WIBOR stakes today – May 8, 2026
Today's WIBOR rates have been officially published by GPW Benchmark, and we have prepared a full overview of all current fixings for you. WIBOR 3M, the most important for most borrowers, is 3.84% today. This means that if you have a mortgage, its interest rate changes with changes in that rate. Read what has changed and how it will affect your wallet.
Today's WIBOR rates
WIBOR ON
Rate: 3.76% | Fixing date: 2026-05-08
This is the rate per day – the smallest period, used mainly by investors and large companies.
WIBOR 1M
Rate: 3.80 % | Fixing date: 2026-05-08
A one-month rate that tells of the approximate cost of borrowing money a month ahead.
WIBOR 3M
Rate: 3.84% | Fixing date: 2026-05-08
This is the most important rate for Polish borrowers. Most banks associate the mortgage interest rate with it. WIBOR 3M today determines how much you pay interest on your loan. That's what you're watching when you wonder if your payment will change next month.
WIBOR 6M
Rate: 3.89% | Fixing date: 2026-05-08
Half-year rate – lower risk to banks, so slightly higher than 3M but still offered by some institutions.
WIBOR 1Y
Rate: 3.93% | Fixing date: 2026-05-08
Annual rate – for those who want greater stability and predictability of interest rates for a longer time.
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 the sum of WIBOR and the bank's margin – an additional fee that the bank charges. Usually this margin is between 2 and 2.5%, but each bank has its own percentage. When WIBOR changes, your entire interest rate changes immediately, and thus your monthly payment.
Below you will see how many indicative instalments will be made for various loan amounts at today's WIBOR 3M of 3.84%, assuming a bank margin of 2.3%. The credit spread over 30 years is 360 months of repayment.
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | PLN 1 070 | 185 200 zł |
| PLN 300 000 | PLN 1 605 | 277 800 PLN |
| PLN 400,000 | 2 140 PLN | 370 400 zł |
| PLN 500,000 | PLN 2,675 | PLN 463 000 |
| PLN 700,000 | PLN 3,745 | PLN 648 200 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
You may not know, but WIBOR is not just about hippy – it also affects car leasing payments and corporate equipment. leasing companies also borrow money from banks and pay interest on them. As WIBOR grows, their funding costs increase, and this translates into higher instalments for us. It works both ways – when WIBOR falls, leasing companies can sometimes lower their rates.
The following are examples of leasing instalments at present market conditions:
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | 1 145 PLN |
| PLN 100,000 | 48 months | 2 290 PLN |
| PLN 150 000 | 60 months | PLN 2,670 |
| PLN 300 000 | 60 months | PLN 5 340 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR stands for "Warsaw Interbank Offered Rate" – in short: the rate at which banks borrow money among themselves in Poland. This is not an imaginary number – it is based on actual transactions that banks carry out every day. If the banks themselves pay the same interest rate, then as a simple borrower, you also pay the same – only the bank will add its margin. That way, the bank will always make money, and you always know where you stand.
Today, May 8, 2026, all WIBOR rates remain relatively stable. WIBOR 3M current is 3.84%, which means that if you have a variable mortgage, Your payment will be based on that number.
Tracking WIBOR rates each day
If you have a variable rate mortgage, WIBOR is your reality. Every day when banks set new rates, your wallet feels it. Therefore, it is worth knowing where to search for current information. The digitalnexus.pl portal publishes daily WIBOR rates so that you will always have access to the latest data without looking elsewhere. Look at us regularly – you will definitely need this information when you plan your home or business future.
