12-month Euribor – March 2025
The average 12-month Euribor for March 2025 is 2.398 %, computed from 21 daily fixings (complete). The month opened at 2.365 %, closed at 2.306 %, with a low of 2.306 % and a high of 2.481 %. Versus February 2025 the average is down -0.009 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in March on the 12-month Euribor plus 1 pp would pay 3.40 % 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.
March 2025
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 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 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for March 2025?
2.398 %, computed from 21 daily fixings. The ECB's official monthly average is 2.398 %.
My mortgage revises with the March average – what rate applies?
Reference 2.398 % plus your contractual spread; with a 1 pp spread the new rate is 3.40 %. 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