12-month Euribor in 2023
In 2023 the 12-month Euribor averaged 3.869 %. It started the year at 3.316 %, ended at 3.513 %, and moved between a low of 3.300 % (19 January 2023) and a high of 4.228 % (29 September 2023). Compared with 2022, the yearly average was up +2.747 pp.
The table lists every monthly average of 2023, which is the figure most mortgage contracts use for a revision, followed by the daily fixings that make up those averages. Values before 2006 are the ECB's official monthly averages, because daily fixings from the Bank of Finland series start in January 2006.
In 2023 the monthly averages of the 12-month Euribor were: January 3.337 %, February 3.534 %, March 3.647 %, April 3.757 %, May 3.862 %, June 4.007 %, July 4.149 %, August 4.073 %, September 4.149 %, October 4.160 %, November 4.022 %, December 3.679 %.
Every number on this page is a published fixing, not an estimate: daily values come from the Bank of Finland's copy of the Euribor series, monthly averages are the arithmetic mean of those fixings and are cross-checked against the ECB Data Portal, and the tables are rebuilt each 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.
2023
Source: Bank of Finland. Published with a 24-hour delay.
Months
| Month | Average | Low | High | First | Last | Days | ECB avg |
|---|---|---|---|---|---|---|---|
| January | 3.337 % | 3.300 % | 3.413 % | 3.316 % | 3.413 % | 22 | 3.337 % |
| February | 3.534 % | 3.374 % | 3.725 % | 3.414 % | 3.725 % | 20 | 3.534 % |
| March | 3.647 % | 3.322 % | 3.978 % | 3.745 % | 3.622 % | 23 | 3.647 % |
| April | 3.757 % | 3.578 % | 3.900 % | 3.651 % | 3.880 % | 18 | 3.757 % |
| May | 3.862 % | 3.770 % | 3.982 % | 3.822 % | 3.939 % | 22 | 3.862 % |
| June | 4.007 % | 3.875 % | 4.147 % | 3.875 % | 4.134 % | 22 | 4.007 % |
| July | 4.149 % | 4.064 % | 4.193 % | 4.145 % | 4.064 % | 21 | 4.149 % |
| August | 4.073 % | 4.045 % | 4.116 % | 4.076 % | 4.102 % | 23 | 4.073 % |
| September | 4.149 % | 4.049 % | 4.228 % | 4.055 % | 4.228 % | 21 | 4.149 % |
| October | 4.160 % | 4.052 % | 4.212 % | 4.198 % | 4.052 % | 22 | 4.160 % |
| November | 4.022 % | 3.926 % | 4.064 % | 4.044 % | 3.926 % | 22 | 4.022 % |
| December | 3.679 % | 3.513 % | 3.902 % | 3.902 % | 3.513 % | 19 | 3.679 % |
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 3.513 % | -0.023 pp | |
| 3.536 % | -0.018 pp | |
| 3.554 % | -0.027 pp | |
| 3.581 % | -0.001 pp | |
| 3.582 % | -0.020 pp | |
| 3.602 % | -0.033 pp | |
| 3.635 % | +0.022 pp | |
| 3.613 % | -0.031 pp | |
| 3.644 % | -0.075 pp | |
| 3.719 % | -0.039 pp | |
| 3.758 % | +0.004 pp | |
| 3.754 % | +0.003 pp | |
| 3.751 % | +0.026 pp | |
| 3.725 % | -0.002 pp | |
| 3.727 % | -0.001 pp | |
| 3.728 % | -0.057 pp | |
| 3.785 % | -0.009 pp | |
| 3.794 % | -0.108 pp | |
| 3.902 % | -0.024 pp | |
| 3.926 % | -0.057 pp | |
| 3.983 % | -0.032 pp | |
| 4.015 % | -0.042 pp | |
| 4.057 % | +0.001 pp | |
| 4.056 % | +0.022 pp | |
| 4.034 % | +0.018 pp | |
| 4.016 % | -0.007 pp | |
| 4.023 % | +0.008 pp | |
| 4.015 % | +0.024 pp | |
