12-month Euribor – December 2025
The average 12-month Euribor for December 2025 is 2.268 %, computed from 20 daily fixings (complete). The month opened at 2.227 %, closed at 2.243 %, with a low of 2.227 % and a high of 2.315 %. Versus November 2025 the average is up +0.051 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in December on the 12-month Euribor plus 1 pp would pay 3.27 % 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.
December 2025
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.243 % | -0.007 pp | |
| 2.250 % | -0.008 pp | |
| 2.258 % | -0.007 pp | |
| 2.265 % | -0.004 pp | |
| 2.269 % | +0.003 pp | |
| 2.266 % | +0.002 pp | |
| 2.264 % | -0.027 pp | |
| 2.291 % | -0.024 pp | |
| 2.315 % | +0.005 pp | |
| 2.310 % | +0.016 pp | |
| 2.294 % | -0.004 pp | |
| 2.298 % | +0.014 pp | |
| 2.284 % | +0.016 pp | |
| 2.268 % | +0.022 pp | |
| 2.246 % | -0.008 pp | |
| 2.254 % | 0.000 pp | |
| 2.254 % | +0.003 pp | |
| 2.251 % | +0.007 pp | |
| 2.244 % | +0.017 pp | |
| 2.227 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for December 2025?
2.268 %, computed from 20 daily fixings. The ECB's official monthly average is 2.267 %.
My mortgage revises with the December average – what rate applies?
Reference 2.268 % plus your contractual spread; with a 1 pp spread the new rate is 3.27 %. 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