3-month Euribor – October 2025
The average 3-month Euribor for October 2025 is 2.033 %, computed from 22 daily fixings (complete). The month opened at 2.017 %, closed at 2.040 %, with a low of 2.000 % and a high of 2.084 %. Versus September 2025 the average is up +0.006 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in October on the 3-month Euribor plus 1 pp would pay 3.03 % 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.
October 2025
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.040 % | -0.010 pp | |
| 2.050 % | -0.024 pp | |
| 2.074 % | -0.010 pp | |
| 2.084 % | +0.012 pp | |
| 2.072 % | +0.007 pp | |
| 2.065 % | -0.001 pp | |
| 2.066 % | +0.028 pp | |
| 2.038 % | +0.023 pp | |
| 2.015 % | +0.005 pp | |
| 2.010 % | +0.006 pp | |
| 2.004 % | -0.012 pp | |
| 2.016 % | -0.005 pp | |
| 2.021 % | -0.005 pp | |
| 2.026 % | +0.017 pp | |
| 2.009 % | -0.016 pp | |
| 2.025 % | +0.006 pp | |
| 2.019 % | -0.010 pp | |
| 2.029 % | +0.003 pp | |
| 2.026 % | +0.006 pp | |
| 2.020 % | +0.020 pp | |
| 2.000 % | -0.017 pp | |
| 2.017 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for October 2025?
2.033 %, computed from 22 daily fixings. The ECB's official monthly average is 2.034 %.
My mortgage revises with the October average – what rate applies?
Reference 2.033 % plus your contractual spread; with a 1 pp spread the new rate is 3.03 %. 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