TSUE Judgment on WIBOR – Key Implications for the Polish Banking and Litigation Landscape

On 12 February 2026, the Court of Justice of the European Union (CJEU)  issued its long-awaited judgment concerning WIBOR-based interest clauses in consumer loan agreements.

The Court confirmed that clauses referencing WIBOR may be assessed under Directive 93/13 on unfair terms in consumer contracts. Importantly, the Court clarified that:

• The mere use of WIBOR benchmark does not automatically render a clause unfair
• Banks are not required to disclose the technical methodology of the benchmark
• Contractual terms must nevertheless satisfy the transparency requirement
• The final assessment of fairness remains within the competence of national courts

From a practical perspective, the judgment does not invalidate WIBOR mechanisms but significantly shapes the framework within which Polish courts will evaluate transparency and consumer protection arguments.

The ruling is expected to influence ongoing and future litigation, particularly in cases challenging variable interest rate structures.

REVERA Polska continues to monitor and analyze the evolving jurisprudence and its implications for financial institutions, investors, and borrowers.

Author: Aleksander Skirpan.