Today, April 22, 2026, new WIBOR rates were published – and as always it is worth knowing exactly what they are. WIBOR 3M current listing today is 3.86%. If you have a variable interest rate mortgage, this figure has a direct impact on your monthly rate. Stay with us – below you will find everything you need to know in a few minutes and without any difficult words.
WIBOR stakes today – 22 April 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.64% | Fixing date: 2026-04-22
This is a stake for literally one day – banks use it for very short settlements among themselves.
WIBOR 1M
Rate: 3.75% | Fixing date: 2026-04-22
Rate per month – less commonly used in loans to individual customers, more often used in corporate accounts.
WIBOR 3M
Rate: 3.86% | Fixing date: 2026-04-22
WIBOR 3M is the current listing that interests most everyone who pays off a mortgage. Most banks in Poland have based interest rates on variable loans at this rate – every three months the bank checks the current WIBOR 3M and converts your payment. In other words, this number is one of the two components of your loan interest rate.
WIBOR 6M
Rate: 3.88% | Fixing date: 2026-04-22
Rates per six months – some banks offer mortgage loans just based on WIBOR 6M, meaning that the instalment changes less often because only every six months.
WIBOR 1Y
Rate: 3.89% | Fixing date: 2026-04-22
Annual rate – the least used in retail loans, but worth knowing for a full picture of the market.
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 things: the current WIBOR 3M and the margin established by the bank in the contract – usually between 2 and 2.5%. With today's WIBOR 3M of 3.86%, the total interest rate on variable mortgage credit is approximately 5.86% to 6.36%, depending on your bank's margin.
Below you will find a table with estimated instalments for different loan amounts. We accepted a repayment period of 25 years and an interest rate of 6.11% (WIBOR 3M 3.86% + 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
Not only is mortgage credit linked to WIBOR – leasing companies also consider it when they set the amount of instalments. If the company takes a car or machine into leasing, changing WIBOR rates can make the instalment slightly higher or lower. It's not complicated – it's just worth having it in the back of your head, planning the company's budget.
The following are examples of estimated lease payments with the assumption of a 10% own payment and interest rate based on WIBOR 3M plus a leasing margin.
| 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 | PLN 2,790 |
| PLN 300 000 | 60 months | PLN 5,580 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply the rate at which banks lend each other money – like the price of money on the market between banks. If you have a variable interest rate mortgage, your bank occasionally checks the current WIBOR and calculates the amount of your payment on its basis. You can imagine this: when WIBOR grows, the installment grows, when WIBOR falls, the installment falls.
Every day look at digitalnexus.pl – we publish current WIBOR rates each working day so that you always know what's going on with your credit. Thanks for reading and I'll see you tomorrow!
