12-month Euribor · last published fixing

3.108 %

Date of fixing: 2026-09-05 · Source feed: irph.es / EMMI

Daily fixing
3.108 %

2026-09-05

Month-to-date average
3.084 %

Until 2026-09-05 · 5 fixings

Last closed month
2.954 %

2026-08

Current 12-month Euribor rate

This page shows the latest 12-month Euribor figure, the average so far this month, and the last completed monthly average. The same series is used on most euro variable-rate home loans.

Euribor is an interest rate, published as a percentage. It is not a currency exchange rate. The official administrator is EMMI. The tables below come from the public 12-month feed also used by irph.es.

What to copy for a mortgage review: read your contract. In most cases you need the monthly average of 12-month Euribor for a named month — not only today’s daily figure.

This month — daily 12-month fixings

Date12-month fixing

History from January 1999 — monthly 12-month averages

Monthly averages start in January 1999. Hover or tap a point on the line to see the month and the rate. We do not add extra years that are not in the file.

The three figures at the top

Daily fixing is the last published 12-month Euribor rate. It usually appears on business days around 11:00 Central European Time. There is no new rate on Saturdays, Sundays or TARGET holidays.

Month-to-date average is the simple average of this month’s daily rates so far. It is a preview. It is not the official monthly figure until the month has ended.

Last closed month is the finished monthly average. That is the figure most variable euro mortgages use when the contract says “12-month Euribor of [month]”.

If your review letter names a month, copy that month’s average — not only the large daily number at the top of this page.

If your loan is in US dollars, Euribor is probably the wrong index. See Euribor versus SOFR. If your loan is in euro and names 12-month Euribor, start here and then open how Euribor changes a loan payment.

This site only publishes the 12-month series from the feed we use. Other tenors exist at EMMI. We do not invent 1-month or 3-month live tables without that data.

The calculators use a standard repayment formula (equal monthly payments). They are a guide. Your bank may add fees or insurance that the tool does not include. If you only need to know which number to write down, use current Euribor rate.

Tools

Loan impact
What a rate move does to a payment Rate + spread
Build an all-in coupon Compare two dates
Change between two fixings Month average
Rebuild a month from daily prints Point change
Year-ago vs latest month Stress cases
+1% / +2% on a loan Payment delta
€ change for +0.25 / +0.50 points Max loan
Principal that fits a monthly budget

Read next

What is Euribor? · Current Euribor rate · How it affects a loan · How it is calculated · vs €STR · vs SOFR · Forecasts