12-month Euribor – May 2025
The average 12-month Euribor for May 2025 is 2.077 %, computed from 19 daily fixings (complete). The month opened at 2.045 %, closed at 2.090 %, with a low of 2.024 % and a high of 2.161 %. Versus April 2025 the average is down -0.066 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in May on the 12-month Euribor plus 1 pp would pay 3.08 % 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.
May 2025
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.090 % | +0.034 pp | |
| 2.056 % | 0.000 pp | |
| 2.056 % | -0.026 pp | |
| 2.082 % | -0.014 pp | |
| 2.096 % | -0.008 pp | |
| 2.104 % | +0.020 pp | |
| 2.084 % | -0.011 pp | |
| 2.095 % | +0.001 pp | |
| 2.094 % | -0.048 pp | |
| 2.142 % | -0.019 pp | |
| 2.161 % | +0.054 pp | |
| 2.107 % | +0.040 pp | |
| 2.067 % | +0.043 pp | |
| 2.024 % | -0.012 pp | |
| 2.036 % | -0.003 pp | |
| 2.039 % | -0.006 pp | |
| 2.045 % | +0.006 pp | |
| 2.039 % | -0.006 pp | |
| 2.045 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for May 2025?
2.077 %, computed from 19 daily fixings. The ECB's official monthly average is 2.081 %.
My mortgage revises with the May average – what rate applies?
Reference 2.077 % plus your contractual spread; with a 1 pp spread the new rate is 3.08 %. 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