Today, April 28, 2026, we met the latest Rates WIBOR published after morning fixing. WIBOR 3M Current is exactly 3.85%, which is key information for anyone who pays back credit-hypothetical/" title="Holiday Credit">mortgage Credit based on this rate. In practice, this means that the monthly instalment will remain very close to what we have seen in recent weeks. If you want to quickly check exactly what today's values look like for all terms and what this means for your wallet, please read — I'm explaining it as simply as I can.
WIBOR stakes today – April 28, 2026
Today's WIBOR rates
WIBOR ON
Rate: 3,57% | Fixing date: 2026-04-28
This is the overnight rate for the shortest loans between banks — for the average Kowalski, it is rather symbolic and does not directly affect the instalments of housing loans.
WIBOR 1M
Rate: 3.76% | Fixing date: 2026-04-28
WIBOR one month is considered for some financial products, but for a typical mortgage loan is a less common indicator.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-04-28
This is the most important value of the whole list for people with credit-hypothetical/" title="Holiday Credit">mortgage Credit — the vast majority of banks in Poland base interest on WIBOR 3M current. Simply put, if your loan is updated right now, the payment for the next three months will be counted at that rate. The amount of 3.85% may sound abstract, but in a moment I'll show on concrete examples how much is actually gold a month.
WIBOR 6M
Rate: 3.89% | Fixing date: 2026-04-28
The half-year rate is slightly higher than three months, which is natural — The longer the period, the more uncertainty costs. Some banks use WIBOR 6M in loans but are clearly less than those based on a three-month rate.
WIBOR 1Y
Rate: 3.92% | Fixing date: 2026-04-28
The annual WIBOR is today the highest of the list and shows how the market values money in the longer term. For the average mortgage borrower, however, it is less practical.
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 residential liability is a very simple sum WIBOR 3M current and the margin that the bank charges as its earnings — This is usually between 2 and 2.5 percent. Plus, there's still a length of repayment, but it'll be there in a minute. The table below shows how much the monthly instalment is today, assuming that the total interest rate is just 3.85% plus an example margin of 2.5%, and the loan was drawn for 25 years.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | 1 285 PLN | PLN 185 000 |
| PLN 300 000 | PLN 1,928 | PLN 278,000 |
| PLN 400,000 | PLN 2 570 | PLN 371,000 |
| PLN 500,000 | PLN 3 213 | PLN 464,000 |
| PLN 700,000 | PLN 4 498 | PLN 649,000 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
As you can see, even by a fraction of the percentage in WIBOR can translate into a few dozen zlotys a month. If WIBOR Today was by 0.2 percentage points higher, the loan rate for PLN 400 thousand would have jumped by over PLN 50. With hundreds of thousands of Poles paying off housing obligations are huge money in the whole economy. That's why so many people check every day WIBOR rates — not out of curiosity, but out of the real need for home budget planning.
WIBOR and car and company leasing
It is not only private individuals with their apartment that depend on these indicators. If you run a business and have a car in lease, Your payment is also linked to WIBOR rates — leasing companies use the same mechanisms as banks use on loans. A change in WIBOR by even a few hundred percent can raise or reduce the monthly commitment by a noticeable amount, especially with more expensive vehicles. The following are some examples of calculations for different values of the lease subject.
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 185 |
| PLN 100,000 | 48 months | 2 370 PLN |
| PLN 150 000 | 60 months | PLN 2 845 |
| PLN 300 000 | 60 months | PLN 5 690 |
Estimates — the actual instalments determined individually by the leasing firm.
In the case of leasing, the situation is so interesting that entrepreneurs often take on several contracts at the same time and even a small adjustment WIBOR 3M current summing up on the entire fleet of vehicles. That's why many company owners follow WIBOR Today as closely as landlords. The good news is, the more stable they are. WIBOR rates, the easier it is to plan spending for the next months and not worry about surprises in the accounts.
What is WIBOR? Short explanation
WIBOR is nothing but a price at which banks are willing to lend to themselves money for a certain time. Simply put, if we ourselves wanted to borrow cash from the bank, we would pay WIBOR plus the mentioned margin. It is an indicator that daily reflects the current situation on the financial market, and its amount depends on many factors that the average man does not need to explore. — You just need to know how it translates into payment.
Thank you for being with us and checking regularly WIBOR rates == sync, corrected by elderman == — daily we publish the current values immediately after the evening publication of the data by the WSE Benchmark, so that you always have information at your fingertips. My fingers crossed for your home budget, and... I'll see you tomorrow at the next article.
