WIBOR stakes today – 5 May 2026
Today, WIBOR rates were published by WPW Benchmark and constitute a reference for millions of Poles with loans. Today WIBOR 3M, the most popular rate for borrowers, is 3.85%. If you have a mortgage, this number directly affects the amount of your payment. If you want to know what is happening on the financial market and how it concerns your wallet, please read it.
Today's WIBOR rates
WIBOR ON
Rate: 3,51% | Fixing date: 2026-05-05
This is the rate for loans for one day – bankers use it for quick transactions between themselves.
WIBOR 1M
Rate: 3.80 % | Fixing date: 2026-05-05
One-month rate is lower than longer periods – the market considers that the risk is lower.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-05-05
This is the most popular rate for Polish borrowers. If you have a variable rate mortgage, the bank calculates your interest rate on that rate. WIBOR 3M current today is 3.85%, and this number determines how much you will pay for the money borrowed.
WIBOR 6M
Rate: 3.90% | Fixing date: 2026-05-05
The six-month rate is higher than three months, because the bank, when granting credit for a longer period, takes on more risks.
WIBOR 1Y
Rate: 3.94% | Fixing date: 2026-05-05
The annual rate is the highest today – the longer the period, the higher the price of money.
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?
Your mortgage payment is the sum of two things: WIBOR 3M current plus your bank margin. The margin is the bank's earnings – usually an additional 2% to 2.5% to WIBOR's rate. In other words, if WIBOR is 3.85% and the bank has a 2.3% margin, the final interest rate will be 6.15%.
Below you will see how this looks in practice for different loan amounts. We assumed that the repayment period was 25 years and the bank's margin was 2.3%:
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | 1 263 PLN | 178 900 zł |
| PLN 300 000 | PLN 1 894 | PLN 268 350 |
| PLN 400,000 | PLN 2,526 | 357 800 PLN |
| PLN 500,000 | 3 158 PLN | 447 250 zł |
| PLN 700,000 | PLN 4 421 | PLN 626 150 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
Leasing is not only a way for a new car – it is also a business service for companies. The leasing companies that rent cars and machines also make money from banks, and this money costs money. As WIBOR grows, costs for leasing companies are also increasing, which affects the amount of leasing instalments. In other words: today's WIBOR rates are also a notice for anyone who is considering de-leaving a vehicle.
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 047 |
| PLN 100,000 | 48 months | PLN 2,094 |
| PLN 150 000 | 60 months | 2 841 zł |
| PLN 300 000 | 60 months | PLN 5,682 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is the average rate after which Polish banks lend each other money. The name stands for "Warsaw Interbank Offered Rate" – simply "Warsaw interbank rate". Every day at the same time, banks report how much they would like to borrow, and the average of all these prices is calculated. This average is the WIBOR rates you see here. For a normal person, one thing is important: the higher WIBOR, the more expensive you will be paying for credit.
Follow today's rates on digitalnexus.pl
If you want to know how the financial market is changing, visit our portal every day. Here you will always find the current WIBOR rates and we will explain what this means for your pocket. Finance doesn't have to be complicated – we will try to make everything clear and understandable to everyone.
