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Euribor 12 Months Today

The 12-month Euribor is the most watched interbank rate in the Eurozone: it is the reference index for millions of variable-rate mortgages in Spain, Italy, Portugal and beyond. On this page you'll find today's official value — 2.693% as of 6 Jul 2026 — plus recent daily fixings and a chart, all sourced from EMMI/ECB data.

1-Month Euribor3-Month Euribor6-Month Euribor12-Month Euribor
Current rate
12-Month Euribor
2.693%
↓ -0.016% vs prev. day
Published: 6 Jul 2026
Historical chart
Recent daily values
Recent values — 12-Month Euribor
Daily fixings, official EMMI/ECB data
DateRateChange
6 Jul 20262.693%↓ -0.016
3 Jul 20262.709%↓ -0.024
2 Jul 20262.733%↑ +0.006
1 Jul 20262.727%↓ -0.001
30 Jun 20262.728%↓ -0.004
29 Jun 20262.732%↓ -0.032
26 Jun 20262.764%↓ -0.021
25 Jun 20262.785%↑ +0.004
24 Jun 20262.781%↓ -0.036
23 Jun 20262.817%→ +0.000
12-Month Euribor
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Why it matters for your mortgage
Most variable-rate mortgages in Southern Europe are priced as "12-month Euribor + spread". Your bank takes the Euribor value published on (or near) your annual review date and adds its fixed margin. A 0.5 point move on a €150,000 loan over 25 years changes the monthly payment by roughly €35–40.
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Annual review mechanics
Because the tenor is 12 months, your rate is typically reset once a year. That makes the *monthly average* of the 12-month Euribor especially important: many countries (e.g. Spain) use the monthly average, not the daily fixing, for mortgage reviews.
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How it compares to other tenors
The 12-month rate is normally the highest of the four Euribor tenors, since lending for a year carries more uncertainty than lending for one or three months. When markets expect ECB rate cuts, the 12-month Euribor can fall below shorter tenors — an inverted curve.
Frequently asked questions
Today's official 12-month Euribor is shown at the top of this page — 2.693% as of 6 Jul 2026. It is updated every TARGET2 business day at about 11:00 CET.
It depends on your country and contract. In Spain the Bank of Spain publishes an official monthly average of the 12-month Euribor, which is what most mortgage deeds reference. Other markets may use the fixing on a specific date.
A longer lending horizon carries more interest-rate and credit uncertainty, so banks demand a premium. In normal conditions the curve slopes upward: 1M < 3M < 6M < 12M.
From the European Money Markets Institute (EMMI) via the European Central Bank's statistical warehouse — the same official series used by banks and regulators.