| 3.991 % | -0.042 pp | |
| 4.033 % | +0.005 pp | |
| 4.028 % | -0.036 pp | |
| 4.064 % | +0.024 pp | |
| 4.040 % | 0.000 pp | |
| 4.040 % | +0.012 pp | |
| 4.028 % | +0.001 pp | |
| 4.027 % | -0.001 pp | |
| 4.028 % | +0.006 pp | |
| 4.022 % | +0.018 pp | |
| 4.004 % | -0.008 pp | |
| 4.012 % | -0.032 pp | |
| 4.044 % | -0.008 pp | |
| 4.052 % | -0.026 pp | |
| 4.078 % | -0.026 pp | |
| 4.104 % | -0.024 pp | |
| 4.128 % | +0.010 pp | |
| 4.118 % | -0.036 pp | |
| 4.154 % | +0.009 pp | |
| 4.145 % | -0.040 pp | |
| 4.185 % | +0.001 pp | |
| 4.184 % | -0.012 pp | |
| 4.196 % | +0.036 pp | |
| 4.160 % | -0.012 pp | |
| 4.172 % | +0.001 pp | |
| 4.171 % | +0.009 pp | |
| 4.162 % | +0.017 pp | |
| 4.145 % | -0.010 pp | |
| 4.155 % | -0.032 pp | |
| 4.187 % | -0.007 pp | |
| 4.194 % | -0.018 pp | |
| 4.212 % | 0.000 pp | |
| 4.212 % | +0.004 pp | |
| 4.208 % | +0.010 pp | |
| 4.198 % | -0.030 pp | |
| 4.228 % | +0.007 pp | |
| 4.221 % | +0.021 pp | |
| 4.200 % | +0.001 pp | |
| 4.199 % | -0.009 pp | |
| 4.208 % | -0.005 pp | |
| 4.213 % | -0.011 pp | |
| 4.224 % | +0.002 pp | |
| 4.222 % | +0.006 pp | |
| 4.216 % | +0.025 pp | |
| 4.191 % | +0.022 pp | |
| 4.169 % | +0.010 pp | |
| 4.159 % | +0.047 pp | |
| 4.112 % | +0.009 pp | |
| 4.103 % | +0.022 pp | |
| 4.081 % | -0.005 pp | |
| 4.086 % | +0.008 pp | |
| 4.078 % | +0.027 pp | |
| 4.051 % | -0.017 pp | |
| 4.068 % | +0.019 pp | |
| 4.049 % | -0.006 pp | |
| 4.055 % | -0.047 pp | |
| 4.102 % | +0.037 pp | |
| 4.065 % | -0.009 pp | |
| 4.074 % | +0.004 pp | |
| 4.070 % | +0.025 pp | |
| 4.045 % | -0.003 pp | |
| 4.048 % | -0.034 pp | |
| 4.082 % | -0.024 pp | |
| 4.106 % | +0.024 pp | |
| 4.082 % | -0.009 pp | |
| 4.091 % | -0.004 pp | |
| 4.095 % | -0.021 pp | |
| 4.116 % | +0.025 pp | |
| 4.091 % | +0.015 pp | |
| 4.076 % | +0.020 pp | |
| 4.056 % | +0.004 pp | |
| 4.052 % | -0.001 pp | |
| 4.053 % | -0.012 pp | |
| 4.065 % | +0.010 pp | |
| 4.055 % | +0.010 pp | |
| 4.045 % | -0.007 pp | |
| 4.052 % | -0.029 pp | |
| 4.081 % | +0.005 pp | |
| 4.076 % | +0.012 pp | |
| 4.064 % | -0.047 pp | |
| 4.111 % | -0.029 pp | |
| 4.140 % | +0.026 pp | |
| 4.114 % | 0.000 pp | |
| 4.114 % | -0.044 pp | |
| 4.158 % | -0.004 pp | |
| 4.162 % | +0.021 pp | |
| 4.141 % | +0.020 pp | |
| 4.121 % | -0.039 pp | |
| 4.160 % | +0.010 pp | |
| 4.150 % | +0.016 pp | |
| 4.134 % | -0.040 pp | |
| 4.174 % | -0.017 pp | |
| 4.191 % | +0.007 pp | |
| 4.184 % | -0.006 pp | |
| 4.190 % | -0.003 pp | |
| 4.193 % | +0.038 pp | |
| 4.155 % | -0.010 pp | |
| 4.165 % | +0.001 pp | |
| 4.164 % | +0.019 pp | |
| 4.145 % | +0.011 pp | |
| 4.134 % | +0.031 pp | |
| 4.103 % | -0.016 pp | |
| 4.119 % | +0.025 pp | |
| 4.094 % | +0.002 pp | |
| 4.092 % | -0.055 pp | |
| 4.147 % | +0.036 pp | |
| 4.111 % | +0.023 pp | |
| 4.088 % | +0.006 pp | |
| 4.082 % | +0.036 pp | |
| 4.046 % | +0.026 pp | |
| 4.020 % | +0.055 pp | |
| 3.965 % | +0.021 pp | |
| 3.944 % | +0.002 pp | |
| 3.942 % | +0.004 pp | |
| 3.938 % | +0.010 pp | |
| 3.928 % | -0.008 pp | |
| 3.936 % | +0.013 pp | |
