6-month Euribor in 2023
In 2023 the 6-month Euribor averaged 3.694 %. It started the year at 2.732 %, ended at 3.861 %, and moved between a low of 2.732 % (2 January 2023) and a high of 4.143 % (18 October 2023). Compared with 2022, the yearly average was up +2.994 pp.
The table lists every monthly average of 2023, which is the figure most mortgage contracts use for a revision, followed by the daily fixings that make up those averages. Values before 2006 are the ECB's official monthly averages, because daily fixings from the Bank of Finland series start in January 2006.
In 2023 the monthly averages of the 6-month Euribor were: January 2.858 %, February 3.135 %, March 3.267 %, April 3.516 %, May 3.682 %, June 3.825 %, July 3.942 %, August 3.944 %, September 4.030 %, October 4.115 %, November 4.065 %, December 3.927 %.
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.
2023
Source: Bank of Finland. Published with a 24-hour delay.
Months
| Month | Average | Low | High | First | Last | Days | ECB avg |
|---|---|---|---|---|---|---|---|
| January | 2.858 % | 2.732 % | 2.988 % | 2.732 % | 2.988 % | 22 | 2.858 % |
| February | 3.135 % | 3.008 % | 3.290 % | 3.009 % | 3.290 % | 20 | 3.135 % |
| March | 3.267 % | 2.985 % | 3.461 % | 3.311 % | 3.341 % | 23 | 3.267 % |
| April | 3.516 % | 3.335 % | 3.648 % | 3.335 % | 3.645 % | 18 | 3.516 % |
| May | 3.682 % | 3.575 % | 3.781 % | 3.622 % | 3.746 % | 22 | 3.682 % |
| June | 3.825 % | 3.715 % | 3.933 % | 3.721 % | 3.900 % | 22 | 3.825 % |
| July | 3.942 % | 3.888 % | 3.972 % | 3.913 % | 3.929 % | 21 | 3.942 % |
| August | 3.944 % | 3.921 % | 3.987 % | 3.948 % | 3.987 % | 23 | 3.944 % |
| September | 4.030 % | 3.929 % | 4.136 % | 3.934 % | 4.125 % | 21 | 4.030 % |
| October | 4.115 % | 4.092 % | 4.143 % | 4.138 % | 4.092 % | 22 | 4.115 % |
| November | 4.065 % | 4.026 % | 4.097 % | 4.081 % | 4.029 % | 22 | 4.065 % |
| December | 3.927 % | 3.861 % | 4.004 % | 4.004 % | 3.861 % | 19 | 3.927 % |
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 3.861 % | -0.016 pp | |
| 3.877 % | -0.008 pp | |
| 3.885 % | -0.010 pp | |
| 3.895 % | -0.004 pp | |
| 3.899 % | -0.025 pp | |
| 3.924 % | +0.002 pp | |
| 3.922 % | +0.018 pp | |
| 3.904 % | -0.008 pp | |
| 3.912 % | -0.026 pp | |
| 3.938 % | -0.007 pp | |
| 3.945 % | -0.015 pp | |
| 3.960 % | +0.005 pp | |
| 3.955 % | +0.020 pp | |
| 3.935 % | -0.013 pp | |
| 3.948 % | -0.002 pp | |
| 3.950 % | -0.003 pp | |
| 3.953 % | +0.008 pp | |
| 3.945 % | -0.059 pp | |
| 4.004 % | -0.025 pp | |
| 4.029 % | -0.021 pp | |
| 4.050 % | +0.024 pp | |
| 4.026 % | -0.024 pp | |
| 4.050 % | -0.024 pp | |
| 4.074 % | +0.012 pp | |
| 4.062 % | -0.001 pp | |
| 4.063 % | -0.007 pp | |
| 4.070 % | +0.012 pp | |
| 4.058 % | -0.006 pp | |
| 4.064 % | -0.007 pp | |
| 4.071 % | -0.005 pp | |
| 4.076 % | -0.021 pp | |
| 4.097 % | +0.012 pp | |
| 4.085 % | +0.011 pp | |
| 4.074 % | +0.019 pp | |
| 4.055 % | -0.011 pp | |
