3-month Euribor – July 2025
The average 3-month Euribor for July 2025 is 1.986 %, computed from 23 daily fixings (complete). The month opened at 1.961 %, closed at 2.008 %, with a low of 1.937 % and a high of 2.042 %. Versus June 2025 the average is up +0.003 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in July on the 3-month Euribor plus 1 pp would pay 2.99 % 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.
July 2025
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.008 % | -0.009 pp | |
| 2.017 % | -0.009 pp | |
| 2.026 % | +0.010 pp | |
| 2.016 % | +0.045 pp | |
| 1.971 % | +0.023 pp | |
| 1.948 % | +0.009 pp | |
| 1.939 % | -0.005 pp | |
| 1.944 % | -0.027 pp | |
| 1.971 % | -0.024 pp | |
| 1.995 % | -0.029 pp | |
| 2.024 % | +0.003 pp | |
| 2.021 % | -0.021 pp | |
| 2.042 % | +0.001 pp | |
| 2.041 % | +0.015 pp | |
| 2.026 % | +0.025 pp | |
| 2.001 % | +0.032 pp | |
| 1.969 % | +0.021 pp | |
| 1.948 % | +0.004 pp | |
| 1.944 % | -0.035 pp | |
| 1.979 % | +0.042 pp | |
| 1.937 % | -0.021 pp | |
| 1.958 % | -0.003 pp | |
| 1.961 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for July 2025?
1.986 %, computed from 23 daily fixings. The ECB's official monthly average is 1.986 %.
My mortgage revises with the July average – what rate applies?
Reference 1.986 % plus your contractual spread; with a 1 pp spread the new rate is 2.99 %. 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