The switch is neutral by design: a corrective spread bridges the level difference, so your instalment barely moves. Check it on your own numbers.
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.
We'll send the PDF and let you know when market conditions change — e.g. after an NBP decision or when your bank cuts its margin.
Moving to POLSTR does not save on its own. Real savings come from refinancing — see how much you could gain.
We track the banks' announcements. Below is what is already known, with the date and the scope of the change.
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 is first to switch home loans. POLSTR 1M Compounded replaces 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.
This applies to new contracts only. If you already hold a PKO mortgage, nothing changes for you on 3 September — moving existing contracts is a separate process, described below.
Subscribe and we will alert you when your bank announces the POLSTR switch or when a refinancing opportunity appears.
Turn on monitoringNo. The switch is neutral by design — a corrective spread bridges the level difference, so the instalment stays close.
A value added at the switch that offsets the difference between WIBOR and POLSTR at that moment, keeping the effect neutral.
Usually not — the bank notifies you. Details depend on your contract; if in doubt, consult an adviser.
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. · As of: 2026-09-01 · Source: gpwbenchmark.pl
