Today, March 31, 2026, official WIBOR rates have been published – and as every day, we have for you all numbers in one place, straight and without wrapping in cotton. WIBOR 3M current listing for today is 3.85%. If you have a variable-rate mortgage, that's the most impact on how much you pay in installments. Stay a moment – below you will find everything you need to know.
WIBOR stakes today – March 31, 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.59% | Fixing date: 2026-03-31
That's the rate for one day – banks borrow money from day to day.
WIBOR 1M
Rate: 3.81% | Fixing date: 2026-03-31
One-month rate – less common in loans but worth tracking.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-03-31
This is the most important rate for most Poles paying their mortgage. Banks look at WIBOR 3M every three months and calculate your interest rate. The lower WIBOR 3M, the lower the installment – and vice versa. Today's 3.85% is worth remembering.
WIBOR 6M
Rate: 3.89% | Fixing date: 2026-03-31
This rate is valid for six months and is the basis for loans that are updated every six months. A little higher than WIBOR 3M, but still close.
WIBOR 1Y
Rate: 3.92% | Fixing date: 2026-03-31
The longest of the tracked rates – covers the full year and is the highest in today's ranking.
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 simply the sum of two components: the current WIBOR 3M plus the bank margin, which usually amounts somewhere between 2 and 2.5%. With today's WIBOR 3M of 3.85%, the total interest rate of credit is around 5.85–6.35% – and that is what your monthly payment depends on. Below you will find examples of values for different loan amounts, assuming 25 years of repayment and interest rate of 6.10% (WIBOR 3M 3.85% + margin of 2.25%).
| 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 1,954 | 286 200 PLN |
| PLN 400,000 | 6,10% | PLN 2,606 | PLN 381 800 |
| PLN 500,000 | 6,10% | 3 257 PLN | PLN 477 100 |
| PLN 700,000 | 6,10% | PLN 4 560 | PLN 668,000 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
Not only banks look at WIBOR rates – leasing companies too. If you take a lease on a car or company equipment, its cost is also linked to where WIBOR rates currently stand. When WIBOR grows, leasing payments may be higher – and when it falls, there is a chance of cheaper leasing. Below are indicative instalments at today's market conditions and a 10% own deposit.
| 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 | PLN 2,780 |
| PLN 300 000 | 60 months | PLN 5,560 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply the rate at which Polish banks lend each other money. Banks report each working day at 11:00 a.m. on the conditions under which they are prepared to lend money to other banks – and WIBOR emerges from these notifications. For you as a normal person, this is important mainly because banks include this rate in the interest rate on loans, i.e. your mortgage.
Follow current WIBOR rates every working day on digitalnexus.pl – you always have fresh data from the source, without reading complicated tables. See you tomorrow – and we hope WIBOR will be more gracious to you than to your wallet!
