6-month Euribor – February 2023
The average 6-month Euribor for February 2023 is 3.135 %, computed from 20 daily fixings (complete). The month opened at 3.009 %, closed at 3.290 %, with a low of 3.008 % and a high of 3.290 %. Versus January 2023 the average is up +0.277 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 6-month Euribor plus 1 pp would pay 4.14 % 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.
February 2023
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 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 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for February 2023?
3.135 %, computed from 20 daily fixings. The ECB's official monthly average is 3.135 %.
My mortgage revises with the February average – what rate applies?
Reference 3.135 % plus your contractual spread; with a 1 pp spread the new rate is 4.14 %. 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