12-month Euribor – March 2026
The average 12-month Euribor for March 2026 is 2.565 %, computed from 22 daily fixings (complete). The month opened at 2.229 %, closed at 2.870 %, with a low of 2.229 % and a high of 2.932 %. Versus February 2026 the average is up +0.344 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in March on the 12-month Euribor plus 1 pp would pay 3.57 % 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.
March 2026
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.870 % | -0.062 pp | |
| 2.932 % | +0.072 pp | |
| 2.860 % | +0.040 pp | |
| 2.820 % | +0.008 pp | |
| 2.812 % | -0.117 pp | |
| 2.929 % | +0.189 pp | |
| 2.740 % | +0.082 pp | |
| 2.658 % | +0.134 pp | |
| 2.524 % | -0.004 pp | |
| 2.528 % | -0.019 pp | |
| 2.547 % | +0.007 pp | |
| 2.540 % | +0.018 pp | |
| 2.522 % | +0.066 pp | |
| 2.456 % | +0.087 pp | |
| 2.369 % | -0.183 pp | |
| 2.552 % | +0.185 pp | |
| 2.367 % | +0.044 pp | |
| 2.323 % | +0.007 pp | |
| 2.316 % | +0.009 pp | |
| 2.307 % | +0.075 pp | |
| 2.232 % | +0.003 pp | |
| 2.229 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for March 2026?
2.565 %, computed from 22 daily fixings. The ECB's official monthly average is 2.565 %.
My mortgage revises with the March average – what rate applies?
Reference 2.565 % plus your contractual spread; with a 1 pp spread the new rate is 3.57 %. 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