| 4.066 % | -0.006 pp | |
| 4.072 % | +0.006 pp | |
| 4.066 % | +0.004 pp | |
| 4.062 % | -0.010 pp | |
| 4.072 % | -0.009 pp | |
| 4.081 % | -0.011 pp | |
| 4.092 % | -0.017 pp | |
| 4.109 % | +0.007 pp | |
| 4.102 % | -0.003 pp | |
| 4.105 % | +0.013 pp | |
| 4.092 % | -0.010 pp | |
| 4.102 % | +0.006 pp | |
| 4.096 % | -0.011 pp | |
| 4.107 % | -0.019 pp | |
| 4.126 % | -0.017 pp | |
| 4.143 % | +0.025 pp | |
| 4.118 % | +0.015 pp | |
| 4.103 % | -0.018 pp | |
| 4.121 % | 0.000 pp | |
| 4.121 % | +0.007 pp | |
| 4.114 % | +0.002 pp | |
| 4.112 % | -0.017 pp | |
| 4.129 % | +0.016 pp | |
| 4.113 % | -0.012 pp | |
| 4.125 % | -0.005 pp | |
| 4.130 % | +0.002 pp | |
| 4.128 % | -0.010 pp | |
| 4.138 % | +0.013 pp | |
| 4.125 % | 0.000 pp | |
| 4.125 % | -0.011 pp | |
| 4.136 % | +0.046 pp | |
| 4.090 % | -0.032 pp | |
| 4.122 % | +0.040 pp | |
| 4.082 % | +0.010 pp | |
| 4.072 % | +0.002 pp | |
| 4.070 % | -0.001 pp | |
| 4.071 % | +0.005 pp | |
| 4.066 % | +0.011 pp | |
| 4.055 % | +0.015 pp | |
| 4.040 % | +0.041 pp | |
| 3.999 % | +0.031 pp | |
| 3.968 % | -0.002 pp | |
| 3.970 % | +0.018 pp | |
| 3.952 % | +0.014 pp | |
| 3.938 % | +0.009 pp | |
| 3.929 % | -0.009 pp | |
| 3.938 % | -0.017 pp | |
| 3.955 % | +0.021 pp | |
| 3.934 % | -0.053 pp | |
| 3.987 % | +0.031 pp | |
| 3.956 % | +0.012 pp | |
| 3.944 % | 0.000 pp | |
| 3.944 % | +0.009 pp | |
| 3.935 % | +0.003 pp | |
| 3.932 % | -0.021 pp | |
| 3.953 % | +0.002 pp | |
| 3.951 % | +0.010 pp | |
| 3.941 % | -0.003 pp | |
| 3.944 % | +0.003 pp | |
| 3.941 % | -0.023 pp | |
| 3.964 % | +0.021 pp | |
| 3.943 % | -0.014 pp | |
| 3.957 % | +0.029 pp | |
| 3.928 % | -0.009 pp | |
| 3.937 % | +0.010 pp | |
| 3.927 % | +0.006 pp | |
| 3.921 % | -0.028 pp | |
| 3.949 % | +0.009 pp | |
| 3.940 % | +0.003 pp | |
| 3.937 % | -0.007 pp | |
| 3.944 % | -0.004 pp | |
| 3.948 % | +0.019 pp | |
| 3.929 % | -0.029 pp | |
| 3.958 % | -0.014 pp | |
| 3.972 % | +0.020 pp | |
| 3.952 % | -0.014 pp | |
| 3.966 % | -0.006 pp | |
| 3.972 % | 0.000 pp | |
| 3.972 % | +0.020 pp | |
| 3.952 % | +0.015 pp | |
| 3.937 % | -0.025 pp | |
| 3.962 % | 0.000 pp | |
| 3.962 % | +0.021 pp | |
| 3.941 % | -0.004 pp | |
| 3.945 % | -0.010 pp | |
| 3.955 % | +0.015 pp | |
| 3.940 % | +0.009 pp | |
| 3.931 % | -0.014 pp | |
| 3.945 % | +0.040 pp | |
| 3.905 % | +0.010 pp | |
| 3.895 % | +0.007 pp | |
| 3.888 % | -0.025 pp | |
| 3.913 % | +0.013 pp | |
| 3.900 % | +0.008 pp | |
| 3.892 % | -0.038 pp | |
| 3.930 % | +0.015 pp | |
| 3.915 % | +0.007 pp | |
| 3.908 % | -0.025 pp | |
| 3.933 % | +0.026 pp | |
| 3.907 % | +0.021 pp | |
| 3.886 % | -0.006 pp | |
| 3.892 % | +0.031 pp | |
| 3.861 % | +0.039 pp | |
| 3.822 % | +0.004 pp | |
| 3.818 % | +0.028 pp | |
| 3.790 % | -0.004 pp | |
| 3.794 % | +0.041 pp | |
| 3.753 % | -0.009 pp | |
| 3.762 % | +0.005 pp | |
| 3.757 % | +0.024 pp | |
| 3.733 % | +0.018 pp | |
| 3.715 % | -0.024 pp | |
| 3.739 % | +0.011 pp | |
