Euribor rates from the fixing of Wednesday 7 October 2026, with the change from the day before, a chart of the past year and what it means for a variable-rate mortgage payment. The page updates itself every working day.
In the fixing of Wednesday 7 October 2026, the 3-month Euribor rose 3.4 bp to 2.636%. Over the past month it has fallen 3.3 bp: on 7 September 2026 it stood at 2.669%. Over the past twelve months it has ranged from a low of 1.981% (10 February 2026) to a high of 2.682% (15 September 2026).
The 12-month Euribor (3.194%) is 56 basis points above the 3-month rate. When the longer maturity pays more than the shorter one, the market is not expecting rate cuts in the coming months: if anything, stable or slightly higher rates.
On a 20-year variable-rate mortgage of €100,000 tied to the 3-month Euribor with a 1% margin, the monthly payment at the latest fixing is about €587: €31 more than a year ago, when the index stood at 2.029%.
| Rate | Value | Day | Week | Month | Year |
|---|---|---|---|---|---|
| Euribor 1 week | 2.430% | −0.7 bp | +0.6 bp | +27.4 bp | +53.2 bp |
| Euribor 1 month | 2.443% | +1.9 bp | −5.3 bp | +6.3 bp | +54.6 bp |
| Euribor 3 months | 2.636% | +3.4 bp | +1.9 bp | −3.3 bp | +60.7 bp |
| Euribor 6 months | 2.947% | −0.7 bp | −12.7 bp | +15.0 bp | +84.1 bp |
| Euribor 12 months | 3.194% | +1.7 bp | −13.5 bp | +7.8 bp | +97.1 bp |
| €STR (7 October 2026) | 2.439% | unchanged | +0.2 bp | +25.1 bp | +51.3 bp |
━ 3-month Euribor ━ 12-month Euribor
The same, on your phone. Euribor X shows every day's fixings with historical charts and a mortgage simulator, even offline. Free on iPhone and iPad.
To explore the full history and compare it with the ECB rate, there is the ECB & Euribor dashboard (in Italian).
It is the average rate at which the main banks in the euro area lend to each other without collateral. The EMMI (European Money Markets Institute) calculates it every working day for five maturities: 1 week and 1, 3, 6 and 12 months. In Italy, Spain, Portugal and other euro countries, most variable-rate mortgages and loans are tied to it.
It is in your contract, where the interest rate is described: usually a 1, 3, 6 or 12-month Euribor plus a fixed margin set by the bank. The contract also says how often the payment is reset and which fixing is used, for example the previous month's average or the value on a specific day.
The EMMI publishes Euribor every TARGET working day, around 11:00 Brussels time. This page updates automatically once the new fixing is available in the public data, normally by the following working day. No fixing is published at weekends or on TARGET holidays.
It is the overnight rate of the euro money market, calculated by the European Central Bank. It measures the cost of money from one day to the next and is the benchmark closest to ECB decisions; the 1-week Euribor moves around it.
Basis points: one hundredth of a percentage point. If Euribor goes from 2.620% to 2.633%, it has risen by 1.3 basis points.