3-month Euribor in 2020
In 2020 the 3-month Euribor averaged -0.427 %. It started the year at -0.379 %, ended at -0.545 %, and moved between a low of -0.546 % (10 December 2020) and a high of -0.161 % (23 April 2020). Compared with 2019, the yearly average was down -0.071 pp.
The table lists every monthly average of 2020, which is the figure most mortgage contracts use for a revision, followed by the daily fixings that make up those averages. Values before 2006 are the ECB's official monthly averages, because daily fixings from the Bank of Finland series start in January 2006.
In 2020 the monthly averages of the 3-month Euribor were: January -0.391 %, February -0.409 %, March -0.417 %, April -0.254 %, May -0.272 %, June -0.376 %, July -0.444 %, August -0.480 %, September -0.491 %, October -0.509 %, November -0.521 %, December -0.538 %.
Every number on this page is a published fixing, not an estimate: daily values come from the Bank of Finland's copy of the Euribor series, monthly averages are the arithmetic mean of those fixings and are cross-checked against the ECB Data Portal, and the tables are rebuilt each 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.
2020
Source: Bank of Finland. Published with a 24-hour delay.
Months
| Month | Average | Low | High | First | Last | Days | ECB avg |
|---|---|---|---|---|---|---|---|
| January | -0.391 % | -0.401 % | -0.379 % | -0.379 % | -0.393 % | 22 | -0.391 % |
| February | -0.409 % | -0.425 % | -0.393 % | -0.393 % | -0.424 % | 20 | -0.409 % |
| March | -0.417 % | -0.489 % | -0.349 % | -0.434 % | -0.363 % | 22 | -0.417 % |
| April | -0.254 % | -0.343 % | -0.161 % | -0.343 % | -0.273 % | 20 | -0.254 % |
| May | -0.272 % | -0.307 % | -0.245 % | -0.286 % | -0.307 % | 20 | -0.272 % |
| June | -0.376 % | -0.422 % | -0.325 % | -0.325 % | -0.422 % | 22 | -0.376 % |
| July | -0.444 % | -0.463 % | -0.417 % | -0.417 % | -0.463 % | 23 | -0.444 % |
| August | -0.480 % | -0.491 % | -0.467 % | -0.469 % | -0.477 % | 21 | -0.480 % |
| September | -0.491 % | -0.508 % | -0.478 % | -0.478 % | -0.498 % | 22 | -0.491 % |
| October | -0.509 % | -0.523 % | -0.498 % | -0.498 % | -0.523 % | 22 | -0.509 % |
| November | -0.521 % | -0.528 % | -0.510 % | -0.520 % | -0.526 % | 21 | -0.521 % |
| December | -0.538 % | -0.546 % | -0.524 % | -0.526 % | -0.545 % | 22 | -0.538 % |
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| -0.545 % | -0.004 pp | |
| -0.541 % | -0.003 pp | |
| -0.538 % | +0.004 pp | |
| -0.542 % | 0.000 pp | |
| -0.542 % | -0.001 pp | |
| -0.541 % | -0.002 pp | |
| -0.539 % | -0.007 pp | |
| -0.532 % | +0.005 pp | |
| -0.537 % | +0.004 pp | |
| -0.541 % | -0.001 pp | |
| -0.540 % | +0.004 pp | |
| -0.544 % | -0.001 pp | |
| -0.543 % | 0.000 pp | |
| -0.543 % | +0.003 pp | |
| -0.546 % | -0.001 pp | |
| -0.545 % | -0.009 pp | |
| -0.536 % | -0.002 pp | |
| -0.534 % | -0.002 pp | |
| -0.532 % | -0.005 pp | |
| -0.527 % | -0.003 pp | |
| -0.524 % | +0.002 pp | |
| -0.526 % | 0.000 pp | |
| -0.526 % | +0.002 pp | |
| -0.528 % | 0.000 pp | |
| -0.528 % | -0.002 pp | |
| -0.526 % | -0.003 pp | |
| -0.523 % | 0.000 pp | |
| -0.523 % | +0.005 pp | |
| -0.528 % | -0.001 pp | |
