Euribor rates for all tenors (1M, 3M, 6M, 12M), published monthly by the European Money Markets Institute. Essential reference for variable-rate mortgages across Europe.
Published 11:00 CET daily
4 tenors tracked
Source: ECB / EMMI
Most Used
12-Month Euribor
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All Euribor Rates — Today
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Historical Chart
Track Euribor evolution over time
12-Month Euribor
Historical daily closing rates
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Recent Euribor History
Last 24 months — monthly average rates from ECB
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Understanding Euribor
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What is Euribor?
Euribor (Euro Interbank Offered Rate) is the average interest rate at which Eurozone banks lend to each other. Published daily by the European Money Markets Institute (EMMI), it serves as the key benchmark for euro-denominated financial products.
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Euribor & Your Mortgage
Millions of European homeowners with variable-rate mortgages have their rates tied to Euribor — especially the 12-month tenor. Your bank reviews the rate annually or semi-annually, adjusting your monthly payment based on the current Euribor plus a fixed spread.
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The Four Tenors
Euribor is currently published for 4 maturities: 1 month, 3 months, 6 months, and 12 months. The 12-month Euribor is the most widely referenced for retail mortgages. The 3-month Euribor is commonly used for corporate loans and derivatives.
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Publication Schedule
Euribor rates are published on every TARGET business day at approximately 11:00 CET. The rate is calculated from submissions by a panel of around 18 leading European banks, representing the best market rates in the euro money market.
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Countries Most Affected
Variable-rate mortgages linked to Euribor are most common in Spain, Italy, Portugal, Finland, and Greece. In Spain alone, over 4 million mortgages reference the 12-month Euribor, making it a closely watched economic indicator.
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Euribor vs ECB Rate
While the ECB deposit facility rate sets the floor for short-term rates, Euribor reflects actual market conditions between banks. Euribor typically moves in anticipation of ECB decisions and incorporates credit risk premiums not present in the ECB's policy rate.
Frequently Asked Questions
The current 12-month Euribor rate is shown at the top of this page and is updated daily from ECB official data. Rates are published every business day at approximately 11:00 CET.
If your mortgage has a variable rate, your interest rate is set as Euribor (typically the 12-month tenor) plus a fixed spread determined by your bank — for example, "Euribor + 1%". When Euribor rises, your monthly payment increases; when it falls, your payment decreases. Your bank reviews and adjusts the rate typically once per year, based on the Euribor published around your mortgage's review date.
The 3-month Euribor (EURIBOR3M) is commonly used for corporate loans, interest rate swaps, and financial derivatives. The 12-month Euribor (EURIBOR12M) is the standard reference for variable-rate retail mortgages across Spain, Italy, Portugal and other Eurozone countries. The 12-month rate is usually slightly higher as it reflects a longer lending horizon and higher uncertainty.
Euribor rates are published every TARGET2 business day (banking days in the EU) at approximately 11:00 CET by the European Money Markets Institute (EMMI). On weekends and public holidays there is no publication — the previous business day's rate remains in effect. Our site reflects the most recent published rate from the ECB SDMX API.
After reaching a peak above 4% in late 2023 and early 2024, Euribor has been declining as the ECB cut its policy rates through 2024 and 2025. As of early 2026, the 12-month Euribor is around 2.5–2.8%, down significantly from its highs. The trajectory depends on ECB monetary policy decisions and Eurozone inflation. Use our historical chart above to track the exact evolution.
All rates on this site are fetched directly from the European Central Bank (ECB) Statistical Data Warehouse API (SDMX), which publishes official Euribor data sourced from the European Money Markets Institute (EMMI). This is the same data used by banks, financial institutions, and regulators across the Eurozone.