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3-month Euribor today

As of

Latest rate

2.766%

Fixing of November 12, 2026

+0.012 pp vs. November 11, 2026

3-month Euribor vs. other maturities

Every maturity still published, on November 12, 2026. The spread is the other maturity minus 3-month Euribor.

TermRate (%)Spread
1-week Euribor2.384%−0.382 pp
1-month Euribor2.479%−0.287 pp
3-month Euribor2.766%—
6-month Euribor3.023%+0.257 pp
12-month Euribor3.293%+0.527 pp

Recent movement

How much 3-month Euribor has changed up to the fixing of November 12, 2026.

PeriodRate thenChange
1 week2.812%−0.046 pp
1 month2.632%+0.134 pp
3 months2.505%+0.261 pp
1 year2.048%+0.718 pp

How 3-month Euribor works in a loan

A loan indexed to 3-month Euribor is repriced every quarter. On each reset date the bank takes the 3-month fixing set shortly before it — your loan agreement says which day — adds your fixed margin, and that rate applies for the next three months.

Because it resets four times a year, a 3-month loan passes a change in Euribor on to your payment sooner than a 6- or 12-month loan: the next reset is never more than three months away. That cuts both ways — falling rates reach you sooner, and so do rising ones.

3-month Euribor follows the ECB's policy rate closely and is the reference most widely used for business loans and interest-rate swaps. The spread to 6-month Euribor in the table above shows what the market charges for lending for one more quarter; when it turns negative, the market usually expects rates to fall.

Payment example

A €200,000 mortgage over 25 years at 3-month Euribor plus a 1.00% margin, repaid in equal monthly instalments:

3-month EuriborLoan rateMonthly paymentvs. today
−0.50 pp3.27%€976−€54
Today (2.766%)3.77%€1,030—
+0.50 pp4.27%€1,085+€55

Illustration only. The loan size, term and margin are assumptions, and your loan agreement decides when and how the rate resets.

Calculate your own payment with 3-month Euribor

Historical Trend

About This Term

The 3 Month Euribor is one of the most widely referenced benchmark rates in the Eurozone. It represents the rate at which banks lend to each other for a period of three months and serves as the benchmark for many variable-rate mortgages, corporate loans, and financial derivatives.

Common Uses

  • Variable-rate mortgages in several European countries
  • Corporate loans and interest rate derivatives

Source and update policy

Euribor® is calculated and published by EMMI. The rates on this site are read from the Bank of Finland, which republishes them.

Observation date

EMMI sets Euribor every TARGET business day at about 11:00 CET. Free public publication follows 24 hours later, so the newest rate here is normally the previous business day's fixing. We check for new fixings every two hours.

How averages and changes are calculated · Spotted an error? Email [email protected].

Historical Rates

DateRate (%)Daily Change
2.766%+0.012 pp
2.754%+0.016 pp
2.738%−0.035 pp
2.773%−0.021 pp
2.794%−0.018 pp
2.812%+0.053 pp
2.759%−0.006 pp
2.765%+0.051 pp
2.714%+0.038 pp
2.676%+0.033 pp
2.643%+0.025 pp
2.618%0.000 pp
2.618%−0.020 pp
2.638%−0.028 pp
2.666%−0.011 pp
2.677%+0.007 pp
2.670%+0.024 pp
2.646%+0.003 pp
2.643%+0.001 pp
2.642%+0.006 pp
2.636%+0.008 pp
2.628%−0.006 pp
2.634%+0.002 pp
2.632%0.000 pp
2.632%−0.010 pp
2.642%+0.006 pp
2.636%+0.034 pp
2.602%+0.005 pp
2.597%−0.001 pp
2.598%+0.009 pp
2.589%−0.028 pp
2.617%0.000 pp
2.617%+0.023 pp
2.594%−0.013 pp
2.607%−0.007 pp
2.614%−0.008 pp
2.622%+0.014 pp
2.608%−0.016 pp
2.624%+0.004 pp
2.620%−0.013 pp
2.633%−0.028 pp
2.661%−0.021 pp
2.682%+0.018 pp
2.664%+0.017 pp
2.647%+0.004 pp
2.643%+0.017 pp
2.626%−0.009 pp
2.635%−0.034 pp
2.669%−0.010 pp
2.679%+0.024 pp
2.655%+0.009 pp
2.646%+0.038 pp
2.608%+0.015 pp
2.593%+0.020 pp
2.573%+0.016 pp
2.557%+0.003 pp
2.554%+0.009 pp
2.545%+0.008 pp
2.537%+0.013 pp
2.524%+0.017 pp
2.507%+0.015 pp
2.492%−0.008 pp
2.500%−0.001 pp
2.501%−0.007 pp
2.508%−0.003 pp
2.511%+0.006 pp
2.505%+0.015 pp
2.490%+0.015 pp
2.475%+0.001 pp
2.474%−0.003 pp
2.477%−0.017 pp
2.494%−0.004 pp
2.498%+0.037 pp
2.461%−0.023 pp
2.484%+0.012 pp
2.472%+0.013 pp
2.459%+0.014 pp
2.445%−0.009 pp
2.454%−0.034 pp
2.488%+0.016 pp
2.472%+0.016 pp
2.456%−0.019 pp
2.475%−0.018 pp
2.493%+0.010 pp
2.483%−0.002 pp
2.485%−0.005 pp
2.490%+0.038 pp
2.452%+0.021 pp
2.431%+0.019 pp
2.412%—
View more historical data

Compare With Other Terms

See how this Euribor term compares with other maturities and understand their relationships.

Compare all Euribor terms