EURIBOR, SOFR and ECB rates
EURIBOR, €STR, the ECB key rates and SOFR — the benchmarks loan agreements and treasury policies point at.
My loan: benchmark + margin
EURIBOR 6M 2.713% + 4.00% = 6.71%
Estimated monthly payment: 573.18 EUR / month
Total interest: 18,781.86 EUR · Total repaid: 68,781.86 EUR
Using the benchmark of Aug 2026. Your contract’s next reset uses that day’s fixing.
If the benchmark moves at the next reset
+1,00 pp → 599.09 EUR (+25.91)
−1,00 pp → 547.93 EUR (−25.25)
Historical scenario (EURIBOR 6M)
the 2026 peak (2.71%) → 573.18 EUR
the 2026 low (2.32%) → 563.22 EUR
Updated: 24 Sept 2026 (daily series) · Aug 2026 (EURIBOR average)
EURIBOR reaches us from the ECB as a MONTHLY average, not a daily fixing. If a contract resets on a given date, that date's fixing is what you need — a monthly average is not the same figure. EURIBOR is administered by EMMI.
The EURIBOR average for Sept 2026 is not published yet. €STR — the euro overnight rate, published daily by the ECB — was 2.439% on 23 Sept 2026, versus 2.188% on 1 Sept 2026.
- EURIBOR 1 monthmonthly average
- 2.221%
- Aug 2026▲ 0.007
- EURIBOR 3 monthsmonthly average
- 2.513%
- Aug 2026▲ 0.088
- EURIBOR 6 monthsmonthly average
- 2.713%
- Aug 2026▲ 0.067
- EURIBOR 12 monthsmonthly average
- 2.954%
- Aug 2026▲ 0.099
Rates over time
- EURIBOR 1 month
- EURIBOR 3 months
- EURIBOR 6 months
- EURIBOR 12 months
A loan priced as “EURIBOR 3M + 2%” needs the EURIBOR figure itself, and neither the National Bank of Moldova nor the statistics bureau publishes one. These are the benchmarks that loan agreements, floating-rate clauses and group treasury policies refer to.
Frequently asked questions about these rates
What is EURIBOR?
Euribor® measures the rate at which credit institutions in EU and EFTA countries can obtain wholesale euro funding in the unsecured money market, over terms from one week to one year. It is administered by EMMI in Brussels and calculated under a hybrid methodology grounded in real transactions where they exist. You meet it in variable-rate euro loans and leases: the contract says "EURIBOR 6M + margin", and your rate resets to the benchmark's value on the day the contract names.
Who publishes EURIBOR?
The official administrator is EMMI (European Money Markets Institute), and "Euribor" is its registered trademark. Daily fixings are distributed through licensed vendors; this page shows the monthly average freely published by the European Central Bank as a statistical series.
Why does EURIBOR on this page differ from the one in my contract?
This page shows the MONTHLY average computed by the ECB, not any single day's fixing. Your contract resets to the fixing of the day it names, as published by EMMI. Use this page for level and trend; for a reset, ask your bank for the fixing of the contractual day.
What are the ECB rates and how do they affect my loan?
The ECB rates are the price of money set by the European Central Bank: the deposit facility (the floor), the main refinancing operations, and the lending facility (the ceiling). They do not appear in contracts directly. EURIBOR does not follow them passively: quoted for terms up to a year, it already embeds the market's expectations of future ECB decisions and often moves ahead of them. What reaches you late is the rate you actually pay — it changes only on the reset date in your contract, which can be up to 12 months away.
What is €STR?
€STR (euro short-term rate) is the effective overnight rate of the euro money market, computed and published daily by the ECB from real transactions reported by banks. It is the daily thermometer of the ECB rate corridor and the freshest freely available euro benchmark.
What is SOFR and what did it replace?
SOFR is the dollar equivalent: the secured overnight rate published by the Federal Reserve Bank of New York, which replaced LIBOR from 2023. You meet it in dollar loans and commercial contracts — including those Moldovan companies sign with foreign partners.
The sources are the rates' own administrators rather than aggregators: the European Central Bank for EURIBOR, €STR and its own policy rates, and the Federal Reserve Bank of New York for SOFR. Indicative information; to apply a contract, use the fixing published by the rate's administrator.