3-month Euribor – August 2025
The average 3-month Euribor for August 2025 is 2.021 %, computed from 21 daily fixings (complete). The month opened at 1.994 %, closed at 2.061 %, with a low of 1.973 % and a high of 2.061 %. Versus July 2025 the average is up +0.035 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in August on the 3-month Euribor plus 1 pp would pay 3.02 % 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.
August 2025
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.061 % | +0.014 pp | |
| 2.047 % | +0.015 pp | |
| 2.032 % | +0.010 pp | |
| 2.022 % | +0.001 pp | |
| 2.021 % | +0.004 pp | |
| 2.017 % | -0.009 pp | |
| 2.026 % | -0.008 pp | |
| 2.034 % | 0.000 pp | |
| 2.034 % | +0.006 pp | |
| 2.028 % | +0.002 pp | |
| 2.026 % | -0.008 pp | |
| 2.034 % | -0.002 pp | |
| 2.036 % | +0.007 pp | |
| 2.029 % | 0.000 pp | |
| 2.029 % | +0.010 pp | |
| 2.019 % | +0.016 pp | |
| 2.003 % | +0.019 pp | |
| 1.984 % | +0.011 pp | |
| 1.973 % | -0.021 pp | |
| 1.994 % | 0.000 pp | |
| 1.994 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for August 2025?
2.021 %, computed from 21 daily fixings. The ECB's official monthly average is 2.021 %.
My mortgage revises with the August average – what rate applies?
Reference 2.021 % plus your contractual spread; with a 1 pp spread the new rate is 3.02 %. 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