EURIBOR

EURIBOR – Euro Interbank Offered Rate
The Euro Interbank Offered Rate (EURIBOR) is the benchmark interest rate at which leading European banks lend to one another on the interbank market. It reflects the average rate across short-term maturities and serves as a reference point for lending and borrowing costs in euros across the Eurozone.

Live Data and Interactive EURIBOR Charts
The table above is updated daily and includes all available EURIBOR maturities: 1 week, 1 month, 3 months, 6 months, and 12 months. Each row can be expanded to view a real-time graph with the historical evolution of that specific term. This allows you to visually analyze market expectations, trends, and shifts in euro area short-term rates.

Publication Schedule and Relevance
EURIBOR is published by the European Money Markets Institute (EMMI) every business day, based on submissions from a panel of major European banks. Rates are released with a 24-hour delay, typically around 11:00 CET, and represent unsecured lending activity in euros.


Frequently Asked Questions about EURIBOR

What is EURIBOR?
EURIBOR (Euro Interbank Offered Rate) is a benchmark interest rate used throughout the Eurozone. It measures the average rate at which prime banks lend unsecured funds to each other for specific maturities ranging from 1 week to 12 months.

Which EURIBOR maturities are available?
The most commonly tracked EURIBOR terms are: 1W (1 week), 1M (1 month), 3M (3 months), 6M (6 months), and 12M (12 months). These are key indicators for both short-term borrowing costs and longer-term lending rates.

How does EURIBOR compare to ESTR?
While ESTR reflects the cost of actual overnight transactions, EURIBOR is based on rate estimates for different short-term maturities. EURIBOR provides a longer-term outlook on funding costs, while ESTR is more closely tied to daily market liquidity.

Where is EURIBOR used?
EURIBOR is widely used in mortgages, variable-rate loans, financial derivatives, and savings products. It influences interest payments, contract valuations, and economic forecasting across Europe.

How is EURIBOR calculated?
Each day, a panel of major European banks submits estimated rates at which they believe they could borrow from other banks. After trimming the top and bottom values, a trimmed mean is calculated and published by EMMI as the official EURIBOR.

How can I track EURIBOR changes?
Use the interactive charts provided in the table above. You can expand each maturity to monitor historical changes and market sentiment across different terms.

What’s the EURIBOR forecast for 2025?
Market analysts expect EURIBOR to reflect shifts in ECB monetary policy, inflation trends, and macroeconomic outlooks. Forecasts may vary, but trends can be tracked daily through this platform.