| -0.527 % | 0.000 pp | |
| -0.527 % | -0.005 pp | |
| -0.522 % | 0.000 pp | |
| -0.522 % | -0.008 pp | |
| -0.514 % | -0.001 pp | |
| -0.513 % | +0.005 pp | |
| -0.518 % | -0.008 pp | |
| -0.510 % | +0.006 pp | |
| -0.516 % | -0.003 pp | |
| -0.513 % | +0.004 pp | |
| -0.517 % | 0.000 pp | |
| -0.517 % | +0.003 pp | |
| -0.520 % | 0.000 pp | |
| -0.520 % | +0.003 pp | |
| -0.523 % | -0.008 pp | |
| -0.515 % | -0.003 pp | |
| -0.512 % | -0.002 pp | |
| -0.510 % | -0.001 pp | |
| -0.509 % | +0.003 pp | |
| -0.512 % | -0.001 pp | |
| -0.511 % | -0.004 pp | |
| -0.507 % | 0.000 pp | |
| -0.507 % | +0.002 pp | |
| -0.509 % | 0.000 pp | |
| -0.509 % | -0.002 pp | |
| -0.507 % | +0.004 pp | |
| -0.511 % | -0.003 pp | |
| -0.508 % | +0.003 pp | |
| -0.511 % | -0.002 pp | |
| -0.509 % | -0.003 pp | |
| -0.506 % | +0.002 pp | |
| -0.508 % | -0.003 pp | |
| -0.505 % | +0.004 pp | |
| -0.509 % | -0.004 pp | |
| -0.505 % | -0.007 pp | |
| -0.498 % | 0.000 pp | |
| -0.498 % | -0.004 pp | |
| -0.494 % | -0.001 pp | |
| -0.493 % | +0.005 pp | |
| -0.498 % | -0.005 pp | |
| -0.493 % | +0.005 pp | |
| -0.498 % | +0.010 pp | |
| -0.508 % | 0.000 pp | |
| -0.508 % | -0.004 pp | |
| -0.504 % | -0.003 pp | |
| -0.501 % | -0.014 pp | |
| -0.487 % | -0.002 pp | |
| -0.485 % | -0.001 pp | |
| -0.484 % | 0.000 pp | |
| -0.484 % | +0.004 pp | |
| -0.488 % | +0.005 pp | |
| -0.493 % | -0.005 pp | |
| -0.488 % | -0.001 pp | |
| -0.487 % | -0.004 pp | |
| -0.483 % | -0.003 pp | |
| -0.480 % | -0.002 pp | |
| -0.478 % | 0.000 pp | |
| -0.478 % | -0.001 pp | |
| -0.477 % | 0.000 pp | |
| -0.477 % | 0.000 pp | |
| -0.477 % | -0.001 pp | |
| -0.476 % | +0.005 pp | |
| -0.481 % | +0.007 pp | |
| -0.488 % | -0.001 pp | |
| -0.487 % | +0.004 pp | |
| -0.491 % | -0.003 pp | |
| -0.488 % | -0.005 pp | |
| -0.483 % | -0.003 pp | |
| -0.480 % | +0.002 pp | |
| -0.482 % | -0.001 pp | |
| -0.481 % | +0.005 pp | |
| -0.486 % | -0.004 pp | |
| -0.482 % | -0.004 pp | |
| -0.478 % | 0.000 pp | |
| -0.478 % | -0.004 pp | |
| -0.474 % | -0.007 pp | |
| -0.467 % | +0.005 pp | |
| -0.472 % | -0.003 pp | |
| -0.469 % | -0.006 pp | |
| -0.463 % | -0.002 pp | |
| -0.461 % | -0.003 pp | |
| -0.458 % | -0.004 pp | |
| -0.454 % | +0.003 pp | |
| -0.457 % | -0.009 pp | |
| -0.448 % | +0.005 pp | |
| -0.453 % | +0.001 pp | |
| -0.454 % | -0.002 pp | |
| -0.452 % | -0.009 pp | |
| -0.443 % | 0.000 pp | |
| -0.443 % | +0.006 pp | |
| -0.449 % | -0.006 pp | |
| -0.443 % | -0.010 pp | |
| -0.433 % | +0.002 pp | |
| -0.435 % | +0.005 pp | |
| -0.440 % | -0.002 pp | |
| -0.438 % | -0.005 pp | |
| -0.433 % | +0.003 pp | |
| -0.436 % | +0.005 pp | |
| -0.441 % | -0.006 pp | |
| -0.435 % | -0.006 pp | |
| -0.429 % | -0.012 pp | |
| -0.417 % | +0.005 pp | |
| -0.422 % | -0.009 pp | |
| -0.413 % | -0.010 pp | |
| -0.403 % | -0.001 pp | |
| -0.402 % | -0.004 pp | |
| -0.398 % | +0.011 pp | |
| -0.409 % | -0.009 pp | |
| -0.400 % | +0.007 pp | |
| -0.407 % | -0.018 pp | |
| -0.389 % | +0.007 pp | |
| -0.396 % | -0.024 pp | |
| -0.372 % | -0.017 pp | |
| -0.355 % | +0.011 pp | |
| -0.366 % | -0.008 pp | |
| -0.358 % | -0.007 pp | |
| -0.351 % | +0.013 pp | |
