Today's fixing confirmed the official WIBOR rates for April 3, 2026 – check what has changed and what it means for your wallet. WIBOR 3M current ratings today are 3.85%. If you have a variable interest rate mortgage, this figure directly affects the amount of your monthly instalment. Continue reading – we explain everything simply and in English.
WIBOR stakes today – 3 April 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.61% | Fixing date: 2026-04-03
This is a one-day rate – banks use it with very short loans among themselves.
WIBOR 1M
Rate: 3.77% | Fixing date: 2026-04-03
Monthly rate – less common in credit for ordinary people, more often in company products.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-04-03
It is WIBOR 3M that current quotations are of greatest importance for most Poles with a mortgage. If your bank uses WIBOR 3M as a base of interest, Your payment is calculated every three months on the basis of this rate. In short, this number is one of the two components of your interest rate.
WIBOR 6M
Rate: 3.88% | Fixing date: 2026-04-03
Half-year rate – some banks use it for mortgages instead of WIBOR 3M, then the instalment changes once every six months.
WIBOR 1Y
Rate: 3.90% | Fixing date: 2026-04-03
The annual rate – the longest rate published today, shows how banks value lending money a year ahead.
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 mortgage rate is simply WIBOR 3M plus your bank's margin – and the margins in Poland usually range between 2% and 2.5%. This means that with 3M WIBOR today at 3.85% of the total interest rate of your credit may range from about 5.85% to 6.35%, depending on the contract you signed.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | 1 272 PLN | 157 200 zł |
| PLN 300 000 | PLN 1,908 | 235 800 zł |
| PLN 400,000 | PLN 2,544 | PLN 314 400 |
| PLN 500,000 | 3 180 PLN | PLN 393,000 |
| PLN 700,000 | 4 452 PLN | 550 200 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 only a topic for people with a mortgage – they also concern companies and all those who have taken a lease on a car or equipment. The leasing companies also base their calculations at WIBOR rates, so as WIBOR grows or falls today, leasing payments may change after it. Below are some examples of estimates to have an overall picture of the situation.
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | 1 190 PLN |
| PLN 100,000 | 48 months | 2 380 PLN |
| PLN 150 000 | 60 months | PLN 2,975 |
| PLN 300 000 | 60 months | PLN 5,950 |
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 – the higher WIBOR, the more expensive it costs such a "bank lending". For you as a customer, it is important that banks use this rate as a starting point to calculate the interest rate of your mortgage or lease. Simply put: WIBOR is one of the two components of your installment – the bank adds its margin to it and is ready.
If you want to track WIBOR rates today and every next working day, look at digitalnexus.pl – we update the data immediately after each fix. See you tomorrow, stay warm and keep an eye on your wallet!
