Euribor today
Daily Euribor fixings, monthly averages and what they mean for your mortgage.
| All maturities | Rate | Change | Month average so far | 12-month trend |
|---|---|---|---|---|
| 1-week Euribor | 2.411 % | -0.018 pp | 2.432 % | |
| 1-month Euribor | 2.453 % | +0.009 pp | 2.435 % | |
| 3-month Euribor | 2.634 % | +0.002 pp | 2.618 % | |
| 6-month Euribor | 2.905 % | +0.013 pp | 2.959 % | |
| 12-month Euribor | 3.191 % | +0.014 pp | 3.217 % |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
12-month Euribor: last 10 fixings
| Date | Rate | Change |
|---|---|---|
| 3.191 % | +0.014 pp | |
| 3.177 % | -0.014 pp | |
| 3.191 % | -0.022 pp | |
| 3.213 % | +0.019 pp | |
| 3.194 % | +0.017 pp | |
| 3.177 % | -0.009 pp | |
| 3.186 % | -0.137 pp | |
| 3.323 % | +0.020 pp | |
| 3.303 % | -0.026 pp | |
| 3.329 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Monthly averages of every tenor, last 12 months
| Month | 1W | 1M | 3M | 6M | 12M |
|---|---|---|---|---|---|
| October 2026 | 2.432 % | 2.435 % | 2.618 % | 2.959 % | 3.217 % |
| September 2026 | 2.289 % | 2.414 % | 2.635 % | 2.922 % | 3.247 % |
| August 2026 | 2.149 % | 2.221 % | 2.513 % | 2.713 % | 2.954 % |
| July 2026 | 2.146 % | 2.214 % | 2.425 % | 2.647 % | 2.855 % |
| June 2026 | 1.992 % | 2.146 % | 2.339 % | 2.596 % | 2.798 % |
| May 2026 | 1.891 % | 1.957 % | 2.225 % | 2.536 % | 2.803 % |
| April 2026 | 1.907 % | 1.971 % | 2.175 % | 2.454 % | 2.747 % |
| March 2026 | 1.900 % | 1.933 % | 2.109 % | 2.322 % | 2.565 % |
| February 2026 | 1.890 % | 1.952 % | 2.011 % | 2.144 % | 2.221 % |
| January 2026 | 1.895 % | 1.960 % | 2.028 % | 2.136 % | 2.245 % |
| December 2025 | 1.918 % | 1.917 % | 2.050 % | 2.141 % | 2.268 % |
| November 2025 | 1.914 % | 1.906 % | 2.042 % | 2.131 % | 2.217 % |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Euribor (Euro Interbank Offered Rate) is the reference rate behind most variable-rate mortgages in Spain, Italy, Portugal, Finland, the Netherlands and Austria. The five maturities below are the fixings of 13 October 2026: the 12-month rate is the one most household loans follow, the 3-month rate is common in Italy and Austria, and the 1-week and 1-month rates track ECB policy most closely.
All values are published one business day after the fixing, official ECB / Eurosystem data cross-checked monthly against the ECB Data Portal. Use the maturity pages for history, the monthly pages for revision averages, and the calculator to translate a change into euros per month.
Every number on this page is an official published fixing, not an estimate: daily values are the Euribor fixings as published in the ECB / Eurosystem's official statistics, monthly averages are the arithmetic mean of those fixings and are cross-checked against the ECB Data Portal, and the tables are refreshed every business day after the previous day's fixing appears. Tenors use the ACT/360 convention. Where a monthly average differs from the ECB figure by more than a hundredth of a point the methodology page lists the case.
Frequently asked questions
What is Euribor today?
On 13 October 2026 the Euribor fixings were: 1-week Euribor 2.411 %, 1-month Euribor 2.453 %, 3-month Euribor 2.634 %, 6-month Euribor 2.905 %, 12-month Euribor 3.191 %. The 12-month Euribor changed by +0.014 pp from the previous business day. This site publishes the official figures with a 24-hour delay.
What is the Euribor monthly average for October?
With 9 business days fixed so far, the 12-month Euribor averages 3.217 % in October; September 2026 closed at 3.247 %. Many loan contracts use a monthly average rather than one day's fixing.
Is Euribor going up or down?
Over the past year the 12-month Euribor has moved from 2.201 % to 3.191 % (+0.990 pp); over the past month, +0.031 pp. The longer tenors price in expected ECB decisions: today the 12-month rate minus the 1-week rate is +0.780 pp.
What is the Euribor forecast?
This site makes no forecast of its own. The curve on 13 October 2026 implies a 3-month Euribor of 3.155 % in three months and 3.536 % in nine months, and a 6-month Euribor of 3.425 % in six months. These are implied forward rates that include a term premium, not predictions.
When is the next ECB meeting?
The next ECB monetary policy meeting is on 29 October 2026. The shortest Euribor tenors follow the ECB's deposit rate closely; the longer ones move ahead of its decisions, as the market prices them in.
What were the highest and lowest Euribor rates?
Since 2006 the 12-month Euribor has fixed as high as 5.526 % (2 October 2008) and as low as -0.518 % (20 December 2021).