Official ECB data · updated automatically

Euribor — the number your Portuguese mortgage actually uses

Portuguese banks don't revise your rate on today's headline Euribor — they use the monthly average of the previous month. These are those exact figures, straight from the European Central Bank.

Euribor 3M
2.425%
▲ 0.086 pp vs Jun 2026
monthly average · Jul 2026
Euribor 6M
2.647%
▲ 0.051 pp vs Jun 2026
monthly average · Jul 2026
Euribor 12M
2.855%
▲ 0.057 pp vs Jun 2026
monthly average · Jul 2026
How your revision works: on each revision date, your new rate = the previous month's Euribor monthly average for your index + your contract spread. Example with today's figures: Euribor 12M 2.855% + spread 0.90% = TAN 3.755%. Your spread is fixed in your contract — the Euribor part is what moves.
MonthEuribor 3MEuribor 6MEuribor 12M
Jul 20262.425%2.647%2.855%
Jun 20262.339%2.596%2.798%
May 20262.226%2.536%2.804%
Apr 20262.175%2.454%2.747%
Mar 20262.109%2.322%2.565%
Feb 20262.011%2.144%2.221%
Jan 20262.028%2.137%2.245%
Dec 20252.048%2.139%2.267%
Nov 20252.042%2.131%2.217%
Oct 20252.034%2.107%2.187%
Sep 20252.027%2.102%2.172%
Aug 20252.021%2.084%2.114%
Jul 20251.986%2.055%2.079%
Jun 20251.984%2.050%2.081%

Source: European Central Bank (monthly averages, dataset FM) · last refreshed 2026-08-13

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Important. Figures shown are official European Central Bank monthly averages of Euribor rates and are provided for information only. They are not an offer, a quote or advertising of credit conditions. Your contractual revision depends on the index, reference period and spread defined in your loan agreement, and must be confirmed with your bank or a qualified agent. Portugal Mortgage is a credit intermediary registered with Banco de Portugal, licence ICV 6191.