Current Euribor Rates

Understanding Euribor Maturities

Euribor rates are published for five standard maturities: 1 week (1W), 1 month (1M), 3 months (3M), 6 months (6M), and 12 months (12M). Each tenor represents the average interest rate at which European banks lend to one another for that specific period. The maturity you see on your loan or mortgage corresponds to how often your rate resets. For example, a mortgage linked to 6 month Euribor typically has its interest rate recalculated every six months based on the prevailing 6M rate at that time.

Why 3 Month and 6 Month Euribor Are Most Common

The 3 month and 6 month Euribor tenors are the most widely used benchmarks for variable-rate mortgages and consumer loans in the Eurozone. Banks and borrowers often prefer these tenors because they balance predictability with responsiveness to market changes. A 6 month reset gives borrowers stability for half a year while still allowing them to benefit from rate cuts or adjust to rising rates within a reasonable timeframe. The 3 month Euribor is popular for shorter-term loans and in markets where borrowers want more frequent alignment with market conditions. The 12 month tenor is common for longer-term variable products.

How Rates Are Updated Daily

Euribor rates are published every business day by the European Money Markets Institute (EMMI), typically around 11:00 CET. The rates reflect the previous day's submissions from the panel of banks. Our tables and charts are updated to show the latest published figures as soon as they become available. For historical context, explore our Euribor history and Euribor charts pages.