12-month Euribor – February 2026
The average 12-month Euribor for February 2026 is 2.221 %, computed from 20 daily fixings (complete). The month opened at 2.218 %, closed at 2.222 %, with a low of 2.198 % and a high of 2.248 %. Versus January 2026 the average is down -0.024 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in February on the 12-month Euribor plus 1 pp would pay 3.22 % 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.
February 2026
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.222 % | +0.005 pp | |
| 2.217 % | +0.009 pp | |
| 2.208 % | +0.002 pp | |
| 2.206 % | +0.001 pp | |
| 2.205 % | 0.000 pp | |
| 2.205 % | +0.007 pp | |
| 2.198 % | 0.000 pp | |
| 2.198 % | -0.018 pp | |
| 2.216 % | -0.020 pp | |
| 2.236 % | -0.012 pp | |
| 2.248 % | +0.002 pp | |
| 2.246 % | +0.015 pp | |
| 2.231 % | +0.004 pp | |
| 2.227 % | +0.005 pp | |
| 2.222 % | -0.005 pp | |
| 2.227 % | +0.002 pp | |
| 2.225 % | -0.009 pp | |
| 2.234 % | +0.009 pp | |
| 2.225 % | +0.007 pp | |
| 2.218 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for February 2026?
2.221 %, computed from 20 daily fixings. The ECB's official monthly average is 2.221 %.
My mortgage revises with the February average – what rate applies?
Reference 2.221 % plus your contractual spread; with a 1 pp spread the new rate is 3.22 %. 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