Today's WIBOR fixing rates are behind us – see what the WSE Benchmark posted on April 23, 2026. The current WIBOR 3M is 3.85%. If you have a variable interest rate mortgage, this figure directly affects how much you pay the bank every month. Stay a while – we explain everything in English, without any complicated tables or bank jargon.
WIBOR stakes today – 23 April 2026
Today's WIBOR rates
WIBOR ON
Rate: 3,58% | Fixing date: 2026-04-23
This is a stake for literally one day – banks use it for very short loans between themselves.
WIBOR 1M
Rate: 3.76% | Fixing date: 2026-04-23
Monthly rate – slightly higher than one day, but rarely found in ordinary consumer loans.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-04-23
This is the most important rate for most Poles paying their mortgage. If your credit agreement speaks of a variable interest rate based on WIBOR 3M, the bank checks this number every three months and calculates your payment on its basis. Today WIBOR 3M currently stands at 3.85% – the bank adds to its margin and so your interest rate comes up.
WIBOR 6M
Rate: 3.89% | Fixing date: 2026-04-23
Six-month rate – part of the credit agreements are attached to it, then the bank updates the instalment once every six months.
WIBOR 1Y
Rate: 3.92% | Fixing date: 2026-04-23
The longest term in the compilation – the longer the horizon, the higher the rate, which is clearly visible in today's data.
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?
If you have a variable interest rate mortgage, your payment is about WIBOR 3M plus a bank margin – and this margin is usually between 2 and 2.5%. At today's WIBOR 3M rate of 3.85%, the total interest rate of credit can reach around 5.85-6.35%, depending on your contract.
Below you will find approximate calculation of instalments for different loan amounts. We accepted an interest rate of 6.10% (WIBOR 3M 3.85% + margin of 2.25%), repayment period of 25 years and instalments equal.
| 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
WIBOR is not just a matter of mortgages – leasing companies also base their rates partly on WIBOR, so when WIBOR rates increase or fall, this can affect your leasing instalments. If you run a company and lease a car or machinery, it is worth keeping an eye on what is happening with WIBOR today and in subsequent weeks. Below, you can see examples of approximate lease instalments on the assumption of a 10% own payment and interest rate similar to current market conditions.
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | 1 040 PLN |
| PLN 100,000 | 48 months | PLN 2 080 |
| PLN 150 000 | 60 months | 2 490 PLN |
| PLN 300 000 | 60 months | PLN 4,980 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply an interest rate after which Polish banks lend each other money – such a price of money between banks. The banks use this number as a starting point to calculate loan rates for ordinary people, so the higher WIBOR, the more expensive the loan. It's a bit like the price of electricity in the wholesale – if it grows, the supplier also raises the bills.
Come to digitalnexus.pl every working day – here you will find fresh WIBOR rates today, immediately after the release by the WPW Benchmark. Have a nice day and I'll see you tomorrow!
