12-month Euribor – September 2025
The average 12-month Euribor for September 2025 is 2.172 %, computed from 22 daily fixings (complete). The month opened at 2.148 %, closed at 2.193 %, with a low of 2.148 % and a high of 2.193 %. Versus August 2025 the average is up +0.058 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in September on the 12-month Euribor plus 1 pp would pay 3.17 % 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.
September 2025
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.193 % | +0.004 pp | |
| 2.189 % | +0.010 pp | |
| 2.179 % | 0.000 pp | |
| 2.179 % | +0.008 pp | |
| 2.171 % | +0.011 pp | |
| 2.160 % | +0.001 pp | |
| 2.159 % | +0.005 pp | |
| 2.154 % | -0.006 pp | |
| 2.160 % | -0.004 pp | |
| 2.164 % | -0.001 pp | |
| 2.165 % | -0.018 pp | |
| 2.183 % | +0.016 pp | |
| 2.167 % | -0.001 pp | |
| 2.168 % | +0.008 pp | |
| 2.160 % | -0.009 pp | |
| 2.169 % | -0.015 pp | |
| 2.184 % | +0.006 pp | |
| 2.178 % | -0.012 pp | |
| 2.190 % | -0.001 pp | |
| 2.191 % | +0.029 pp | |
| 2.162 % | +0.014 pp | |
| 2.148 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for September 2025?
2.172 %, computed from 22 daily fixings. The ECB's official monthly average is 2.172 %.
My mortgage revises with the September average – what rate applies?
Reference 2.172 % plus your contractual spread; with a 1 pp spread the new rate is 3.17 %. 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