WIBOR stakes for today, or April 29, 2026, were already officially published after morning fixing. If you have a mortgage or are planning a lease, it is these few figures that decide how much money stays in your wallet every month. Today the most important rate for ordinary Kowalski **WIBOR 3M** is exactly **3.85%** – it is from her that the lion's share of the interest in the average housing obligation is charged. Simply put, if you repay a loan with variable interest rates, this value largely determines the amount of the upcoming instalments. Stay with me for a while, I'll explain everything so no one feels lost.
WIBOR stakes today – April 29, 2026
Let's take a look at today's table of rates, which was given by the WSE Benchmark. Each has its own application, but don't worry – I'll translate it right into our daily language.
Today's WIBOR rates
WIBOR ON
Rate: 3,57% | Fixing date: 2026-04-29
This is the shortest possible indicator, used mainly between banks for loans literally for one night. For you, as a private person, it is not directly relevant for the housing loan.
WIBOR 1M
Rate: 3.78% | Fixing date: 2026-04-29
This indicator is already a little closer to home budget as some banks use it for consumer loans or renewable debt limits. I don't think you'll see him in a mortgage every day.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-04-29
Here's the star of today's chart and the main reason you're here. **WIBOR 3M** is a three-month indicator on which the vast majority of mortgage loans in Poland are based. When the bank in your contract records the formula "WIBOR 3M + margin", this figure of 3.85% is the basis for the calculation today. If you start a new interest period with that rate, Your interest will simply be lower than when WIBOR exceeded 7 percent. This stable level, which for many home budgets simply means predictability – you know that in the coming months the installment rate should not surprise you with a drastic leap.
WIBOR 6M
Rate: 3.89% | Fixing date: 2026-04-29
Six-month WIBOR is more common in credit offers to companies or in specific mortgage products. For an ordinary residential borrower, it is less popular than a three-month variant, but works on a similar principle – only an update of the instalment occurs less often.
WIBOR 1Y
Rate: 3.92% | Fixing date: 2026-04-29
The annual indicator is quite predictable, often under long-term leasing contracts. There is a slight increase compared to shorter terms, which is a perfectly normal phenomenon.
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?
You already know that your credit is actually the sum of two components: the bank's margin (which is constant throughout the repayment period and is usually between 2 and 2.5 percent) and the current rate **WIBOR 3M**. Today's 3.85% combined with a typical margin gives us a total interest rate of about 6.10–6.35 percent per year. Sounds dry, doesn't it? A much more pictorial table will show how it actually translates into your monthly payment and the total cost of interest, assuming a standard repayment period of 25 years.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 333 | PLN 200,000 |
| PLN 300 000 | PLN 2 000 | PLN 300 000 |
| PLN 400,000 | PLN 2 666 | PLN 400,000 |
| PLN 500,000 | PLN 3 333 | PLN 500,000 |
| PLN 700,000 | PLN 4 666 | PLN 700,000 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
WIBOR rates do not apply only to persons paying the apartment. If you drive in a leasing car or your company funds your equipment, you also feel these changes. The leasing companies are linking their contracts to benchmarks, and today's rates make monthly commitments to a reasonably friendly level. In other words, the payment for a company car today does not consume the budget more than you expected, and its amount is similar to what you see in simulations.
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 195 |
| PLN 100,000 | 48 months | 2 390 PLN |
| PLN 150 000 | 60 months | PLN 2,965 |
| PLN 300 000 | 60 months | PLN 5,930 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
Simply put, WIBOR is the price at which banks are willing to lend each other money for a certain number of months. The higher the percentage, the more expensive it is for them to get cash, and these costs are later passed on to customers in the form of higher instalments. For you as a borrower WIBOR is neither good nor bad – this is simply current information, which once in a while updates the amount of your monthly transfer to the bank.
I hope that everything is clear and transparent now. If you want to look at fresh data every day, run into digitalnexus.pl on a regular basis – we ensure that you always have current WIBOR rates at your fingertips without unnecessary confusion. Fingers crossed for your home budget and I'll see you next time you fix.
