3-month Euribor in 2023
In 2023 the 3-month Euribor averaged 3.433 %. It started the year at 2.162 %, ended at 3.909 %, and moved between a low of 2.162 % (2 January 2023) and a high of 4.002 % (19 October 2023). Compared with 2022, the yearly average was up +3.071 pp.
The table lists every monthly average of 2023, 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 2023 the monthly averages of the 3-month Euribor were: January 2.345 %, February 2.640 %, March 2.911 %, April 3.179 %, May 3.372 %, June 3.536 %, July 3.672 %, August 3.780 %, September 3.880 %, October 3.968 %, November 3.972 %, December 3.935 %.
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.
2023
Source: Bank of Finland. Published with a 24-hour delay.
Months
| Month | Average | Low | High | First | Last | Days | ECB avg |
|---|---|---|---|---|---|---|---|
| January | 2.345 % | 2.162 % | 2.512 % | 2.162 % | 2.512 % | 22 | 2.345 % |
| February | 2.640 % | 2.483 % | 2.744 % | 2.483 % | 2.744 % | 20 | 2.640 % |
| March | 2.911 % | 2.646 % | 3.052 % | 2.783 % | 3.038 % | 23 | 2.911 % |
| April | 3.179 % | 3.052 % | 3.288 % | 3.053 % | 3.265 % | 18 | 3.179 % |
| May | 3.372 % | 3.270 % | 3.483 % | 3.274 % | 3.463 % | 22 | 3.372 % |
| June | 3.536 % | 3.459 % | 3.610 % | 3.462 % | 3.577 % | 22 | 3.536 % |
| July | 3.672 % | 3.589 % | 3.725 % | 3.597 % | 3.715 % | 21 | 3.672 % |
| August | 3.780 % | 3.722 % | 3.826 % | 3.723 % | 3.795 % | 23 | 3.780 % |
| September | 3.880 % | 3.770 % | 3.977 % | 3.770 % | 3.952 % | 21 | 3.880 % |
| October | 3.968 % | 3.938 % | 4.002 % | 3.951 % | 3.972 % | 22 | 3.968 % |
| November | 3.972 % | 3.935 % | 4.002 % | 3.953 % | 3.964 % | 22 | 3.972 % |
| December | 3.935 % | 3.893 % | 3.969 % | 3.960 % | 3.909 % | 19 | 3.935 % |
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 3.909 % | +0.016 pp | |
| 3.893 % | -0.032 pp | |
| 3.925 % | -0.006 pp | |
| 3.931 % | +0.015 pp | |
| 3.916 % | 0.000 pp | |
| 3.916 % | -0.007 pp | |
| 3.923 % | -0.015 pp | |
| 3.938 % | +0.018 pp | |
| 3.920 % | -0.012 pp | |
| 3.932 % | +0.007 pp | |
| 3.925 % | -0.003 pp | |
| 3.928 % | -0.030 pp | |
| 3.958 % | +0.008 pp | |
| 3.950 % | -0.019 pp | |
| 3.969 % | +0.019 pp | |
| 3.950 % | -0.008 pp | |
| 3.958 % | -0.004 pp | |
| 3.962 % | +0.002 pp | |
| 3.960 % | -0.004 pp | |
| 3.964 % | -0.011 pp | |
| 3.975 % | +0.020 pp | |
| 3.955 % | +0.004 pp | |
| 3.951 % | +0.016 pp | |
| 3.935 % | -0.021 pp | |
| 3.956 % | -0.006 pp | |
| 3.962 % | -0.011 pp | |
| 3.973 % | +0.011 pp | |
| 3.962 % | -0.022 pp | |
| 3.984 % | -0.018 pp | |
| 4.002 % | +0.008 pp | |
| 3.994 % | -0.003 pp | |
| 3.997 % | -0.005 pp | |
| 4.002 % | +0.010 pp | |
| 3.992 % | +0.005 pp | |
| 3.987 % | +0.014 pp | |
| 3.973 % | +0.007 pp | |
| 3.966 % | +0.003 pp | |
| 3.963 % | +0.007 pp | |
| 3.956 % | -0.018 pp | |
| 3.974 % | +0.021 pp | |
| 3.953 % | -0.019 pp | |
