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Mariusz Krzysiek Mortgage expert at NOTUS Finanse S.A. Language of the call: English, Polish.

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Good to know before the call

  • Free — 0 zł for you. The intermediary is paid by the bank that grants the loan — not by you.
  • The call is from a credit expert of NOTUS Finanse S.A. — a mortgage credit intermediary in the KNF register under number RPH000030.
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  • On the call: which bank, what amount and on what terms, what to improve and which documents to prepare.
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Index change

POLSTR instead of WIBOR — what changes in your instalment?

The switch is neutral by design: a corrective spread bridges the level difference, so your instalment barely moves.

Current WIBOR and POLSTR values are published by their administrator, GPW Benchmark. We do not repeat them here: redistributing this data requires a separate licence agreement with the administrator.

What actually lowers your instalment

Moving to POLSTR does not save on its own. Real savings come from refinancing — see how much you could gain.

Calculate refinancing →

Which banks have already announced the switch

We track the banks' announcements. Below is what is already known, with the date and the scope of the change.

PKO Bank Polski and PKO Bank Hipoteczny 3 September 2026 new loans only

The first bank to move mortgages to POLSTR. The index itself appeared earlier — Pekao launched a current-account credit on it in November 2025 — but PKO was first to switch home loans. POLSTR 1M Compounded replaced WIBOR.

The rate is recalculated every month rather than every 3 or 6 months. When the NBP cuts rates, your payment falls the following month — and it rises just as quickly after a hike.

The change applied to new contracts only. If your PKO mortgage was signed earlier, nothing changed in it on 3 September — moving existing contracts is a separate process, described below.

Your timeline — what to expect

1
Your bank announces the switch date
Your bank will state when it moves contracts to POLSTR. We track those announcements for you.
2
You get an annex or notice
You will receive a notice about the index change and the corrective spread. Usually you sign nothing.
3
Instalment recalculated neutrally
The new instalment is computed so the effect stays close to the current one.
4
Disagree?
You are entitled to information about the terms. If in doubt, consult an adviser.

Track rates and the switch

Subscribe and we will alert you when your bank announces the POLSTR switch or when a refinancing opportunity appears.

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Frequently asked questions

Will switching WIBOR to POLSTR raise my instalment?

No. The switch is neutral by design — a corrective spread bridges the level difference, so the instalment stays close.

What is the corrective spread?

A value added at the switch that offsets the difference between WIBOR and POLSTR at that moment, keeping the effect neutral.

Do I have to sign anything?

Usually not — the bank notifies you. Details depend on your contract; if in doubt, consult an adviser.

How do I actually lower my instalment?

Most often by refinancing to a bank with a lower margin. Use the refinancing calculator.

This information is educational and is not investment or legal advice. Terms depend on your contract and bank. · Source: gpwbenchmark.pl