Today, March 30, 2026, WIBOR official rates designated by the WSE Benchmark were published – and it is worth knowing what they mean for your wallet. WIBOR 3M today's current listing is exactly 3.85%. If you have a variable rate mortgage, this figure directly affects the amount of your instalment. Continue reading – we explain everything in English, without any financial jargon.
WIBOR stakes today – March 30, 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.63% | Fixing date: 2026-03-30
This is the stake for literally one day – banks borrow money for the night after this course.
WIBOR 1M
Rate: 3.77% | Fixing date: 2026-03-30
Here we have a rate for one month – rarely applied directly in loans to ordinary customers.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-03-30
It is this rate that is the most important for the majority of Poles paying the mortgage. WIBOR 3M current listing is the basis for interest rates on millions of residential loans in Poland. If your bank updates the credit rate every three months, it does so on the basis of this figure.
WIBOR 6M
Rate: 3.89% | Fixing date: 2026-03-30
Six-month rate – some banks use it instead of WIBOR 3M, meaning that the instalment is converted less often, but also based on this value.
WIBOR 1Y
Rate: 3.92% | Fixing date: 2026-03-30
The longest of the published rates – set for the whole year and rarely applied directly in credit agreements for individual customers.
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 mortgage is two parts in the simplified form: the current WIBOR 3M and the bank margin, which is usually between 2 and 2.5%. In the following calculations, we adopted a repayment period of 25 years and a bank margin of 2.25%, which gives a combined interest rate of 6.10%.
| Amount of credit | Interest rate | Monthly instalment | Total cost of interest |
|---|---|---|---|
| PLN 200,000 | 6,10% | PLN 1 303 | PLN 190 900 |
| PLN 300 000 | 6,10% | PLN 1,955 | 286 500 PLN |
| PLN 400,000 | 6,10% | PLN 2,606 | PLN 381 800 |
| PLN 500,000 | 6,10% | PLN 3 258 | 477 400 PLN |
| PLN 700,000 | 6,10% | 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 the mortgage feeling changes in WIBOR rates – leasing companies also base their calculations on this indicator, so when WIBOR grows or falls today, the cost of car or machine leasing changes. For an entrepreneur taking a car in leasing it simply means that the instalment may be higher or lower depending on what happens to WIBOR rates. Below you will find indicative instalments for various values of lease items, calculated on the basis of the interest rate based on today's WIBOR 3M plus the leasing margin.
| 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 money is on the market. For ordinary Kowalski, this is mainly because banks add this rate to their margin and thus calculate the mortgage interest rate. Simply put: when WIBOR rates increase, credit instalments increase, and when they fall – instalments decrease.
Look at digitalnexus.pl every day to keep up with current WIBOR rates – we publish them every working day immediately after the official fixation of the GPW Benchmark. See you tomorrow – we keep an eye on it so you don't have to worry about it!
