Today's WIBOR rates published by GPW Benchmark show that WIBOR 3M is 3.84%, and this directly affects the amount of your mortgage payments. It may seem complicated, but we're about to explain it in a simple way. If you have a mortgage or are thinking about borrowing it, you should be interested in the article you will read below.
WIBOR stakes today – April 30, 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.47% | Fixing date: 2026-04-30
This is the overnight rate, which is for one day – the smallest of all.
WIBOR 1M
Rate: 3.76% | Fixing date: 2026-04-30
One-month rate – used mainly by financial institutions for short-term settlements.
WIBOR 3M
Rate: 3.84% | Fixing date: 2026-04-30
This is the most important rate for ordinary people, because it is WIBOR 3M that is currently based on installments of most mortgages. If you have a variable interest rate loan, it is this figure – 3.84% – that determines how much you pay in the next three months. That's a stake to keep an eye on.
WIBOR 6M
Rate: 3.88% | Fixing date: 2026-04-30
Half-year rate – some mortgages or business loans are linked to this benchmark.
WIBOR 1Y
Rate: 3.91% | Fixing date: 2026-04-30
Annual rate – used primarily for longer-term credit agreements and loans.
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?
If you have a variable rate mortgage, your interest rate is just WIBOR 3M plus what banks call a margin – usually about 2.0 to 2.5 percent. This means that if WIBOR 3M is 3.84%, then your actual interest rate is about 5.84% to 6.34% – depending on what margin the bank gave you.
Below we show estimates of instalments for different mortgages, assuming an average bank margin of 2.2% and a repayment period of 30 years:
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 210 | 235 600 PLN |
| PLN 300 000 | PLN 1 815 | PLN 353 400 |
| PLN 400,000 | 2 420 zł | PLN 471 200 |
| PLN 500,000 | PLN 3,025 | PLN 589,000 |
| PLN 700,000 | PLN 4 235 | PLN 824 600 |
These estimates – actual instalments depend on your bank's margin and repayment schedule.
WIBOR and car and company leasing
Not only mortgages depend on WIBOR. The leasing companies, when they finance cars and equipment for businesses, also use these rates. When WIBOR 3M is up-to-date, it may increase your leasing instalments. Companies need somewhere to take money to finance – and they take it from rates such as WIBOR.
Below we show examples of leasing instalments for different values of items, assuming the average leasing company margin:
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 050 |
| PLN 100,000 | 48 months | 2 100 zł |
| PLN 150 000 | 60 months | 2 650 PLN |
| PLN 300 000 | 60 months | PLN 5 300 |
Estimates – actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply the average interest rate that arises from bank offers. Every day at eleven o'clock in the morning, Polish banks talk about how much they want to lend money to other banks for different periods – from one day to one year. Of these offers, the average counts, and this average is WIBOR. The banks use this number to determine your loan interest rate. The higher the WIBOR rate, the higher your installments.
Follow WIBOR rates every day at digitalnexus.pl
If you have a mortgage or plan to enlist it, it is always worth knowing what the current WIBOR rate is. Financial markets change every day, and your knowledge is your strength. We invite you to digitalnexus.pl, where we publish the latest WIBOR rates every day and explain what this means for you. Keep up with it!
