12-month Euribor – August 2025
The average 12-month Euribor for August 2025 is 2.114 %, computed from 21 daily fixings (complete). The month opened at 2.147 %, closed at 2.119 %, with a low of 2.081 % and a high of 2.156 %. Versus July 2025 the average is up +0.035 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in August on the 12-month Euribor plus 1 pp would pay 3.11 % 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.
August 2025
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.119 % | +0.004 pp | |
| 2.115 % | +0.014 pp | |
| 2.101 % | -0.015 pp | |
| 2.116 % | +0.003 pp | |
| 2.113 % | +0.029 pp | |
| 2.084 % | 0.000 pp | |
| 2.084 % | 0.000 pp | |
| 2.084 % | +0.003 pp | |
| 2.081 % | -0.003 pp | |
| 2.084 % | -0.008 pp | |
| 2.092 % | -0.024 pp | |
| 2.116 % | -0.020 pp | |
| 2.136 % | -0.006 pp | |
| 2.142 % | +0.010 pp | |
| 2.132 % | +0.011 pp | |
| 2.121 % | -0.001 pp | |
| 2.122 % | +0.004 pp | |
| 2.118 % | -0.011 pp | |
| 2.129 % | -0.027 pp | |
| 2.156 % | +0.009 pp | |
| 2.147 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for August 2025?
2.114 %, computed from 21 daily fixings. The ECB's official monthly average is 2.114 %.
My mortgage revises with the August average – what rate applies?
Reference 2.114 % plus your contractual spread; with a 1 pp spread the new rate is 3.11 %. 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