Today, April 9, 2026, official WIBOR rates designated by the WSE Benchmark were published – and we have for you all the most important numbers in one place. WIBOR 3M current listing today is 3.85%. If you have a variable-rate mortgage, this value directly affects how much you pay the bank every month. Stay with us – we explain everything simply and in English.
WIBOR stakes today – 9 April 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.60% | Fixing date: 2026-04-09
This is the shortest rate – it concerns day-to-day loans between banks and rarely directly affects your portfolio.
WIBOR 1M
Rate: 3.81% | Fixing date: 2026-04-09
Monthly rate – used less than 3M, but worth knowing for comparison.
WIBOR 3M
Rate: 3.85% | Fixing date: 2026-04-09
It is this rate that most Poles are interested in paying off the mortgage. Most banks in Poland have based interest rates on residential loans on WIBOR 3M – this means that every three months the bank can recalculate your payment. WIBOR 3M current data for today is 3.85% – remember this number, because it is most often mentioned.
WIBOR 6M
Rate: 3.88% | Fixing date: 2026-04-09
This rate applies to loans where the bank updates the interest rate every six months. If you have such a loan, your payment changes less frequently, but depends on that rate.
WIBOR 1Y
Rate: 3.90% | Fixing date: 2026-04-09
Annual WIBOR rate – the longest value published today, used in some financial products.
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 the sum of two components: the current WIBOR 3M and the bank margin, which is usually between 2 and 2.5%. With today's WIBOR 3M of 3.85%, the total interest rate of credit can therefore be around 5.85% to 6.35% – depending on the contract you signed with your bank.
Below you will find sample, estimated monthly instalments for different loan amounts. We accepted a total interest rate of 6.10% (WIBOR 3M 3.85% + margin 2.25%) 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 1,954 | 286 200 PLN |
| PLN 400,000 | PLN 2,606 | PLN 381 800 |
| PLN 500,000 | 3 257 PLN | PLN 477 100 |
| PLN 700,000 | PLN 4 560 | PLN 668,000 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
Not only do mortgages feel changes in WIBOR rates – leasing companies also use them to determine the prices of their offers. If you lease a company car or machinery for work, WIBOR rates affect how much you pay to the leasing company every month. The higher the WIBOR, the lessor may be slightly higher – and vice versa.
The following are a few examples of estimated leasing instalments with the assumption of own 10% and interest rates based on current market rates.
| 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 | PLN 2,790 |
| PLN 300 000 | 60 months | PLN 5,580 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR is simply an interest rate after which banks in Poland lend each other money. When the bank grants you a variable-rate mortgage loan, it takes WIBOR as its starting point and adds its margin – and so your installment arises. In other words, the higher WIBOR today, the more expensive the credit – and vice versa.
Check out digitalnexus.pl every day – here you will find the current WIBOR rates every working day, immediately after their official publication by GPW Benchmark. Thank you for being with us – see you tomorrow!
