Today's WIBOR rates have been published by the GPW Benchmark, and the most important of them are WIBOR 3M current, which is 3.84 percent. If you have a mortgage with interest related to WIBOR, then this rate has a direct impact on your interest rate. Changes in WIBOR rates may mean that you will pay more or less each month. In this article, we will explain to you what all this means and how it works in practice.
WIBOR stakes today – May 6, 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.45% | Fixing date: 2026-05-06
This is the shortest WIBOR rate – it changes literally every day and serves for very short-term financial operations.
WIBOR 1M
Rate: 3.78% | Fixing date: 2026-05-06
This rate is calculated for one month – banks use it for quick loans between themselves.
WIBOR 3M
Rate: 3.84% | Fixing date: 2026-05-06
That's the WIBOR 3M rate you should know if you have a mortgage. Most housing loans in Poland are linked to WIBOR for three months. As the stakes rise, your credit rate increases.
WIBOR 6M
Rate: 3.90% | Fixing date: 2026-05-06
This rate applies to six months – some loans are linked to it, although by far less than WIBOR 3M.
WIBOR 1Y
Rate: 3.94% | Fixing date: 2026-05-06
This is the annual rate – mainly used in long-term agreements between banks.
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 interest rate consists of two parts: WIBOR 3M current and bank margin. The margin is usually between 2 and 2.5 percent – this is the bank's profit for lending you. As WIBOR grows, your combined percentage also increases, and hence your monthly instalment.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | 1 145 PLN | 54 200 zł |
| PLN 300 000 | PLN 1,718 | PLN 81 300 |
| PLN 400,000 | 2 290 PLN | 108 400 zł |
| PLN 500,000 | PLN 2,863 | 135 500 zł |
| PLN 700,000 | 4 008 PLN | PLN 189 700 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
Today's WIBOR rates are not just about mortgages. The leasing companies that rent cars also base their prices on WIBOR. As the stakes rise, there is also an increase in payment for car rental. Therefore, if you are thinking about taking the car on a lease, it is worth to follow how WIBOR is shaped at a given moment.
| 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 | 2 850 PLN |
| PLN 300 000 | 60 months | PLN 5 700 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR stands for the English word "Warsaw Interbank Offered Rate" – the Warsaw rate offered between banks. Simply put: this is the average interest rate, after which Polish banks borrow money among themselves. WIBOR rates today and every day are published, and banks use them as a benchmark to determine interest rates for their customers – i.e. for people like you. The higher the WIBOR rate, the more expensive the credit for you.
Tracking WIBOR rates is a simple way to know what is going on with your mortgage and other related finances. If you want to keep up with today's WIBOR stakes and their changes, look at the digitalnexus.pl portal – daily we publish the current data directly from the source. Remember that changes in WIBOR can be both beneficial and unfavourable for you – everything depends on the direction in which they move. Stay up to date and make informed financial decisions!
