12-month Euribor – April 2023
The average 12-month Euribor for April 2023 is 3.757 %, computed from 18 daily fixings (complete). The month opened at 3.651 %, closed at 3.880 %, with a low of 3.578 % and a high of 3.900 %. Versus March 2023 the average is up +0.110 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in April on the 12-month Euribor plus 1 pp would pay 4.76 % for the coming period.
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.
What does it mean for a mortgage?
Annuity formula; assumes the rate applies for the whole remaining term. Your bank may round or use a different convention.
April 2023
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 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 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for April 2023?
3.757 %, computed from 18 daily fixings. The ECB's official monthly average is 3.757 %.
My mortgage revises with the April average – what rate applies?
Reference 3.757 % plus your contractual spread; with a 1 pp spread the new rate is 4.76 %. Check whether your contract uses the previous month or the month before that.
Source: official ECB / Eurosystem data. Published with a 24-hour delay. 07/09/2026