Today's fixing confirmed WIBOR rates for April 24, 2026 – see what they mean for your wallet. WIBOR 3M current data indicates a rate of 3.84% – this is the indicator that is most important for millions of Poles paying off their mortgage. Simply put, this figure depends on how much interest you pay to the bank every month. Read below exactly what has changed today and how it translates into specific gold.
WIBOR stakes today – 24 April 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.73% | Fixing date: 2026-04-24
This is the rate for literally one day – it is mainly used by banks between themselves and not ordinary borrowers.
WIBOR 1M
Rate: 3.78% | Fixing date: 2026-04-24
Monthly rate – rarely used in loans to individual customers, more often in short-term bank settlements.
WIBOR 3M
Rate: 3.84% | Fixing date: 2026-04-24
That's the rate you should pay the most attention to if you have a variable rate mortgage. WIBOR 3M current readings mean that banks update the interest rate of your credit on the basis of that number every three months. The higher WIBOR 3M, the higher the installment – and vice versa.
WIBOR 6M
Rate: 3.90% | Fixing date: 2026-04-24
This rate covers a period of six months and is used in part of credit agreements and financial products for companies – means that interest rates are updated twice a year.
WIBOR 1Y
Rate: 3.94% | Fixing date: 2026-04-24
Annual rate – the longest of the current published by WSE Benchmark, mainly used in settlements between financial institutions.
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 rate mortgage, your payment is just WIBOR 3M plus a bank margin. The margin is a fixed allowance fixed in the contract – usually between 2 and 2.5 percent, so the total interest rate of your loan today is about 5,84–6,34 percent per year.
Below you will find examples of calculations for different mortgage credit amounts assuming a repayment period of 25 years and a cumulative interest rate of approximately 6.09% (WIBOR 3M 3.84% + margin of 2.25%). These are approximate values so you have a reference point.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 296 | 188 800 zł |
| PLN 300 000 | PLN 1,944 | PLN 283 200 |
| PLN 400,000 | PLN 2,592 | 377 600 PLN |
| PLN 500,000 | PLN 3 240 | 472,000 PLN |
| PLN 700,000 | PLN 4 536 | 660 800 zł |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
WIBOR rates are not just a matter of those who pay off a mortgage – they also concern entrepreneurs and people who use car or company leasing. The leasing companies, like banks, finance their activities in the interbank market, so WIBOR changes translate directly into how much you pay for your car or company equipment every month. When WIBOR is higher today, leasing payments are higher too – it's simple.
The following are examples of estimated lease payments with the assumption of a 10% own payment, an interest rate of approximately 6.5% and standard contract terms.
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 060 |
| PLN 100,000 | 48 months | 2 120 PLN |
| PLN 150 000 | 60 months | PLN 2,760 |
| PLN 300 000 | 60 months | PLN 5,520 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply the price at which Polish banks lend each other money. Your bank, in order to be able to give you a mortgage, has to get the money from somewhere – and it is for their loan that WIBOR pays. Therefore, when WIBOR rates increase, your instalments increase, and when they fall – instalments can be lower.
Look at digitalnexus.pl every day so that you can always have current WIBOR rates at your fingertips – we publish them every working day immediately after the official fixation of the GPW Benchmark. Thanks to this, you always know what is going on in the market and how it affects your wallet – without unnecessary complications and bank jargon.
