Today, on April 8, 2026, official WIBOR rates were published – check out what new brings today's fixing. Today, WIBOR 3M current ratings are exactly 3.84%. If you have a variable interest rate mortgage, this figure directly affects how much you pay the bank every month. Stay with us – below we will explain everything in English, without any complicated words.
WIBOR stakes today – April 8, 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.61% | Fixing date: 2026-04-08
This is the rate for literally one day – banks lend each other money literally for one day.
WIBOR 1M
Rate: 3.80 % | Fixing date: 2026-04-08
This rate applies to loans between banks for one month.
WIBOR 3M
Rate: 3.84% | Fixing date: 2026-04-08
It is WIBOR 3M that current quotations are the most important for most borrowers in Poland. If you have a mortgage with an interest rate based on WIBOR 3M, Your bank is looking at this number every three months and counting your payment on it. Today this rate is 3.84% – it is worth remembering.
WIBOR 6M
Rate: 3.88% | Fixing date: 2026-04-08
The six-month rate is slightly higher – part of the banks base interest on loans, meaning that the instalment is converted every six months.
WIBOR 1Y
Rate: 3.91% | Fixing date: 2026-04-08
The longest of the presented terms – an annual rate worth paying attention to for longer 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?
The interest rate on the mortgage loan is two components in the simplified form: WIBOR 3M plus the bank margin, which is usually between 2 and 2.5%. So if WIBOR 3M is 3.84% today and your bank has a 2.2% margin, then your interest rate is about 6.04% – and that's what depends on how much you pay per month.
Below you will find an indicative calculation of the instalments for the various mortgage credit amounts assuming interest rates of 6.04% and a repayment period of 25 years.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 289 | 186 700 zł |
| PLN 300 000 | PLN 1,934 | 280 200 PLN |
| PLN 400,000 | PLN 2 578 | PLN 373 400 |
| PLN 500,000 | 3 223 PLN | PLN 466 900 |
| PLN 700,000 | PLN 4 512 | PLN 653 600 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
Not only is mortgage credit linked to WIBOR – leasing companies also take into account current WIBOR rates when establishing their offers. This means that when WIBOR rates increase, leasing payments can be slightly higher, and when rates fall – you have a chance at a lower monthly burden. If you plan to take a lease on a car or company equipment, it is worth tracking what is happening with WIBOR today and in subsequent weeks.
Below you will find indicative leasing instalments for selected amounts at today's WIBOR rates, assuming own contribution of 10% and final redemption of 1%.
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 020 |
| PLN 100,000 | 48 months | 2 040 zł |
| PLN 150 000 | 60 months | PLN 2,530 |
| PLN 300 000 | 60 months | 5 060 zł |
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 higher WIBOR, the more expensive it costs such a "bank loan between banks" – and the more we ordinary people pay for our mortgages and other loans. It's kind of like a thermometer for the price of money in Poland.
Look at digitalnexus.pl every day – here you will find the current WIBOR rates every working day, always given in human terms and without unnecessary confusion. See you tomorrow – and keep an eye on your finances!