| 3.728 % | +0.007 pp | |
| 3.721 % | -0.025 pp | |
| 3.746 % | -0.024 pp | |
| 3.770 % | -0.011 pp | |
| 3.781 % | +0.021 pp | |
| 3.760 % | -0.009 pp | |
| 3.769 % | +0.025 pp | |
| 3.744 % | +0.012 pp | |
| 3.732 % | +0.018 pp | |
| 3.714 % | +0.007 pp | |
| 3.707 % | +0.020 pp | |
| 3.687 % | +0.016 pp | |
| 3.671 % | +0.013 pp | |
| 3.658 % | -0.005 pp | |
| 3.663 % | +0.025 pp | |
| 3.638 % | +0.009 pp | |
| 3.629 % | +0.004 pp | |
| 3.625 % | +0.017 pp | |
| 3.608 % | +0.003 pp | |
| 3.605 % | +0.030 pp | |
| 3.575 % | -0.076 pp | |
| 3.651 % | +0.007 pp | |
| 3.644 % | +0.022 pp | |
| 3.622 % | -0.023 pp | |
| 3.645 % | +0.027 pp | |
| 3.618 % | -0.030 pp | |
| 3.648 % | +0.013 pp | |
| 3.635 % | -0.002 pp | |
| 3.637 % | +0.036 pp | |
| 3.601 % | -0.011 pp | |
| 3.612 % | +0.025 pp | |
| 3.587 % | +0.025 pp | |
| 3.562 % | -0.016 pp | |
| 3.578 % | +0.068 pp | |
| 3.510 % | +0.020 pp | |
| 3.490 % | +0.060 pp | |
| 3.430 % | +0.074 pp | |
| 3.356 % | +0.017 pp | |
| 3.339 % | 0.000 pp | |
| 3.339 % | -0.020 pp | |
| 3.359 % | +0.024 pp | |
| 3.335 % | -0.006 pp | |
| 3.341 % | +0.029 pp | |
| 3.312 % | +0.022 pp | |
| 3.290 % | +0.021 pp | |
| 3.269 % | +0.030 pp | |
| 3.239 % | -0.042 pp | |
| 3.281 % | -0.009 pp | |
| 3.290 % | +0.076 pp | |
| 3.214 % | +0.143 pp | |
| 3.071 % | -0.024 pp | |
| 3.095 % | +0.040 pp | |
| 3.055 % | +0.070 pp | |
| 2.985 % | -0.146 pp | |
| 3.131 % | +0.096 pp | |
| 3.035 % | -0.340 pp | |
| 3.375 % | -0.070 pp | |
| 3.445 % | -0.016 pp | |
| 3.461 % | +0.010 pp | |
| 3.451 % | +0.033 pp | |
| 3.418 % | +0.055 pp | |
| 3.363 % | +0.010 pp | |
| 3.353 % | -0.013 pp | |
| 3.366 % | +0.055 pp | |
| 3.311 % | +0.021 pp | |
| 3.290 % | +0.048 pp | |
| 3.242 % | +0.009 pp | |
| 3.233 % | +0.035 pp | |
| 3.198 % | +0.001 pp | |
| 3.197 % | -0.028 pp | |
| 3.225 % | +0.033 pp | |
| 3.192 % | -0.020 pp | |
| 3.212 % | +0.020 pp | |
| 3.192 % | +0.026 pp | |
| 3.166 % | +0.031 pp | |
| 3.135 % | +0.033 pp | |
| 3.102 % | +0.022 pp | |
| 3.080 % | -0.023 pp | |
| 3.103 % | +0.049 pp | |
| 3.054 % | +0.025 pp | |
| 3.029 % | +0.021 pp | |
| 3.008 % | -0.003 pp | |
| 3.011 % | -0.018 pp | |
| 3.029 % | +0.020 pp | |
| 3.009 % | +0.021 pp | |
| 2.988 % | +0.029 pp | |
| 2.959 % | +0.017 pp | |
| 2.942 % | +0.020 pp | |
| 2.922 % | -0.006 pp | |
| 2.928 % | +0.006 pp | |
| 2.922 % | +0.005 pp | |
| 2.917 % | +0.022 pp | |
| 2.895 % | +0.038 pp | |
| 2.857 % | +0.025 pp | |
| 2.832 % | -0.046 pp | |
| 2.878 % | +0.035 pp | |
| 2.843 % | -0.033 pp | |
| 2.876 % | +0.058 pp | |
| 2.818 % | -0.040 pp | |
| 2.858 % | +0.038 pp | |
| 2.820 % | +0.011 pp | |
| 2.809 % | +0.004 pp | |
| 2.805 % | +0.033 pp | |
| 2.772 % | +0.011 pp | |
| 2.761 % | +0.022 pp | |
| 2.739 % | +0.007 pp | |
| 2.732 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What was the average 6-month Euribor in 2023?
3.694 %. The low was 2.732 % on 2 January 2023 and the high 4.143 % on 18 October 2023.