12-month Euribor rate — live tables and long history

Euribor.site is built for English-language searches: Euribor today, 12-month Euribor, historical rates and simple calculators. We do not invent unofficial “all tenors” if this feed only carries the 12-month series used for most euro-area retail mortgages.

This month — daily 12-month fixings

History from January 1999 — monthly 12-month averages

The 12-month Euribor monthly series in the official-style feed starts in January 1999 (first full months after the euro). There is no complete 1998 monthly average in that file, so we do not draw invented 1998 bars. Slide a finger or the pointer along the line: the label should appear on the nearest month without needing to hit a tiny dot.

What the three numbers on this page are for

The large figure is the last daily 12-month Euribor fixing in the feed. Search phrases such as “Euribor today”, “current Euribor rate” and “12 month Euribor” usually want that print, with its date.

The month-to-date average is the arithmetic mean of this calendar month’s fixings so far. It moves when a new business day is published. A loan reset that names “the average of month M” should not use only this morning’s tick while the month is still open — unless the deed says so.

The last closed month is the finished average stored in the monthly file that begins in January 1999. That is the number most euro-area floating-rate household contracts still point to when they say “12-month Euribor of [month].”

English-language traffic often arrives from the United States and other non-euro countries. If you hold dollar debt, start with Euribor vs SOFR. If you hold a euro loan, stay on this table and open how Euribor affects a loan.

EMMI publishes the benchmark. This site mirrors the 12-month series used by irph.es, caches it, and draws the charts. Official methodology: emmi-benchmarks.eu. We do not invent 1-month or 3-month live strips without a second documented feed.

The long chart is closed-month averages from January 1999. You can see the 2008 peak, the negative years and the 2022–23 climb without a narrator inventing turning points. Touch or hover a month to read the label.

The tools below apply a simple French amortization formula to the latest print plus a spread you type. They are illustrations, not a bank’s payment engine. Use current Euribor rate if you only need to know which figure to copy today.

Tools

Read next

What is Euribor? · Current Euribor rate · How it affects a loan · How it is calculated · vs €STR · vs SOFR · Forecasts