WIBOR stakes today – May 4, 2026
Today's WIBOR rate is one of those numbers which affect the instalments of thousands of Poles every day. WIBOR 3M current on 4 May 2026 is 3.85% and the entire WIBOR rate table is now available. What does this mean in practice? If you have a mortgage, its amount may vary depending on what level of indicator you have accepted in the contract. Read what has changed today and how it affects your wallet.
Today's WIBOR rates
WIBOR ON
Rate: 3.65% | Fixing date: 2026-05-04
This is the shortest rate – it concerns loans for one day and forms the basis for all others.
WIBOR 1M
Rate: 3.79% | Fixing date: 2026-05-04
Monthly WIBOR rate, which is used less often, but is always worth watching.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-05-04
This is the most important number for most borrowers, because WIBOR 3M current is the indicator on which mortgage agreements are most often based. When this WIBOR rate changes, your payment also changes. Exactly how much – depends on the margin of your bank, but it is this number that determines how much you pay to the bank every month.
WIBOR 6M
Rate: 3.89% | Fixing date: 2026-05-04
The six-month rate chosen by those who prefer stability is set at six months at a time.
WIBOR 1Y
Rate: 3.92% | Fixing date: 2026-05-04
The annual WIBOR rate is the largest of today's values, because the market always saves higher interest rates for longer periods.
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?
Tvoja mortgage rate is the sum of two things: WIBOR 3M ratio current (meaning 3.85%) plus bank margin, which usually amounts to between 2 and 2.5%. On today's date, your interest rate is in practice between 5.85 and 6.35%. This number determines how much you will pay each month.
Below you can see examples of instalments for different loan amounts. Remember, these are estimates, because in fact everything depends on the specific margin of your bank and how many years you have taken credit.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 247 | PLN 149 280 |
| PLN 300 000 | PLN 1 870 | PLN 223,920 |
| PLN 400,000 | PLN 2,494 | PLN 298,560 |
| PLN 500,000 | 3 117 PLN | PLN 373 200 |
| PLN 700,000 | PLN 4 364 | PLN 522 480 |
These estimates – actual instalments depend on your bank's margin and repayment schedule.
WIBOR and car and company leasing
You think WIBOR is just for people with regular mortgages? Nothing more wrong. Companies that lease cars or equipment also look at WIBOR rates and set their instalments on their basis. As WIBOR grows, leasing payments also tend to grow. Therefore, it is worth following what is happening with today's WIBOR price, even if you are planning to take a lease.
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 089 |
| PLN 100,000 | 48 months | 2 178 zł |
| PLN 150 000 | 60 months | PLN 2,789 |
| PLN 300 000 | 60 months | PLN 5,578 |
Estimates – actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
If you've heard the word WIBOR for the first time, it's a simple explanation: it's the average interest rate banks offer each other for loans. Each day this average changes because the financial market is changing. Your bank takes this number (WIBOR 3M current), adds its margins, and that's exactly what you pay. This is not something that happens immediately – changes in WIBOR rates affect instalments only after the period you have chosen in the contract (e.g. every three months).
Follow WIBOR rates at digitalnexus.pl
You want to know how much WIBOR today, without looking all over the Internet? Visit our portal regularly – we publish the latest WIBOR rates every day, right after the official fixation. It really is worth your time, because even by one tenth of a percent difference you can save or – on the contrary – expect an increase in the instalment.
