3-month Euribor in 2025
In 2025 the 3-month Euribor averaged 2.514 %. It started the year at 2.736 %, ended at 2.183 %, and moved between a low of 2.183 % (17 April 2025) and a high of 2.789 % (9 January 2025). Compared with 2024, the yearly average was down -1.063 pp.
The table lists every monthly average of 2025, 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 2025 the monthly averages of the 3-month Euribor were: January 2.704 %, February 2.525 %, March 2.442 %, April 2.291 %.
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.
2025
Source: Bank of Finland. Published with a 24-hour delay.
Months
| Month | Average | Low | High | First | Last | Days | ECB avg |
|---|---|---|---|---|---|---|---|
| January | 2.704 % | 2.589 % | 2.789 % | 2.736 % | 2.589 % | 22 | 2.704 % |
| February | 2.525 % | 2.464 % | 2.562 % | 2.562 % | 2.464 % | 20 | 2.525 % |
| March | 2.442 % | 2.328 % | 2.553 % | 2.464 % | 2.336 % | 21 | 2.442 % |
| April * | 2.291 % | 2.183 % | 2.362 % | 2.324 % | 2.183 % | 13 | 2.249 % |
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay. (*: n of about N business days so far)
Date
| Date | Rate | Change |
|---|---|---|
| 2.183 % | -0.053 pp | |
| 2.236 % | -0.027 pp | |
| 2.263 % | +0.011 pp | |
| 2.252 % | -0.027 pp | |
| 2.279 % | +0.014 pp | |
| 2.265 % | -0.036 pp | |
| 2.301 % | +0.008 pp | |
| 2.293 % | -0.069 pp | |
| 2.362 % | +0.039 pp | |
| 2.323 % | -0.026 pp | |
| 2.349 % | -0.007 pp | |
| 2.356 % | +0.032 pp | |
| 2.324 % | -0.012 pp | |
| 2.336 % | +0.008 pp | |
| 2.328 % | -0.027 pp | |
| 2.355 % | -0.014 pp | |
| 2.369 % | +0.004 pp | |
| 2.365 % | -0.002 pp | |
| 2.367 % | -0.019 pp | |
| 2.386 % | -0.001 pp | |
| 2.387 % | -0.024 pp | |
| 2.411 % | -0.015 pp | |
| 2.426 % | -0.030 pp | |
| 2.456 % | -0.022 pp | |
| 2.478 % | -0.023 pp | |
| 2.501 % | -0.026 pp | |
| 2.527 % | -0.026 pp | |
| 2.553 % | +0.006 pp | |
| 2.547 % | +0.018 pp | |
| 2.529 % | +0.018 pp | |
| 2.511 % | +0.007 pp | |
| 2.504 % | +0.013 pp | |
| 2.491 % | +0.027 pp | |
| 2.464 % | 0.000 pp | |
| 2.464 % | -0.021 pp | |
| 2.485 % | -0.014 pp | |
| 2.499 % | -0.031 pp | |
| 2.530 % | +0.009 pp | |
| 2.521 % | 0.000 pp | |
| 2.521 % | -0.013 pp | |
| 2.534 % | +0.005 pp | |
| 2.529 % | +0.013 pp | |
| 2.516 % | +0.006 pp | |
| 2.510 % | -0.012 pp | |
| 2.522 % | -0.034 pp | |
| 2.556 % | +0.003 pp | |
| 2.553 % | +0.014 pp | |
| 2.539 % | +0.013 pp | |
| 2.526 % | -0.001 pp | |
| 2.527 % | -0.008 pp | |
| 2.535 % | +0.006 pp | |
| 2.529 % | -0.012 pp | |
| 2.541 % | -0.021 pp | |
| 2.562 % | -0.027 pp | |
| 2.589 % | -0.017 pp | |
| 2.606 % | -0.006 pp | |
| 2.612 % | -0.003 pp | |
| 2.615 % | -0.026 pp | |
| 2.641 % | 0.000 pp | |
| 2.641 % | -0.032 pp | |
| 2.673 % | +0.002 pp | |
| 2.671 % | -0.010 pp | |
| 2.681 % | +0.004 pp | |
| 2.677 % | -0.027 pp | |
| 2.704 % | -0.040 pp | |
| 2.744 % | -0.004 pp | |
| 2.748 % | -0.013 pp | |
| 2.761 % | -0.024 pp | |
| 2.785 % | +0.019 pp | |
| 2.766 % | -0.023 pp | |
| 2.789 % | +0.007 pp | |
| 2.782 % | -0.003 pp | |
| 2.785 % | +0.028 pp | |
| 2.757 % | +0.026 pp | |
| 2.731 % | -0.005 pp | |
| 2.736 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What was the average 3-month Euribor in 2025?
2.514 %. The low was 2.183 % on 17 April 2025 and the high 2.789 % on 9 January 2025.