| 3.923 % | +0.009 pp | |
| 3.914 % | +0.030 pp | |
| 3.884 % | +0.009 pp | |
| 3.875 % | 0.000 pp | |
| 3.875 % | -0.064 pp | |
| 3.939 % | -0.026 pp | |
| 3.965 % | -0.017 pp | |
| 3.982 % | +0.027 pp | |
| 3.955 % | +0.012 pp | |
| 3.943 % | +0.011 pp | |
| 3.932 % | +0.028 pp | |
| 3.904 % | +0.011 pp | |
| 3.893 % | +0.015 pp | |
| 3.878 % | +0.020 pp | |
| 3.858 % | +0.024 pp | |
| 3.834 % | +0.027 pp | |
| 3.807 % | +0.002 pp | |
| 3.805 % | +0.006 pp | |
| 3.799 % | +0.004 pp | |
| 3.795 % | -0.013 pp | |
| 3.808 % | +0.004 pp | |
| 3.804 % | +0.014 pp | |
| 3.790 % | +0.020 pp | |
| 3.770 % | -0.073 pp | |
| 3.843 % | 0.000 pp | |
| 3.843 % | +0.021 pp | |
| 3.822 % | -0.058 pp | |
| 3.880 % | +0.028 pp | |
| 3.852 % | -0.006 pp | |
| 3.858 % | -0.042 pp | |
| 3.900 % | +0.035 pp | |
| 3.865 % | +0.011 pp | |
| 3.854 % | -0.001 pp | |
| 3.855 % | +0.030 pp | |
| 3.825 % | +0.032 pp | |
| 3.793 % | +0.029 pp | |
| 3.764 % | +0.041 pp | |
| 3.723 % | +0.005 pp | |
| 3.718 % | +0.064 pp | |
| 3.654 % | +0.072 pp | |
| 3.582 % | +0.004 pp | |
| 3.578 % | -0.050 pp | |
| 3.628 % | -0.010 pp | |
| 3.638 % | -0.013 pp | |
| 3.651 % | +0.029 pp | |
| 3.622 % | +0.054 pp | |
| 3.568 % | -0.005 pp | |
| 3.573 % | +0.031 pp | |
| 3.542 % | +0.073 pp | |
| 3.469 % | -0.064 pp | |
| 3.533 % | -0.045 pp | |
| 3.578 % | +0.110 pp | |
| 3.468 % | +0.146 pp | |
| 3.322 % | -0.073 pp | |
| 3.395 % | +0.015 pp | |
| 3.380 % | +0.021 pp | |
| 3.359 % | -0.303 pp | |
| 3.662 % | +0.153 pp | |
| 3.509 % | -0.349 pp | |
| 3.858 % | -0.095 pp | |
| 3.953 % | -0.025 pp | |
| 3.978 % | +0.034 pp | |
| 3.944 % | +0.036 pp | |
| 3.908 % | +0.049 pp | |
| 3.859 % | +0.033 pp | |
| 3.826 % | +0.005 pp | |
| 3.821 % | +0.076 pp | |
| 3.745 % | +0.020 pp | |
| 3.725 % | +0.045 pp | |
| 3.680 % | +0.018 pp | |
| 3.662 % | +0.020 pp | |
| 3.642 % | +0.017 pp | |
| 3.625 % | +0.047 pp | |
| 3.578 % | -0.001 pp | |
| 3.579 % | +0.007 pp | |
| 3.572 % | +0.005 pp | |
| 3.567 % | +0.025 pp | |
| 3.542 % | +0.024 pp | |
| 3.518 % | +0.008 pp | |
| 3.510 % | +0.045 pp | |
| 3.465 % | -0.021 pp | |
| 3.486 % | +0.035 pp | |
| 3.451 % | +0.016 pp | |
| 3.435 % | +0.034 pp | |
| 3.401 % | +0.027 pp | |
| 3.374 % | -0.072 pp | |
| 3.446 % | +0.032 pp | |
| 3.414 % | +0.001 pp | |
| 3.413 % | +0.045 pp | |
| 3.368 % | +0.012 pp | |
| 3.356 % | +0.004 pp | |
| 3.352 % | -0.011 pp | |
| 3.363 % | +0.010 pp | |
| 3.353 % | +0.008 pp | |
| 3.345 % | +0.018 pp | |
| 3.327 % | +0.027 pp | |
| 3.300 % | -0.011 pp | |
| 3.311 % | -0.028 pp | |
| 3.339 % | +0.007 pp | |
| 3.332 % | +0.017 pp | |
| 3.315 % | -0.010 pp | |
| 3.325 % | -0.045 pp | |
| 3.370 % | +0.032 pp | |
| 3.338 % | +0.010 pp | |
| 3.328 % | 0.000 pp | |
| 3.328 % | +0.025 pp | |
| 3.303 % | -0.009 pp | |
| 3.312 % | -0.009 pp | |
| 3.321 % | +0.005 pp | |
| 3.316 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What was the average 12-month Euribor in 2023?
3.869 %. The low was 3.300 % on 19 January 2023 and the high 4.228 % on 29 September 2023.