12-month Euribor – November 2025
The average 12-month Euribor for November 2025 is 2.217 %, computed from 20 daily fixings (complete). The month opened at 2.199 %, closed at 2.209 %, with a low of 2.199 % and a high of 2.235 %. Versus October 2025 the average is up +0.029 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in November on the 12-month Euribor plus 1 pp would pay 3.22 % 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.
November 2025
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.209 % | -0.001 pp | |
| 2.210 % | +0.004 pp | |
| 2.206 % | 0.000 pp | |
| 2.206 % | -0.003 pp | |
| 2.209 % | -0.011 pp | |
| 2.220 % | -0.001 pp | |
| 2.221 % | -0.008 pp | |
| 2.229 % | -0.004 pp | |
| 2.233 % | -0.002 pp | |
| 2.235 % | 0.000 pp | |
| 2.235 % | +0.001 pp | |
| 2.234 % | +0.010 pp | |
| 2.224 % | +0.008 pp | |
| 2.216 % | +0.005 pp | |
| 2.211 % | -0.001 pp | |
| 2.212 % | +0.001 pp | |
| 2.211 % | -0.001 pp | |
| 2.212 % | +0.006 pp | |
| 2.206 % | +0.007 pp | |
| 2.199 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for November 2025?
2.217 %, computed from 20 daily fixings. The ECB's official monthly average is 2.217 %.
My mortgage revises with the November average – what rate applies?
Reference 2.217 % plus your contractual spread; with a 1 pp spread the new rate is 3.22 %. 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