Who publishes Euribor?

Guide · 12-month Euribor · Euribor.site

The European Money Markets Institute publishes Euribor. That is the administrator. Everything else — this site, Global-Rates, bank apps, newspaper widgets — is a display layer. Display layers can lag, cache, or round. They do not become the administrator by looking official.

Euribor.site loads two public JSON files also used by irph.es: a daily 12-month map and a monthly 12-month map from January 1999. PHP stores a local cache. If the remote host times out, you still see the last good file, with the date attached to the last key.

Key: for a dispute, a notary or an auditor, cite the source your contract names. A PNG of our hero number is a convenience, not an exhibit unless a lawyer says otherwise.

Publication follows the TARGET business-day calendar, late morning Central European Time. No print on weekends or TARGET holidays. “As of today” on a Saturday is still Friday until the next window.

Euribor® is a registered trademark of EMMI. Commercial reuse of the brand and of the data can require a licence. This website is informational. It is not endorsed by EMMI or the ECB.

National central banks and gazettes sometimes republish monthly averages for domestic legal systems. That republication can arrive days after month-end. Economically the average may match our monthly file. Legally the citation may be the gazette PDF. Both facts can be true together.

What we refuse to invent

We do not type a 1-month or 3-month live strip unless a second documented feed is wired. Global-Rates shows those tenors from its collection. Until we have the same discipline, a fake multi-tenor dashboard would only impress people who never click a source.

We do not invent 1998 monthly averages. The file starts in January 1999. The long chart starts there.

We do not publish a point forecast dressed as a fixing. Scenarios live in the stress tool as round shocks to the latest print.

Key: cache plus a visible date beats a blank page. If the date looks old, hit refresh after checking that data/cache is writable on the server.

EMMI: emmi-benchmarks.eu. Our endpoints: /api/daily.php and /api/monthly.php.

Security.txt and cookie consent live on this host so advertising scripts do not load until you allow them. That is separate from the rate feed. Turning ads off does not freeze Euribor.

If you syndicate our numbers internally, store the timestamp you fetched. Tomorrow’s argument about “what the site said” is really an argument about when you looked.

Redistribution chains fail in boring ways: a CDN holding an old JSON, a browser tab left open since Monday, a mobile app that updates on launch only. When two screens disagree, compare timestamps before comparing friends’ theories about the ECB.

Field guide: when two websites disagree

Compare dates first. One site on Thursday’s print and one site still showing Wednesday is not a conspiracy.

Compare tenors. A 3-month widget next to our 12-month hero will never match. That is correct behaviour.

Compare rounding. 2.940 versus 2.94 is cosmetics. 2.940 versus 3.040 is a different day or a typo.

On this host, if numbers freeze, check that PHP can reach irph.es and that data/cache is writable. Then call /api/daily.php directly. If JSON is fresh there but the homepage is stale, you are looking at a cached tab.

If the disagreement is a legal one, stop collecting websites. Collect the clause and the official series named in the clause. Extra tabs weaken your file.

Redistributors go down. Official administrators less often. Bookmark EMMI even if you prefer our charts for daily reading.

AdSense, cookies and rate data are separate pipes. Blocking ads does not change the JSON. Blocking JSON does not change the cookie banner. Diagnose the pipe that actually failed.

Write the fetch time in any internal copy-paste. Future-you will not remember whether the number came from Monday 11:05 or Monday 16:40.

Attribution line we use: 12-month values loaded from the irph.es JSON feed, administrator EMMI. If you reprint us, keep both names. Dropping EMMI makes a mirror look like an origin.

File map: includes/data.php fetches, data/cache stores, /api/*.php exposes JSON to the charts. When something breaks, walk that map before rewriting the homepage.

Keep a paper strip next to the screen: tenor, month, average, spread, payment. Every extra tab you open without filling that strip is entertainment. Fill the strip first, then read commentary. The strip is the product; the commentary is optional.

When in doubt, open the history chart from January 1999 and sit with it for a minute. Long context lowers the temperature of any single print, including the one in the hero box today.

Operational test after deploy: load homepage, confirm hero date equals the last key in /api/daily.php, confirm history chart has January 1999 as first label. If any of the three fails, fix data.php before writing more prose.

Licence reminder stays in the footer on every page. Do not strip it to look cleaner. Cleaner without attribution is how redistributors get letters they dislike.

First publish after a TARGET holiday: expect the daily file to skip that date. A missing Thursday is a closed market, not a crashed cron.

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