# Bets WIBOR Today – May 25, 2026. How much are they and how do they affect your payment?
Today's rates WIBOR they have just been published, and the most important for borrowers is WIBOR 3M, which is the three-month rate. The current WIBOR 3M today is 3.86% — is a value that directly affects the amount of mortgage payments of thousands of Poles. If you have credit-hypothetical/" title="Holiday Credit">mortgage Credit with variable interest rate, this number concerns you personally. We invite you to read an article in which we will explain what it means and how it will affect your wallet.
WIBOR stakes today – May 25, 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.75% | Fixing date: 2026-05-25
WIBOR ON is the overnight rate, which is the shortest possible — for loans for one working day.
WIBOR 1M
Rate: 3.79% | Fixing date: 2026-05-25
WIBOR 1M is a one-month rate, mainly used in short-term interbank operations.
WIBOR 3M
Rate: 3.86% | Fixing date: 2026-05-25
WIBOR 3M current is the most important rate for ordinary Poles with mortgages. This is what banks use to calculate your payment. Most mortgage loans in Poland are linked to this rate, which is why WIBOR 3M is observed most closely.
WIBOR 6M
Rate: 3.95% | Fixing date: 2026-05-25
WIBOR 6M is a six-month rate, sometimes used in loans with longer periods of interest capitalisation.
WIBOR 1Y
Rate: 4.01% | Fixing date: 2026-05-25
WIBOR 1Y is the annual rate — the highest of all because the loan per year is associated with a higher risk to the bank.
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 always WIBOR 3M plus something that banks call the magic. The margin is usually between 2 and 2.5 percent — It's the bank's salary. Today, when WIBOR 3M is 3.86%, with a 2.5% margin, the total interest rate would be 6.36%.
Below you will see indicative monthly instalments for different mortgages. We counted for a period of 25 years and a rate of 6.36% per year.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | 1 353 PLN | 204 900 PLN |
| PLN 300 000 | PLN 2 029 | 307 350 zł |
| PLN 400,000 | PLN 2,706 | 409 800 zł |
| PLN 500,000 | PLN 3,382 | PLN 512 250 |
| PLN 700,000 | PLN 4,735 | 717 150 zł |
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 rent cars or machines also use WIBOR to calculate their costs. As WIBOR grows, the lease payment also goes up — It's a direct consequence. If you are considering leasing a car or machinery for the company, it is worth watching where WIBOR rates move.
Below are indicative lease payments at present WIBOR rates.
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | 1 180 PLN |
| PLN 100,000 | 48 months | 2 360 PLN |
| PLN 150 000 | 60 months | 2 890 zł |
| PLN 300 000 | 60 months | PLN 5,780 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is a word derived from the English word "Warsaw Interbank Offered Rate", that is, as if the rate at which Polish banks lend to each other money. Imagine this: one bank has too much cash, the other is missing — they need to understand the price of such a loan. That price is WIBOR. Every day banks report as much as they want to borrow, and that's the average. The result is published by the Warsaw Stock Exchange. Your bank takes this rate, adds its margin to it and is ready — You have interest on your credit.
Track WIBOR rates daily on Digital Nexus
WIBOR rates change every working day, so it is worth keeping an eye on them. If you have credit-hypothetical/" title="Holiday Credit">mortgage Credit with variable interest rates, these daily changes directly affect your rate. We invite you to visit Digital Nexus regularly, where we publish current WIBOR rates daily and explain what has changed and why. Because knowledge is money — And in this case literally!
