12-month Euribor – February 2025
The average 12-month Euribor for February 2025 is 2.407 %, computed from 20 daily fixings (complete). The month opened at 2.436 %, closed at 2.394 %, with a low of 2.350 % and a high of 2.463 %. Versus January 2025 the average is down -0.118 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in February on the 12-month Euribor plus 1 pp would pay 3.41 % 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.
February 2025
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 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 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for February 2025?
2.407 %, computed from 20 daily fixings. The ECB's official monthly average is 2.407 %.
My mortgage revises with the February average – what rate applies?
Reference 2.407 % plus your contractual spread; with a 1 pp spread the new rate is 3.41 %. 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