3-month Euribor – May 2026
The average 3-month Euribor for May 2026 is 2.225 %, computed from 19 daily fixings (complete). The month opened at 2.200 %, closed at 2.268 %, with a low of 2.181 % and a high of 2.283 %. Versus April 2026 the average is up +0.050 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in May on the 3-month Euribor plus 1 pp would pay 3.23 % for the coming period.
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.
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.
May 2026
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.268 % | +0.037 pp | |
| 2.231 % | +0.002 pp | |
| 2.229 % | +0.039 pp | |
| 2.190 % | -0.014 pp | |
| 2.204 % | 0.000 pp | |
| 2.204 % | +0.009 pp | |
| 2.195 % | +0.014 pp | |
| 2.181 % | -0.020 pp | |
| 2.201 % | -0.018 pp | |
| 2.219 % | -0.013 pp | |
| 2.232 % | -0.051 pp | |
| 2.283 % | +0.031 pp | |
| 2.252 % | -0.002 pp | |
| 2.254 % | +0.020 pp | |
| 2.234 % | -0.014 pp | |
| 2.248 % | +0.008 pp | |
| 2.240 % | +0.022 pp | |
| 2.218 % | +0.018 pp | |
| 2.200 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for May 2026?
2.225 %, computed from 19 daily fixings. The ECB's official monthly average is 2.226 %.
My mortgage revises with the May average – what rate applies?
Reference 2.225 % plus your contractual spread; with a 1 pp spread the new rate is 3.23 %. Check whether your contract uses the previous month or the month before that.
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay. 07/09/2026