12-month Euribor – January 2025
The average 12-month Euribor for January 2025 is 2.525 %, computed from 22 daily fixings (complete). The month opened at 2.448 %, closed at 2.519 %, with a low of 2.448 % and a high of 2.612 %. Versus December 2024 the average is up +0.089 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in January on the 12-month Euribor plus 1 pp would pay 3.53 % for the coming period.
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.
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.
January 2025
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 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 is the 12-month Euribor average for January 2025?
2.525 %, computed from 22 daily fixings. The ECB's official monthly average is 2.525 %.
My mortgage revises with the January average – what rate applies?
Reference 2.525 % plus your contractual spread; with a 1 pp spread the new rate is 3.53 %. Check whether your contract uses the previous month or the month before that.
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay. 07/09/2026