3-month Euribor – February 2023
The average 3-month Euribor for February 2023 is 2.640 %, computed from 20 daily fixings (complete). The month opened at 2.483 %, closed at 2.744 %, with a low of 2.483 % and a high of 2.744 %. Versus January 2023 the average is up +0.295 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in February on the 3-month Euribor plus 1 pp would pay 3.64 % for the coming period.
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.
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.
February 2023
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 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 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for February 2023?
2.640 %, computed from 20 daily fixings. The ECB's official monthly average is 2.640 %.
My mortgage revises with the February average – what rate applies?
Reference 2.640 % plus your contractual spread; with a 1 pp spread the new rate is 3.64 %. Check whether your contract uses the previous month or the month before that.
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay. 07/09/2026