6-month Euribor – April 2023
The average 6-month Euribor for April 2023 is 3.516 %, computed from 18 daily fixings (complete). The month opened at 3.335 %, closed at 3.645 %, with a low of 3.335 % and a high of 3.648 %. Versus March 2023 the average is up +0.248 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in April on the 6-month Euribor plus 1 pp would pay 4.52 % 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.
April 2023
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 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 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for April 2023?
3.516 %, computed from 18 daily fixings. The ECB's official monthly average is 3.516 %.
My mortgage revises with the April average – what rate applies?
Reference 3.516 % plus your contractual spread; with a 1 pp spread the new rate is 4.52 %. 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