3-month Euribor – December 2025
The average 3-month Euribor for December 2025 is 2.050 %, computed from 20 daily fixings (complete). The month opened at 2.060 %, closed at 2.026 %, with a low of 2.002 % and a high of 2.100 %. Versus November 2025 the average is up +0.008 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in December on the 3-month Euribor plus 1 pp would pay 3.05 % 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.
December 2025
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.026 % | +0.010 pp | |
| 2.016 % | -0.003 pp | |
| 2.019 % | +0.001 pp | |
| 2.018 % | -0.004 pp | |
| 2.022 % | +0.020 pp | |
| 2.002 % | -0.033 pp | |
| 2.035 % | -0.014 pp | |
| 2.049 % | -0.008 pp | |
| 2.057 % | -0.015 pp | |
| 2.072 % | -0.010 pp | |
| 2.082 % | -0.018 pp | |
| 2.100 % | +0.018 pp | |
| 2.082 % | -0.006 pp | |
| 2.088 % | +0.019 pp | |
| 2.069 % | -0.006 pp | |
| 2.075 % | +0.020 pp | |
| 2.055 % | +0.026 pp | |
| 2.029 % | -0.014 pp | |
| 2.043 % | -0.017 pp | |
| 2.060 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for December 2025?
2.050 %, computed from 20 daily fixings. The ECB's official monthly average is 2.048 %.
My mortgage revises with the December average – what rate applies?
Reference 2.050 % plus your contractual spread; with a 1 pp spread the new rate is 3.05 %. 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