12-month Euribor in 2025
In 2025 the 12-month Euribor averaged 2.400 %. It started the year at 2.448 %, ended at 2.104 %, and moved between a low of 2.099 % (10 April 2025) and a high of 2.612 % (14 January 2025). Compared with 2024, the yearly average was down -0.879 pp.
The table lists every monthly average of 2025, 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 2025 the monthly averages of the 12-month Euribor were: January 2.525 %, February 2.407 %, March 2.398 %, April 2.183 %.
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.
2025
Source: Bank of Finland. Published with a 24-hour delay.
Months
| Month | Average | Low | High | First | Last | Days | ECB avg |
|---|---|---|---|---|---|---|---|
| January | 2.525 % | 2.448 % | 2.612 % | 2.448 % | 2.519 % | 22 | 2.525 % |
| February | 2.407 % | 2.350 % | 2.463 % | 2.436 % | 2.394 % | 20 | 2.407 % |
| March | 2.398 % | 2.306 % | 2.481 % | 2.365 % | 2.306 % | 21 | 2.398 % |
| April * | 2.183 % | 2.099 % | 2.326 % | 2.277 % | 2.104 % | 13 | 2.143 % |
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay. (*: n of about N business days so far)
Date
| Date | Rate | Change |
|---|---|---|
| 2.104 % | -0.028 pp | |
| 2.132 % | +0.006 pp | |
| 2.126 % | 0.000 pp | |
| 2.126 % | -0.041 pp | |
| 2.167 % | +0.068 pp | |
| 2.099 % | -0.057 pp | |
| 2.156 % | +0.049 pp | |
| 2.107 % | -0.103 pp | |
| 2.210 % | -0.025 pp | |
| 2.235 % | -0.076 pp | |
| 2.311 % | -0.015 pp | |
| 2.326 % | +0.049 pp | |
| 2.277 % | -0.029 pp | |
| 2.306 % | -0.018 pp | |
| 2.324 % | -0.025 pp | |
| 2.349 % | +0.003 pp | |
| 2.346 % | -0.008 pp | |
| 2.354 % | -0.012 pp | |
| 2.366 % | -0.005 pp | |
| 2.371 % | -0.008 pp | |
| 2.379 % | -0.027 pp | |
| 2.406 % | -0.010 pp | |
| 2.416 % | -0.023 pp | |
| 2.439 % | -0.012 pp | |
| 2.451 % | 0.000 pp | |
| 2.451 % | +0.020 pp | |
| 2.431 % | -0.018 pp | |
| 2.449 % | -0.012 pp | |
| 2.461 % | -0.020 pp | |
| 2.481 % | +0.033 pp | |
| 2.448 % | +0.056 pp | |
| 2.392 % | +0.011 pp | |
| 2.381 % | +0.016 pp | |
| 2.365 % | -0.029 pp | |
| 2.394 % | -0.015 pp | |
| 2.409 % | +0.009 pp | |
| 2.400 % | -0.017 pp | |
| 2.417 % | -0.014 pp | |
| 2.431 % | -0.032 pp | |
| 2.463 % | +0.017 pp | |
| 2.446 % | -0.001 pp | |
| 2.447 % | +0.003 pp | |
| 2.444 % | +0.020 pp | |
| 2.424 % | -0.014 pp | |
| 2.438 % | +0.021 pp | |
| 2.417 % | +0.047 pp | |
| 2.370 % | -0.004 pp | |
| 2.374 % | +0.002 pp | |
| 2.372 % | -0.012 pp | |
| 2.384 % | +0.030 pp | |
| 2.354 % | -0.015 pp | |
| 2.369 % | +0.019 pp | |
| 2.350 % | -0.086 pp | |
| 2.436 % | -0.083 pp | |
| 2.519 % | -0.012 pp | |
| 2.531 % | -0.004 pp | |
| 2.535 % | +0.001 pp | |
| 2.534 % | +0.006 pp | |
| 2.528 % | +0.029 pp | |
| 2.499 % | +0.006 pp | |
| 2.493 % | 0.000 pp | |
| 2.493 % | +0.004 pp | |
| 2.489 % | +0.006 pp | |
| 2.483 % | -0.041 pp | |
| 2.524 % | -0.039 pp | |
| 2.563 % | +0.004 pp | |
| 2.559 % | -0.053 pp | |
| 2.612 % | +0.036 pp | |
| 2.576 % | +0.012 pp | |
| 2.564 % | +0.011 pp | |
| 2.553 % | -0.008 pp | |
| 2.561 % | +0.005 pp | |
| 2.556 % | +0.069 pp | |
| 2.487 % | +0.039 pp | |
| 2.448 % | 0.000 pp | |
| 2.448 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What was the average 12-month Euribor in 2025?
2.400 %. The low was 2.099 % on 10 April 2025 and the high 2.612 % on 14 January 2025.