12-month Euribor – October 2025
The average 12-month Euribor for October 2025 is 2.187 %, computed from 22 daily fixings (complete). The month opened at 2.204 %, closed at 2.196 %, with a low of 2.139 % and a high of 2.226 %. Versus September 2025 the average is up +0.016 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in October on the 12-month Euribor plus 1 pp would pay 3.19 % 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.
October 2025
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.196 % | +0.010 pp | |
| 2.186 % | -0.009 pp | |
| 2.195 % | +0.020 pp | |
| 2.175 % | +0.016 pp | |
| 2.159 % | +0.003 pp | |
| 2.156 % | 0.000 pp | |
| 2.156 % | -0.001 pp | |
| 2.157 % | +0.018 pp | |
| 2.139 % | -0.025 pp | |
| 2.164 % | -0.002 pp | |
| 2.166 % | +0.003 pp | |
| 2.163 % | -0.019 pp | |
| 2.182 % | -0.019 pp | |
| 2.201 % | -0.001 pp | |
| 2.202 % | -0.007 pp | |
| 2.209 % | -0.007 pp | |
| 2.216 % | -0.007 pp | |
| 2.223 % | -0.003 pp | |
| 2.226 % | +0.002 pp | |
| 2.224 % | 0.000 pp | |
| 2.224 % | +0.020 pp | |
| 2.204 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for October 2025?
2.187 %, computed from 22 daily fixings. The ECB's official monthly average is 2.187 %.
My mortgage revises with the October average – what rate applies?
Reference 2.187 % plus your contractual spread; with a 1 pp spread the new rate is 3.19 %. 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