12-month Euribor – April 2025
The average 12-month Euribor for April 2025 is 2.143 %, computed from 20 daily fixings (complete). The month opened at 2.277 %, closed at 2.049 %, with a low of 2.022 % and a high of 2.326 %. Versus March 2025 the average is down 0.255 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in April on the 12-month Euribor plus 1 pp would pay 3.14 % for the coming period.
Every number on this page is an official published fixing, not an estimate: daily values are the Euribor fixings as published in the ECB / Eurosystem's official statistics, monthly averages are the arithmetic mean of those fixings and are cross-checked against the ECB Data Portal, and the tables are refreshed every business day after the previous day's fixing appears. Tenors use the ACT/360 convention. Where a monthly average differs from the ECB figure by more than a hundredth of a point the methodology page lists the case.
What does it mean for a mortgage?
Annuity formula; assumes the rate applies for the whole remaining term. Your bank may round or use a different convention.
April 2025
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.049 % | -0.027 pp | |
| 2.076 % | +0.010 pp | |
| 2.066 % | -0.016 pp | |
| 2.082 % | +0.013 pp | |
| 2.069 % | +0.047 pp | |
| 2.022 % | -0.106 pp | |
| 2.128 % | +0.024 pp | |
| 2.104 % | -0.028 pp | |
| 2.132 % | +0.006 pp | |
| 2.126 % | 0.000 pp | |
| 2.126 % | -0.041 pp | |
| 2.167 % | +0.068 pp | |
| 2.099 % | -0.057 pp | |
| 2.156 % | +0.049 pp | |
| 2.107 % | -0.103 pp | |
| 2.210 % | -0.025 pp | |
| 2.235 % | -0.076 pp | |
| 2.311 % | -0.015 pp | |
| 2.326 % | +0.049 pp | |
| 2.277 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for April 2025?
2.143 %, computed from 20 daily fixings. The ECB's official monthly average is 2.143 %.
My mortgage revises with the April average – what rate applies?
Reference 2.143 % plus your contractual spread; with a 1 pp spread the new rate is 3.14 %. Check whether your contract uses the previous month or the month before that.
Source: official ECB / Eurosystem data. Published with a 24-hour delay. 07/09/2026