Current 12-month Euribor rate (daily fixing). This page is the English “Euribor daily / Euribor rate today” table. It is an interest-rate benchmark, not a currency quote.
12-month Euribor · last published fixing
3.213 %
October 8, 2026 · ↑ +0.019
vs October 7, 2026
Euribor daily
3.213 %
October 8, 2026
Vs previous fixing
+0.019
up
Month-to-date average
3.233 %
Until October 8, 2026 · 6 days
Key: “Euribor today” is the last TARGET business-day print, published around 11:00 CET. A mortgage reset usually uses a monthly average, not this single tick. See which number to copy.
Euribor fixing time: every TARGET day at or shortly after 11:00 Central European Time. No new print on weekends or TARGET holidays. Saturday still shows Friday.
This URL already collects most impressions on the site. The query cluster is “Euribor today”, “Euribor daily”, “Euribor rate today”. All three want the last 12-month TARGET print.
Key: the big number is a daily fixing. A reset letter usually wants last month’s average. Both live on this site; they are not the same cell.
The large figure is the last TARGET 12-month print. It is not a 24-hour ticker and it is not an exchange rate.
After 11:00 CET on a business day the figure updates. Before that window you are looking at the previous TARGET morning. Weekends stay on Friday. Fixing time.
Key: a loan reset almost never uses this single tick. It uses a monthly average named in the contract, plus the spread.
“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. €150,000 left, 25 years, spread 0.90. Old closed month 2.200 percent gives an all-in rate of 3.100 percent. New closed month 3.100 percent gives 4.000 percent. The payment steps by a little more than a hundred euros on that sketch. Your loan will differ. The shape will not. Run it in loan impact 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, the daily-versus-average tool exists for that morning.
A U.S. search for “current mortgage rate” is a different product. Thirty-year fixed quotes and SOFR overnight are not 12-month Euribor. If your loan is in euro, stay here. If your loan is in dollars, leave this page after the SOFR map.
Order of operations. Read the letter. Underline the month. Open history. 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, not until you owe the bank an answer.
The French annuity is dull on purpose. Each month you pay interest on what is still owed and you repay a slice of principal. When the all-in rate rises, more of the payment is interest at first and the payment itself is larger. When the all-in rate falls, the opposite happens unless a floor in the deed stops the fall.
All-in rate equals the 12-month Euribor clock the clause named plus the contractual spread. The spread does not move in an ordinary annual review. Only the index clock moves. Changing the spread is a negotiation. Changing the index is a calendar.
Sketch you can reuse. One hundred and fifty thousand euros outstanding, twenty-five years, spread 0.90. Old closed Euribor 2.200 percent becomes 3.100 percent all-in. New closed Euribor 3.100 percent becomes 4.000 percent all-in. The monthly payment steps up by a little more than a hundred euros. Enter your own principal. Do not trust a napkin for a letter to the bank.
A floor of zero means a negative index does not drag the all-in rate below the spread. Caps work the other way. Insurance, filing fees and early-repayment commissions sit outside the formula on this site. Add them by hand after the calculator, never inside the Euribor box.
Annual review versus six-month review changes which month you copy, not the formula. A six-month review uses two closed months a year. An annual review uses one. Comparing a six-month review with last year’s daily print is how rumours start.
Informational only. Not a bank engine. Administrator of the index: EMMI. Payment tool: loan impact. Three-clock check: daily versus average. Method page: how Euribor is calculated.
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