Today, April 7, 2026, we met the latest WIBOR stakes published by the GPW Benchmark – and we have for you all the numbers in one place. WIBOR 3M current today is 3.85%. If you have a variable interest rate mortgage, this rate directly affects the amount of your monthly instalment. Stay with us – below you will find everything you need to know, given as simply as possible.
WIBOR stakes today – April 7, 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.62% | Fixing date: 2026-04-07
That's the rate for literally one night – banks borrow money short enough.
WIBOR 1M
Rate: 3.79% | Fixing date: 2026-04-07
This rate applies to loans between banks for one month.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-04-07
WIBOR 3M is definitely the most important stake for ordinary Kowalski with a mortgage. Most of the banks in Poland are crediting the interest on housing loans. If you have a variable rate loan, every three months the bank checks the current WIBOR 3M and calculates it Your payment.
WIBOR 6M
Rate: 3.90% | Fixing date: 2026-04-07
Some banks use this rate for mortgages – then the interest rate is updated every six months.
WIBOR 1Y
Rate: 3.94% | Fixing date: 2026-04-07
This is the annual rate – the least variable of all, updated once a year.
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 usually WIBOR 3M plus a bank margin, which is usually between 2 and 2.5%. This means that today WIBOR 3M at 3.85% of the total interest rate of your loan may be around 5.85% to 6.35% – depending on the agreement with the bank. Below you will find a table with examples of instalments for various loan amounts, calculated at a rate of 6.10% and a repayment period of 25 years.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 303 | PLN 190 900 |
| PLN 300 000 | PLN 1,955 | 286 500 PLN |
| PLN 400,000 | PLN 2,606 | PLN 381 800 |
| PLN 500,000 | PLN 3 258 | 477 400 PLN |
| PLN 700,000 | 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 dependant on WIBOR – leasing companies also look at these rates when they set installments for a car or company equipment. Simply put, when WIBOR grows, leasing payments can be higher and when it falls lower. The following are examples of estimated lease payments at current WIBOR rates, assuming a standard margin and a 10% own payment.
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 080 |
| PLN 100,000 | 48 months | 2 160 PLN |
| PLN 150 000 | 60 months | 2 890 zł |
| PLN 300 000 | 60 months | PLN 5,780 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply the rate at which banks in Poland lend each other money. The banks set this rate together daily and then use it as a benchmark for determining the interest rate on loans to customers – such as you. In short, the higher WIBOR, the more expensive the mortgage, and vice versa.
You want to keep up with the current WIBOR rates? Look at digitalnexus.pl every day – we publish the results of every fixing immediately after their announcement. Fingers crossed for your wallet and I'll see you tomorrow!
