# Bets WIBOR Today – May 22, 2026. What are the WIBOR rates today?
Rates WIBOR on 22 May 2026 have just been published and anyone who has credit-hypothetical/" title="Holiday Credit">mortgage Credit or is thinking of enlisting it, should know what the current values are. WIBOR 3M is present today at 3.86%, which directly affects the amount of instalments for millions of Poles. If you have a variable rate mortgage, this number means that your instalment may change. Continue reading to find out exactly what this means for your wallet.
WIBOR stakes today – 22 May 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.85% | Fixing date: 2026-05-22
This is the shortest WIBOR rate – valid for loans for one day.
WIBOR 1M
Rate: 3.82% | Fixing date: 2026-05-22
The one-month rate is slightly lower than overnight and used for operations per month.
WIBOR 3M
Rate: 3.86% | Fixing date: 2026-05-22
This is the rate that most interests borrowers in Poland. WIBOR 3M current is the basis for calculating interest rates for most variable-rate mortgage loans. This figure – 3.86% – will affect your payment for the next settlement period.
WIBOR 6M
Rate: 3.95% | Fixing date: 2026-05-22
The six-month rate is higher and chosen by customers who prefer longer periods between interest rate changes.
WIBOR 1Y
Rate: 4.01% | Fixing date: 2026-05-22
This is the longest rate from basic periods – annual. Who prefers more stable instalments, sometimes chooses this option.
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 WIBOR 3M and the bank margin. Today's WIBOR 3M is 3.86%, and the bank's margin is usually between 2 and 2.5%. Together you get the final interest rate, which determines the amount of the monthly instalment.
The following are examples of instalments for different loan amounts, calculated on the basis of today's WIBOR rates (the average margin of 2.3% and the period of 25 years was accepted):
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 089 | 126 700 zł |
| PLN 300 000 | PLN 1 634 | 190 200 zł |
| PLN 400,000 | 2 178 zł | 253 400 zł |
| PLN 500,000 | PLN 2,723 | PLN 316 900 |
| PLN 700,000 | PLN 3,812 | PLN 443 600 |
These estimates – actual instalments depend on your bank's margin and repayment schedule.
WIBOR and car and company leasing
WIBOR is not just about mortgages. The leasing companies also use WIBOR rates to determine the price of rental cars and machines. If you consider leasing a vehicle for yourself or your company, today WIBOR 3M will affect how much you will pay per month. The higher WIBOR, the higher usually leasing instalments. Thus, any change in WIBOR rates translates into portfolios of people using leasing.
Below are some examples of estimated leasing instalments at today's rates:
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 156 |
| PLN 100,000 | 48 months | PLN 2,312 |
| 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 the average interest rate in which Polish banks lend to themselves money. Akronim comes from English: Warsaw Interbank Offered Rate, i.e. "a bet offered on the Warsaw interbank market". What does that mean in practice? Simply – banks determine among themselves how much they will borrow money for different periods (one day, month, three months, etc.). From this information the average that becomes WIBOR is calculated. Then banks use this rate as a starting point to determine how much they will charge you for credit. It's a "base course" where they start negotiating.
Track WIBOR rates daily on Digital Nexus
WIBOR rates change every working day, which means that people with variable mortgages or leases should always be kept up to date. On our digitalnexus.pl portal you find daily WIBOR updates today – all deadlines, all live data. Come back tomorrow to see how the stakes change, and be a step ahead of your finances.