| -0.364 % | +0.001 pp | |
| -0.365 % | -0.012 pp | |
| -0.353 % | -0.001 pp | |
| -0.352 % | -0.010 pp | |
| -0.342 % | -0.012 pp | |
| -0.330 % | -0.005 pp | |
| -0.325 % | -0.018 pp | |
| -0.307 % | -0.017 pp | |
| -0.290 % | -0.010 pp | |
| -0.280 % | -0.006 pp | |
| -0.274 % | +0.001 pp | |
| -0.275 % | +0.004 pp | |
| -0.279 % | +0.003 pp | |
| -0.282 % | -0.002 pp | |
| -0.280 % | -0.021 pp | |
| -0.259 % | +0.017 pp | |
| -0.276 % | -0.010 pp | |
| -0.266 % | -0.004 pp | |
| -0.262 % | -0.009 pp | |
| -0.253 % | -0.008 pp | |
| -0.245 % | +0.013 pp | |
| -0.258 % | -0.012 pp | |
| -0.246 % | +0.012 pp | |
| -0.258 % | +0.008 pp | |
| -0.266 % | +0.031 pp | |
| -0.297 % | -0.011 pp | |
| -0.286 % | -0.013 pp | |
| -0.273 % | -0.012 pp | |
| -0.261 % | -0.029 pp | |
| -0.232 % | -0.009 pp | |
| -0.223 % | -0.031 pp | |
| -0.192 % | -0.031 pp | |
| -0.161 % | +0.029 pp | |
| -0.190 % | +0.043 pp | |
| -0.233 % | +0.013 pp | |
| -0.246 % | -0.003 pp | |
| -0.243 % | -0.019 pp | |
| -0.224 % | +0.026 pp | |
| -0.250 % | -0.002 pp | |
| -0.248 % | -0.028 pp | |
| -0.220 % | +0.034 pp | |
| -0.254 % | +0.039 pp | |
| -0.293 % | +0.025 pp | |
| -0.318 % | +0.023 pp | |
| -0.341 % | -0.005 pp | |
| -0.336 % | +0.007 pp | |
| -0.343 % | +0.020 pp | |
| -0.363 % | -0.010 pp | |
| -0.353 % | 0.000 pp | |
| -0.353 % | -0.004 pp | |
| -0.349 % | +0.020 pp | |
| -0.369 % | +0.004 pp | |
| -0.373 % | -0.004 pp | |
| -0.369 % | +0.002 pp | |
| -0.371 % | +0.022 pp | |
| -0.393 % | +0.015 pp | |
| -0.408 % | 0.000 pp | |
| -0.408 % | +0.002 pp | |
| -0.410 % | +0.018 pp | |
| -0.428 % | +0.061 pp | |
| -0.489 % | -0.016 pp | |
| -0.473 % | +0.009 pp | |
| -0.482 % | -0.014 pp | |
| -0.468 % | +0.005 pp | |
| -0.473 % | -0.004 pp | |
| -0.469 % | -0.001 pp | |
| -0.468 % | -0.005 pp | |
| -0.463 % | -0.029 pp | |
| -0.434 % | -0.010 pp | |
| -0.424 % | +0.001 pp | |
| -0.425 % | -0.002 pp | |
| -0.423 % | -0.006 pp | |
| -0.417 % | -0.003 pp | |
| -0.414 % | +0.001 pp | |
| -0.415 % | -0.005 pp | |
| -0.410 % | -0.008 pp | |
| -0.402 % | +0.001 pp | |
| -0.403 % | +0.010 pp | |
| -0.413 % | 0.000 pp | |
| -0.413 % | -0.002 pp | |
| -0.411 % | +0.002 pp | |
| -0.413 % | -0.004 pp | |
| -0.409 % | -0.012 pp | |
| -0.397 % | +0.003 pp | |
| -0.400 % | -0.001 pp | |
| -0.399 % | +0.001 pp | |
| -0.400 % | -0.004 pp | |
| -0.396 % | -0.003 pp | |
| -0.393 % | 0.000 pp | |
| -0.393 % | +0.005 pp | |
| -0.398 % | +0.001 pp | |
| -0.399 % | +0.002 pp | |
| -0.401 % | -0.003 pp | |
| -0.398 % | -0.012 pp | |
| -0.386 % | 0.000 pp | |
| -0.386 % | +0.004 pp | |
| -0.390 % | +0.002 pp | |
| -0.392 % | 0.000 pp | |
| -0.392 % | -0.001 pp | |
| -0.391 % | +0.002 pp | |
| -0.393 % | 0.000 pp | |
| -0.393 % | -0.002 pp | |
| -0.391 % | -0.002 pp | |
| -0.389 % | +0.006 pp | |
| -0.395 % | -0.002 pp | |
| -0.393 % | -0.003 pp | |
| -0.390 % | -0.003 pp | |
| -0.387 % | -0.002 pp | |
| -0.385 % | -0.001 pp | |
| -0.384 % | -0.005 pp | |
| -0.379 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What was the average 3-month Euribor in 2020?
-0.427 %. The low was -0.546 % on 10 December 2020 and the high -0.161 % on 23 April 2020.