WIBOR stakes today – May 7, 2026
Today's WIBOR rates have just been published, and we are presenting you with accurate fixation data on 7 May 2026. WIBOR 3M, or the rate that affects most mortgages, today is 3.84 percent. If you have a variable rate mortgage, this information is very important to you. Therefore, we have prepared for you a detailed guide to today's WIBOR rates and what this means in your wallet.
Today's WIBOR rates
WIBOR ON
Rate: 3,52% | Fixing date: 2026-05-07
This is the shortest WIBOR rate – it is valid from today until tomorrow.
WIBOR 1M
Rate: 3.78% | Fixing date: 2026-05-07
One-month rate that banks use for short-term contracts.
WIBOR 3M
Rate: 3.84% | Fixing date: 2026-05-07
This is the principal rate for most mortgage loans at variable interest rates. If you have a loan with a fixed payment linked to WIBOR 3M, this rate determines your monthly amount to be paid. For the average Pole with a mortgage this is the most important number in today's report.
WIBOR 6M
Rate: 3.89% | Fixing date: 2026-05-07
Six-month rate – selected by banks that prefer medium-term periods.
WIBOR 1Y
Rate: 3.93% | Fixing date: 2026-05-07
Annual rate – highest of the group and used mainly in long-term contracts.
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?
If you want to understand how much you will really pay for your mortgage every month, you need to know that the bank adds its margin to WIBOR 3M. This margin is usually between 2 and 2.5 percent, which each bank sets individually. Today's WIBOR 3M of 3.84 percent plus margin Your bank together gives the final interest rate that you see on the repayment schedule.
The following table shows the estimated monthly instalments for the various mortgage loan amounts, assuming WIBOR 3M of 3.84% and an average bank margin of 2.3 percent. The loan is spread over 25 years.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 050 | 115 000 PLN |
| PLN 300 000 | PLN 1 575 | 172 500 zł |
| PLN 400,000 | 2 100 zł | PLN 230 000 |
| PLN 500,000 | PLN 2,625 | 287 500 PLN |
| PLN 700,000 | PLN 3,675 | PLN 402 500 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
The leasing companies also use WIBOR 3M rates to calculate instalments for their customers. If you consider taking a car on a lease, today's WIBOR rate will affect how much you will pay each month. The leasing companies cannot afford to ignore changes in WIBOR rates because they directly influence their financing costs.
The following table shows estimates of leasing payments for different value items, assuming today's WIBOR 3M rate:
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | 950 zł |
| PLN 100,000 | 48 months | 1 900 PLN |
| PLN 150 000 | 60 months | 2 300 PLN |
| PLN 300 000 | 60 months | 4 600 PLN |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR stands for "Warsaw Interbank Offered Rate" – in Polish it means interbank rate offered in Warsaw. In simple terms, it's the interest that banks charge each other for borrowing money. The most important thing is that that's why they count loan and lease payments to ordinary people like you. Therefore, it is worth to track the level of WIBOR rates today – they directly affect your pocket.
Today on the digitalnexus.pl portal you can access the latest WIBOR 3M rates current and all other indicators that the WSE Benchmark publishes. If you want to keep up with interest rate changes and know how the market changes, we invite you to visit our website regularly. Remember – knowledge is power, especially when it comes to money and loans!
