6-month Euribor – November 2025
The average 6-month Euribor for November 2025 is 2.131 %, computed from 20 daily fixings (complete). The month opened at 2.142 %, closed at 2.110 %, with a low of 2.110 % and a high of 2.155 %. Versus October 2025 the average is up +0.025 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in November on the 6-month Euribor plus 1 pp would pay 3.13 % 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.
November 2025
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.110 % | -0.005 pp | |
| 2.115 % | -0.002 pp | |
| 2.117 % | -0.004 pp | |
| 2.121 % | +0.001 pp | |
| 2.120 % | -0.003 pp | |
| 2.123 % | -0.011 pp | |
| 2.134 % | -0.015 pp | |
| 2.149 % | -0.006 pp | |
| 2.155 % | +0.014 pp | |
| 2.141 % | 0.000 pp | |
| 2.141 % | -0.005 pp | |
| 2.146 % | +0.007 pp | |
| 2.139 % | +0.012 pp | |
| 2.127 % | +0.004 pp | |
| 2.123 % | -0.001 pp | |
| 2.124 % | -0.005 pp | |
| 2.129 % | -0.001 pp | |
| 2.130 % | -0.004 pp | |
| 2.134 % | -0.008 pp | |
| 2.142 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for November 2025?
2.131 %, computed from 20 daily fixings. The ECB's official monthly average is 2.131 %.
My mortgage revises with the November average – what rate applies?
Reference 2.131 % plus your contractual spread; with a 1 pp spread the new rate is 3.13 %. 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