| 3.972 % | +0.004 pp | |
| 3.968 % | +0.020 pp | |
| 3.948 % | -0.004 pp | |
| 3.952 % | +0.014 pp | |
| 3.938 % | -0.003 pp | |
| 3.941 % | -0.015 pp | |
| 3.956 % | -0.013 pp | |
| 3.969 % | -0.033 pp | |
| 4.002 % | +0.009 pp | |
| 3.993 % | +0.021 pp | |
| 3.972 % | -0.003 pp | |
| 3.975 % | -0.010 pp | |
| 3.985 % | +0.020 pp | |
| 3.965 % | +0.013 pp | |
| 3.952 % | -0.036 pp | |
| 3.988 % | +0.008 pp | |
| 3.980 % | -0.003 pp | |
| 3.983 % | +0.011 pp | |
| 3.972 % | +0.010 pp | |
| 3.962 % | -0.002 pp | |
| 3.964 % | +0.013 pp | |
| 3.951 % | -0.001 pp | |
| 3.952 % | -0.003 pp | |
| 3.955 % | -0.017 pp | |
| 3.972 % | +0.031 pp | |
| 3.941 % | -0.036 pp | |
| 3.977 % | +0.019 pp | |
| 3.958 % | +0.003 pp | |
| 3.955 % | +0.021 pp | |
| 3.934 % | 0.000 pp | |
| 3.934 % | +0.031 pp | |
| 3.903 % | +0.025 pp | |
| 3.878 % | +0.011 pp | |
| 3.867 % | +0.022 pp | |
| 3.845 % | +0.021 pp | |
| 3.824 % | +0.002 pp | |
| 3.822 % | +0.022 pp | |
| 3.800 % | +0.001 pp | |
| 3.799 % | +0.004 pp | |
| 3.795 % | -0.007 pp | |
| 3.802 % | +0.004 pp | |
| 3.798 % | +0.028 pp | |
| 3.770 % | -0.025 pp | |
| 3.795 % | -0.008 pp | |
| 3.803 % | +0.020 pp | |
| 3.783 % | +0.012 pp | |
| 3.771 % | -0.017 pp | |
| 3.788 % | +0.004 pp | |
| 3.784 % | -0.042 pp | |
| 3.826 % | +0.018 pp | |
| 3.808 % | +0.002 pp | |
| 3.806 % | -0.010 pp | |
| 3.816 % | +0.001 pp | |
| 3.815 % | +0.017 pp | |
| 3.798 % | +0.011 pp | |
| 3.787 % | -0.012 pp | |
| 3.799 % | +0.018 pp | |
| 3.781 % | -0.007 pp | |
| 3.788 % | +0.029 pp | |
| 3.759 % | -0.006 pp | |
| 3.765 % | +0.011 pp | |
| 3.754 % | +0.011 pp | |
| 3.743 % | +0.021 pp | |
| 3.722 % | -0.011 pp | |
| 3.733 % | +0.010 pp | |
| 3.723 % | +0.008 pp | |
| 3.715 % | -0.010 pp | |
| 3.725 % | +0.011 pp | |
| 3.714 % | 0.000 pp | |
| 3.714 % | +0.009 pp | |
| 3.705 % | -0.011 pp | |
| 3.716 % | -0.005 pp | |
| 3.721 % | +0.023 pp | |
| 3.698 % | +0.052 pp | |
| 3.646 % | -0.059 pp | |
| 3.705 % | +0.020 pp | |
| 3.685 % | +0.025 pp | |
| 3.660 % | -0.003 pp | |
| 3.663 % | +0.006 pp | |
| 3.657 % | -0.015 pp | |
| 3.672 % | +0.011 pp | |
| 3.661 % | +0.021 pp | |
| 3.640 % | +0.028 pp | |
| 3.612 % | +0.023 pp | |
| 3.589 % | -0.024 pp | |
| 3.613 % | +0.016 pp | |
| 3.597 % | +0.020 pp | |
| 3.577 % | -0.010 pp | |
| 3.587 % | -0.011 pp | |
| 3.598 % | +0.044 pp | |
| 3.554 % | -0.023 pp | |
| 3.577 % | -0.033 pp | |
| 3.610 % | +0.010 pp | |
| 3.600 % | +0.032 pp | |
| 3.568 % | -0.019 pp | |
| 3.587 % | +0.036 pp | |
| 3.551 % | -0.021 pp | |
| 3.572 % | +0.025 pp | |
| 3.547 % | +0.025 pp | |
| 3.522 % | -0.004 pp | |
| 3.526 % | +0.048 pp | |
| 3.478 % | +0.009 pp | |
| 3.469 % | -0.017 pp | |
| 3.486 % | +0.027 pp | |
| 3.459 % | -0.017 pp | |
| 3.476 % | -0.017 pp | |
| 3.493 % | +0.003 pp | |
| 3.490 % | +0.028 pp | |
| 3.462 % | -0.001 pp | |
| 3.463 % | -0.011 pp | |
