Current Euribor rate — which number is “today”?

Guide · 12-month Euribor · Euribor.site

People type “current Euribor rate”, “Euribor today” and “12 month Euribor” meaning one thing: the number they can copy. There are three candidates on this site. Using the wrong one is how a payment letter and a website appear to fight.

Last daily 12-month fixing: the hero figure on the home page and on Euribor today. It has a date. On Saturday it is still Friday’s print.

Month-to-date average: mean of this month’s prints so far. Useful as a preview. Not the legal month until the month closes — unless the deed says otherwise.

Key: most euro-area floating household loans use a closed monthly average of 12-month Euribor, plus a spread. “Current rate” in a search box is usually the daily print. “Current rate” in a reset letter is usually last month’s mean.
Interest-rate chart used to read the current 12-month Euribor

Last closed month: the finished average in the monthly file (from January 1999). That is the row to copy when a letter names “Euribor 12 months of July 2026” or whichever month the clause picked.

Publication is a TARGET business morning, Central European Time. “Current” is not a 24/7 tick. If you need the live table, open it after the usual window rather than refreshing at 07:00.

A U.S. reader asking for the “current rate” may want SOFR or a 30-year mortgage ad. Those are different markets. Map them here: Euribor vs SOFR.

Before you paste any figure into a spreadsheet, write the tenor (12 months), the clock (daily / MTD / closed month) and the date. Three labels stop most arguments.

Then use a tool: add the spread, see a +0.25 / +0.50 euro delta, or rebuild the payment.

Administrator: EMMI. This page is a display layer with a cache. If two sites disagree, compare dates and tenors first.

Related: what Euribor is, how the average is built, who publishes.

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