“Euribor daily” means the last published 12-month fixing, one number per TARGET morning, not a live ticker and not EUR/USD.
Last daily 12-month fixing
3.108 %
September 5, 2026
Daily print
3.108 %
Vs previous TARGET day
+0.000
Month-to-date average
3.084 %
Key: a daily print is one observation. A household loan reset almost always uses a monthly average of those observations. Copying Tuesday into a contract spreadsheet is the usual mix-up.
Euribor daily exists only on TARGET business days. Saturday and Sunday reuse Friday. New Year’s Day, Good Friday, Easter Monday, 1 May, 25 and 26 December are silent too. The calendar is European payments, not a U.S. bank holiday list.
The administrator publishes around 11:00 Central European Time. Refreshing at 07:00 New York or 07:00 London is how people decide “the site is stale” when the print is simply not out yet. See when the fixing lands.
The useful picture is a line of TARGET mornings, not a candlestick of seconds.
The month’s prints sit on Euribor today with a chart. This page is the explanation layer for the same feed: what “daily” is allowed to mean.
“Euribor daily” is not an exchange rate. Queries such as “euribor exchange rate” are a different search. The index is a percent. Why that mix-up happens.
LIBOR for the euro is retired. People still type “euro libor” and land near this site. The live series you want is Euribor, usually the 12-month tenor. Euribor versus LIBOR.
Adding a contractual spread is a second step. The print is not the payment rate. Spread builder and loan impact keep those two numbers apart.
Think of the print as a school bell, not a stock ticker. The bell rings once. Children do not get a second bell at tea time. If you arrive at the yard before the bell, you will still see yesterday’s notice on the door. That is the whole mystery of “stale Euribor” at breakfast in New York.
A week with Easter Monday inside it has fewer prints. The monthly average for that month is still honest if you divide by the count of printed days. It becomes dishonest if you divide by thirty and hide the holiday. The monthly-average tool on this site counts rows. Use it rather than a kitchen calendar.
Desk language sometimes says “fixing” as if a committee were still phoning around. The modern process is a regulated benchmark with a published window. You do not need the methodology PDF to use the number. You need the window so you stop refreshing at 07:00.
Travellers make the same mistake in the other direction. A Monday morning in Singapore can look like Sunday in Madrid. Check the TARGET calendar before you tell a client “there is no print today”. There may already be one, sitting on Euribor today, while you were looking at a local clock.
Practical close. If you watch markets, open this site after noon Madrid. If you pay a loan, ignore the bell and copy the closed month from history. If you write a memo, write the date next to the figure. Three habits. No extra subscription required.
“Current” is doing too much work in English. It can mean the last print, the month so far, or the last finished month. Banks do not use the word that way in a deed. They name a tenor and a month. Borrow that habit. Write “12-month Euribor, closed August 2026” and the argument ends.
Keep one example on the desk. One hundred and fifty thousand euros left, twenty-five years, spread of 0.90. An old closed month at 2.200 percent gives an all-in rate of 3.100 percent. A new closed month at 3.100 percent gives 4.000 percent. The payment steps by a little more than a hundred euros on that sketch. Run your own principal in the loan-impact calculator before you mail anyone.
The daily hero number and the closed month can sit a tenth apart at the start of a month that is moving fast. That is not a bug. That is why the deed picked a clock. If you need to see all three payments at once, open the daily-versus-average tool.
Order of operations for a household morning. Read the letter. Underline the month. Open the history table. Copy that average. Add the spread. Then calculate the payment. The large number on the home page can wait until you are curious about the market.
A good test of any page about Euribor is whether a reader can leave with one sentence they could read to a bank clerk. The sentence is always some version of this: “I am using the twelve-month tenor, the closed month named in my letter, plus the contractual spread.” If a paragraph on this page does not help you say that sentence, skip it. If it does, copy the figure from the matching table and stop shopping for a fourth website.
Couples argue about websites because the websites argue about clocks. Agree the clock first, then open one calculator together. Loan impact is enough for most household letters. Daily-versus-average is enough when someone insists on using this morning’s print. Spread builder is enough when the only missing piece is the margin in the deed.
Keep a short reading list, not a pile. What Euribor is. How it is calculated. Daily versus average. How it affects a loan. Who publishes it. That is five guides. The year files are data. The forecast pages are warnings. The rest is navigation.
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Euribor