for all who have or plan to take credit-hypothetical/" title="Holiday Credit">mortgage Credit. If you have a housing loan, this number directly affects the amount of your monthly instalment. We invite you to read the full summary of today's rates and what this means in practice for your wallet.
Rates WIBOR Today – 21 May 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.78% | Fixing date: 2026-05-21
This is the overnight rate – used mainly by banks in settlements between themselves for one day.
WIBOR 1M
Rate: 3.80 % | Fixing date: 2026-05-21
One-month rate shall reflect the financing costs for the month.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-05-21
This is the most commonly used rate for mortgages and variable interest rates. If yours credit is connected to WIBOR 3M current, it is this rate that determines the amount of your installment. The banks add their margin to it and the final interest on your loan comes out.
WIBOR 6M
Rate: 3.96% | Fixing date: 2026-05-21
The six-month rate chosen by some banks for loans with longer periods of interest revaluation.
WIBOR 1Y
Rate: 4.04% | Fixing date: 2026-05-21
Annual rate, highest among today's quotations – used for loans with fixed rates throughout the year.
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 the sum of two elements: WIBOR 3M current and bank margin. The margin is an additional percentage that the bank earns – usually amounts to about 2.00% to 2.50%, but each bank determines it individually. This means that if today WIBOR stands at 3.85% and your bank's margin is 2.20%, your total interest rate will be about 6.55%.
Below you will find an estimate of monthly instalments for different mortgages, with a 25-year repayment period and a 6.05% interest rate:
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 276 | 82 800 PLN |
| PLN 300 000 | 1 914 PLN | 124 200 zł |
| PLN 400,000 | 2 552 PLN | 165 600 zł |
| PLN 500,000 | 3 190 PLN | PLN 207 000 |
| PLN 700,000 | PLN 4 466 | 289 800 PLN |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
Not only mortgages depend on WIBOR rates. The leasing companies that make cars or equipment available also rely on these rates when calculating their instalments. As WIBOR grows, the lease payment also increases – and vice versa. Therefore, tracking today's WIBOR rates is important for anyone considering taking a vehicle on a lease.
These are estimated leasing payments at current market conditions:
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | 1 150 PLN |
| PLN 100,000 | 48 months | 2 300 PLN |
| PLN 150 000 | 60 months | PLN 2,680 |
| PLN 300 000 | 60 months | PLN 5 360 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply the average interest rate for which Polish banks borrow money from each other. It's always a real market rate, not something invented by one bank. The word WIBOR comes from English and means Warsaw Interbank Offered Rate – that is, in Polish, the Warsaw interbank rate offered. Each bank must know these rates because they are based on the terms they offer to their customers. As WIBOR grows, loan instalments grow. When WIBOR falls, the instalments also decrease – at least for those loans that have variable interest rates.
Today's WIBOR rates are a valuable document for anyone who plans mortgage, leasing or just wants to keep up with the financial situation. It is worth regularly checking current quotes – already tomorrow the values may change. We invite you to digitalnexus.pl every day to not miss any changes in WIBOR rates and be always aware of how your credit situation is shaping. This is our mission – to always have reliable information for you, given in a simple, understandable way.
