Today, April 27, 2026, GPW Benchmark published official rates WIBOR – and we have for you all the latest numbers in one place. As for WIBOR 3M current readings, the rate today is exactly 3.85%. For someone who pays back credit-hypothetical/" title="Holiday Credit">mortgage Credit with variable interest rate, this number shall be directly translated into the monthly instalment. Stay with us – in a few minutes you will learn everything worth knowing.
Rates WIBOR Today – 27 April 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.66% | Fixing date: 2026-04-27
That's the rate for literally one day – banks lend to each other money For the night after that course.
WIBOR 1M
Rate: 3.77% | Fixing date: 2026-04-27
One-month WIBOR today is 3.77% – used less often, but worth knowing for a full picture of the situation.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-04-27
WIBOR 3M is by far the most important rate for most Poles paying back credit-hypothetical/" title="Holiday Credit">mortgage Credit It is based on the interest of millions of credit agreements in Poland. Today it's 3.85%, and that's what every three months determines how much you pay the bank. If you have a variable rate loan, you should check here regularly.
WIBOR 6M
Rate: 3.90% | Fixing date: 2026-04-27
The six-month WIBOR is 3.90% today – some banks use this rate as a basis for calculating the instalment, so check in your contract, which option applies to you.
WIBOR 1Y
Rate: 3.94% | Fixing date: 2026-04-27
The annual WIBOR closed today's fixing at 3.94% – this is the highest rate published today.
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 a variable rate mortgage is usually WIBOR 3M plus a bank margin – and this margin is usually between 2 and 2.5 percent. This means that with 3.85% WIBOR 3M today, the combined interest rate of your credit may be between 5.85% and 6.35% depending on the bank and the terms of your contract. Below you will find an indicative calculation of the instalments for the most popular loan amounts – we accepted a repayment period of 25 years and an interest rate of 6.10% (i.e. WIBOR 3M 3.85% plus a margin of 2.25%).
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 303 | PLN 190 900 |
| PLN 300 000 | PLN 1,955 | 286 500 PLN |
| PLN 400,000 | PLN 2,606 | PLN 381 800 |
| PLN 500,000 | PLN 3 258 | 477 400 PLN |
| PLN 700,000 | PLN 4 561 | PLN 668 300 |
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 base their calculations at market rates and WIBOR is one of the main benchmarks. When WIBOR rates increase, leasing payments can be higher and when they fall – lower. If you're just considering leasing a car or equipment for the company, it's worth having at the back of your head that today's rates are also relevant here. Below are some indicative examples of leasing instalments with the assumption of 10% own contribution and interest rates of approximately 7.5%.
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 065 |
| PLN 100,000 | 48 months | 2 130 PLN |
| PLN 150 000 | 60 months | PLN 2,835 |
| PLN 300 000 | 60 months | PLN 5,670 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply an interest rate at which banks in Poland lend each other money – like the price of money between banks. The higher WIBOR, the more expensive is the loan to you because the bank has to earn somewhere on the fact that he borrowed more. That is why any change in WIBOR rates quickly reflects on the portfolios of people paying off a mortgage or a lease.
Look at digitalnexus.pl every day – here you will find WIBOR today and every next working day, always after official fixation of the GPW Benchmark. Fingers crossed for your wallet and I'll see you tomorrow!
