It is better to understand therate Euribor 1 monthwith concrete benchmarks: this rate really influences the lives of many households, especially if you have areal estate creditwith variable rates or want to monitor your investments. By relying on accessible explanations and practical cases, it is worth understanding how a few notions can help you anticipate a variation, adjust your budget and choose calmly, even without financial expertise. Some professionals also testify that with a little bit of training, their clients are more calmly clarifying their decisions.
Euribor 1 Month Today – Real Time Rates and Evolution
You need the exact value of the Euribor rate 1 month to manage your investments, adjust a real estate credit or just locate the currency news? Here's the number of the moment, precious to follow.
| Date | Euribor 1 month (%) | Change over 1 week (bp) | Change over 1 year (bp) |
|---|---|---|---|
| 02/04/2026 | 1,909 | +41,2 | +247,6 |
To be noted:The rate Euribor 1 month rises this 2 April 2026 to1,909 %, strong growth over one week (+41.2 basis points). This level, however, remains relatively moderate compared with the previous year, where the+247.6 basis points.
The reference source:EMMI, via euribor-rates. had. The information displayed complies with the latest available update, which is released with a short regulatory deadline.
Definition and role of the Euribor 1 Month: what is this rate for?
To designate the Euribor 1 month, some economists speak of the « thermometer » euro area banks daily: this is the rate at which they lend money on a monthly maturity. In other words, it conditions a large proportion of short-term financial flows, and remains an index widely consulted by all actors managing dynamic financing or investment. Moreover, some real estate observers say that a simple variation can cause massive new customer consultations during the day.
How is the Euribor 1 Month calculated?
Each working day, about 20 large European banks publish their offers of rates. The European Money Markets Institute (EMMI) calculates the average while excluding extreme values and then reveals the official rate. It is regularly observed that this mechanism aims to give a faithful picture of the money market at the moment, even if in practice every advertisement can generate strong reactions among professionals.
Another point is that Euribor serves as the basis for many variable rate loans as well as certain corporate investments. It is therefore not a simple indicator – but a rate that can change the course of a life: according to experts, a variation of0,1 %changes substantially the monthly payment of a real estate loan over long periods. It is not uncommon for an individual to worry about a planned review.
Dynamic chart: recent & historical evolution of the Euribor 1 Month
The evolution of the Euribor 1 month reserves many surprises, especially since the confirmed return of volatility in 2022. Several investors like to watch the curve: it often outlines the European economic climate of the moment (one advisor recently mentioned the nervousness of markets after certain turns).
| Year | Euribor 1 month (%) |
|---|---|
| 2026 | 1,953 |
| 2025 | 2,785 |
| 2024 | 3,856 |
| 2023 | 1,883 |
| 2022 | -0,576 |
After a peak close to3,86 %In 2024, a quieter phase was installed at the end of 2025. This lull follows largely the intervention of the European Central Bank on interest rates; Should we expect lasting stability in 2026? Nothing is less secure, caution remains.
Comparison: Euribor 1 Month vs. other reference rates (3M, 6M, 12M, €STR)
If you follow different clues to manage your investments or credits, keep in mind that there are several « Euribor ». Each maturity has its own characteristics and functions as an independent thermometer: a well-informed manager recently reported that the 3 month and the 12 month are particularly attractive to borrowers and investors.
| Maturity | Rate at 02/04/2026 (%) |
|---|---|
| Euribor 1 Month | 1,909 |
| Euribor 3 Month | 2,103 |
| Euribor 6 Month | 2,458 |
| Euribor 12 Month | 2,799 |
Be aware that the Euribor 1M reacts more quickly to the immediate movements of the ECB, while the 12M reflects an annual vision and regularly anticipates structural changes. For some real estate credits, the 3M or 6M dominates the calculation of monthly payments: the distinction counts! Currentmore than 0.89%Moreover, between 1M and 12M is not unusual (some borrowers sometimes discover this difference at the first revision, sometimes with surprise).
Practical tools: ready impact simulator, data download and guides
Knowing the rate is one thing; appreciate its effect on a monthly payment or extract any historical is another. There are a number of options available to assist each in taming this data:
Simulator and Download: Put rates at your service
It is better to take advantage of the free download of Excel rate history (without registration or restriction). The official platforms update their files every day, a private management officer recently indicated how this database facilitates communication with its clients.
To estimate rapidly the impact of a change in0,1 %on your loan: for a loan from200 000 €, the adjustment of monthly payments generally reached16-18 €(This range varies according to duration or insurance). The ECUsBoursoramaorEuribor-rates. hadgive live simulations, sometimes used during bank appointments.
Some even enjoy comparing several scenarios and refining their strategy before decision. Free to explore these tools, it is regularly a real plus in the final negotiation.
Trends, macro context: what to expect for the Euribor 1 month in 2026?
After the movements shook between 2022 and 2024, many specialists sought a return to stability in 2026. Can we imagine this calm lasting? Here are the main elements to follow.
What factors explain the recent decline?
The ECB sets the tone: as inflation slows down, it relaxes its monetary policy ; where a decrease in the number of2 %Over a year! Future expectations remain cautious: the majority of experts rely on stabilization around1,9 – 2 %except for major economic events. Sometimes an external shock comes to shake this fragile balance.
It should be added that when a gap widens with the rate €STR (mainly mobilised for large interbank flows in the very short term), this may indicate a renewed tension. For now,The gap remains under control, which reassures most observers. A portfolio manager recently clarified that monitoring the ECB's communication remained the number one reflex to anticipate any reversal.
FAQ: Frequently Asked Questions about Euribor 1 Month
Here are direct answers to common questions, to see more clearly in everyday life:
What is the Euribor 1 Month rate today?
The last official value disclosed is1,909 %2 April 2026 (source EMMI).
How does this rate impact a real estate credit?
As soon as your contract mentions the Euribor reference 1 month, each change in this rate affects the amount of interest on your monthly payment. For example,+0,25 %may represent40-45 €increase on your monthly repayment for a loan from200 000 € 20 years(excluding insurance). Some buyers discover the effect from the first evolutionary maturity.
Where to consult the complete history and export the data?
Official history, dating back to1999 !are available free of charge online, in CSV or Excel format, onEuribor-rates. hadandglobal-rates.com.
What difference between Euribor 1 Month and 3 Months?
Euribor 3 months aligned with trends of the 1 month, while remaining relatively often higher: on 02/04/2026, it amounted to2,103 %against1,909 %for the first month. This means that your monthly payments are a little less volatile with the 3 month, but the overall cost of credit tends to rise a little faster if the ECB raises its rates (this is a question sometimes asked during a bank appointment).
What precautions should be taken when using this rate?
Keep in mind that the Euribor, however valuable it may be, can evolve abruptly: systematically check the date and source, test different scenarios with the simulators before any important decision, and always ask for personalized advice in case of doubt. An old bank adage recalls that the best prudence is to cross-check several sources...
Need a calculation or follow-up? Take advantage of the specialized guides and practical tools online, or export the data to verify for yourself in complete autonomy.