3-month Euribor – May 2025
The average 3-month Euribor for May 2025 is 2.089 %, computed from 19 daily fixings (complete). The month opened at 2.142 %, closed at 1.995 %, with a low of 1.995 % and a high of 2.151 %. Versus April 2025 the average is down -0.160 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in May on the 3-month Euribor plus 1 pp would pay 3.09 % 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.
May 2025
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 1.995 % | -0.016 pp | |
| 2.011 % | -0.010 pp | |
| 2.021 % | -0.018 pp | |
| 2.039 % | -0.001 pp | |
| 2.040 % | -0.009 pp | |
| 2.049 % | +0.003 pp | |
| 2.046 % | -0.014 pp | |
| 2.060 % | -0.015 pp | |
| 2.075 % | -0.026 pp | |
| 2.101 % | -0.026 pp | |
| 2.127 % | -0.016 pp | |
| 2.143 % | +0.004 pp | |
| 2.139 % | +0.015 pp | |
| 2.124 % | -0.014 pp | |
| 2.138 % | -0.012 pp | |
| 2.150 % | +0.007 pp | |
| 2.143 % | -0.008 pp | |
| 2.151 % | +0.009 pp | |
| 2.142 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for May 2025?
2.089 %, computed from 19 daily fixings. The ECB's official monthly average is 2.087 %.
My mortgage revises with the May average – what rate applies?
Reference 2.089 % plus your contractual spread; with a 1 pp spread the new rate is 3.09 %. 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