| 3.474 % | -0.009 pp | |
| 3.483 % | +0.021 pp | |
| 3.462 % | +0.005 pp | |
| 3.457 % | +0.042 pp | |
| 3.415 % | -0.007 pp | |
| 3.422 % | +0.010 pp | |
| 3.412 % | -0.003 pp | |
| 3.415 % | +0.032 pp | |
| 3.383 % | -0.005 pp | |
| 3.388 % | +0.006 pp | |
| 3.382 % | +0.024 pp | |
| 3.358 % | +0.010 pp | |
| 3.348 % | +0.025 pp | |
| 3.323 % | +0.022 pp | |
| 3.301 % | +0.031 pp | |
| 3.270 % | -0.042 pp | |
| 3.312 % | +0.032 pp | |
| 3.280 % | -0.001 pp | |
| 3.281 % | +0.006 pp | |
| 3.275 % | +0.001 pp | |
| 3.274 % | +0.009 pp | |
| 3.265 % | +0.015 pp | |
| 3.250 % | +0.008 pp | |
| 3.242 % | -0.026 pp | |
| 3.268 % | -0.020 pp | |
| 3.288 % | +0.027 pp | |
| 3.261 % | +0.050 pp | |
| 3.211 % | +0.006 pp | |
| 3.205 % | +0.005 pp | |
| 3.200 % | -0.019 pp | |
| 3.219 % | +0.044 pp | |
| 3.175 % | -0.002 pp | |
| 3.177 % | +0.051 pp | |
| 3.126 % | +0.018 pp | |
| 3.108 % | +0.033 pp | |
| 3.075 % | +0.020 pp | |
| 3.055 % | +0.003 pp | |
| 3.052 % | -0.001 pp | |
| 3.053 % | +0.015 pp | |
| 3.038 % | -0.014 pp | |
| 3.052 % | +0.037 pp | |
| 3.015 % | +0.025 pp | |
| 2.990 % | -0.022 pp | |
| 3.012 % | -0.013 pp | |
| 3.025 % | +0.035 pp | |
| 2.990 % | -0.012 pp | |
| 3.002 % | +0.094 pp | |
| 2.908 % | +0.016 pp | |
| 2.892 % | +0.142 pp | |
| 2.750 % | +0.104 pp | |
| 2.646 % | -0.169 pp | |
| 2.815 % | +0.062 pp | |
| 2.753 % | -0.204 pp | |
| 2.957 % | -0.021 pp | |
| 2.978 % | +0.030 pp | |
| 2.948 % | +0.004 pp | |
| 2.944 % | +0.024 pp | |
| 2.920 % | +0.045 pp | |
| 2.875 % | +0.026 pp | |
| 2.849 % | +0.048 pp | |
| 2.801 % | +0.018 pp | |
| 2.783 % | +0.039 pp | |
| 2.744 % | +0.028 pp | |
| 2.716 % | +0.018 pp | |
| 2.698 % | +0.005 pp | |
| 2.693 % | +0.010 pp | |
| 2.683 % | +0.001 pp | |
| 2.682 % | +0.028 pp | |
| 2.654 % | -0.013 pp | |
| 2.667 % | -0.036 pp | |
| 2.703 % | +0.021 pp | |
| 2.682 % | +0.022 pp | |
| 2.660 % | +0.006 pp | |
| 2.654 % | +0.033 pp | |
| 2.621 % | +0.014 pp | |
| 2.607 % | -0.001 pp | |
| 2.608 % | +0.006 pp | |
| 2.602 % | +0.037 pp | |
| 2.565 % | +0.020 pp | |
| 2.545 % | +0.005 pp | |
| 2.540 % | +0.057 pp | |
| 2.483 % | -0.029 pp | |
| 2.512 % | +0.030 pp | |
| 2.482 % | -0.010 pp | |
| 2.492 % | +0.024 pp | |
| 2.468 % | +0.010 pp | |
| 2.458 % | -0.043 pp | |
| 2.501 % | +0.052 pp | |
| 2.449 % | +0.032 pp | |
| 2.417 % | +0.024 pp | |
| 2.393 % | +0.051 pp | |
| 2.342 % | +0.007 pp | |
| 2.335 % | +0.001 pp | |
| 2.334 % | +0.006 pp | |
| 2.328 % | +0.040 pp | |
| 2.288 % | -0.010 pp | |
| 2.298 % | +0.014 pp | |
| 2.284 % | +0.014 pp | |
| 2.270 % | +0.016 pp | |
| 2.254 % | +0.076 pp | |
| 2.178 % | +0.008 pp | |
| 2.170 % | -0.002 pp | |
| 2.172 % | +0.010 pp | |
| 2.162 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What was the average 3-month Euribor in 2023?
3.433 %. The low was 2.162 % on 2 January 2023 and the high 4.002 % on 19 October 2023.