3-month Euribor – April 2023
The average 3-month Euribor for April 2023 is 3.179 %, computed from 18 daily fixings (complete). The month opened at 3.053 %, closed at 3.265 %, with a low of 3.052 % and a high of 3.288 %. Versus March 2023 the average is up +0.269 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in April on the 3-month Euribor plus 1 pp would pay 4.18 % 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.
April 2023
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 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 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for April 2023?
3.179 %, computed from 18 daily fixings. The ECB's official monthly average is 3.179 %.
My mortgage revises with the April average – what rate applies?
Reference 3.179 % plus your contractual spread; with a 1 pp spread the new rate is 4.18 %. 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