3-month Euribor – February 2026
The average 3-month Euribor for February 2026 is 2.011 %, computed from 20 daily fixings (complete). The month opened at 2.022 %, closed at 2.013 %, with a low of 1.981 % and a high of 2.041 %. Versus January 2026 the average is down -0.017 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in February on the 3-month Euribor plus 1 pp would pay 3.01 % 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.
February 2026
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.013 % | 0.000 pp | |
| 2.013 % | +0.002 pp | |
| 2.011 % | -0.030 pp | |
| 2.041 % | +0.007 pp | |
| 2.034 % | +0.010 pp | |
| 2.024 % | 0.000 pp | |
| 2.024 % | +0.018 pp | |
| 2.006 % | -0.005 pp | |
| 2.011 % | +0.012 pp | |
| 1.999 % | 0.000 pp | |
| 1.999 % | +0.015 pp | |
| 1.984 % | -0.010 pp | |
| 1.994 % | +0.013 pp | |
| 1.981 % | -0.001 pp | |
| 1.982 % | -0.017 pp | |
| 1.999 % | -0.021 pp | |
| 2.020 % | -0.020 pp | |
| 2.040 % | +0.011 pp | |
| 2.029 % | +0.007 pp | |
| 2.022 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for February 2026?
2.011 %, computed from 20 daily fixings. The ECB's official monthly average is 2.011 %.
My mortgage revises with the February average – what rate applies?
Reference 2.011 % plus your contractual spread; with a 1 pp spread the new rate is 3.01 %. 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