12-month Euribor – November 2026
The average 12-month Euribor for November 2026 is 3.311 %, computed from 2 daily fixings (2 of about 21 business days so far). The month opened at 3.304 % and the latest fixing is 3.317 %, with a low of 3.304 % and a high of 3.317 % so far. Versus October 2026 the average is up 0.072 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in November on the 12-month Euribor plus 1 pp would pay 4.31 % 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.
Your payment at the next reset: calculator with the market forecast
November 2026
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 3.317 % | +0.013 pp | |
| 3.304 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for November 2026?
3.311 %, computed from 2 daily fixings. The ECB has not yet published its official monthly average.
My mortgage revises with the November average – what rate applies?
Reference 3.311 % plus your contractual spread; with a 1 pp spread the new rate is 4.31 %. Check whether your contract uses the previous month or the month before that.
Source: official ECB / Eurosystem data. Published with a 24-hour delay. 04/11/2026