EURIBOR (Euro Interbank Offered Rate) este rata medie a dobanzii la care bancile din zona euro se imprumuta reciproc pe piata interbancara. Este calculat si publicat zilnic de EMMI (European Money Markets Institute) si serveste drept referinta pentru creditele in euro, inclusiv creditele ipotecare.

Cat este EURIBOR 3M in martie 2026?

EURIBOR 3M (3 luni) in martie 2026 este de aproximativ 2,356%. Aceasta valoare este utilizata ca referinta pentru multe credite ipotecare in euro din Romania.

Cum afecteaza EURIBOR rata la credit in EUR?

Rata la un credit in EUR se calculeaza ca EURIBOR + marja fixa a bancii. De exemplu, cu EURIBOR 3M la 2,356% si o marja de 2%, dobanda totala este 4,356%. Cand EURIBOR creste sau scade, rata lunara se modifica proportional.

Care este diferenta dintre EURIBOR si ROBOR?

EURIBOR este rata de referinta pentru creditele in EUR, publicata de EMMI (Bruxelles). ROBOR este rata de referinta pentru creditele in RON, publicata de BNR. EURIBOR este de regula mai mic (2-3%) decat ROBOR (5-6%), dar creditele in EUR implica si risc valutar.

Cine stabileste EURIBOR?

EURIBOR este calculat de EMMI (European Money Markets Institute) din Bruxelles, pe baza cotatiilor de la un panel de banci europene de prim rang. BCE (Banca Centrala Europeana) influenteaza indirect EURIBOR prin rata de politica monetara.

EURIBOR Today 2026 — Rate, History, EUR Loan Impact

EURIBOR 1W

2,414%

1 week

EURIBOR 1M

2,366%

1 month

EURIBOR 3M

2,356%

3 months

EURIBOR 6M

2,280%

6 months

EURIBOR 12M

2,224%

12 months

EURIBOR impact calculator for EUR loans

Calculate how the monthly EUR loan payment varies with a ±0.5 percentage point change in EURIBOR.

Loan amount (EUR)

Bank margin (%)

Term (years)

EURIBOR reference

EURIBOR -0,5%

—

Current payment

—

EURIBOR +0,5%

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EURIBOR 3M evolution (last 12 months)

EURIBOR 3M history (monthly)

Monthly averages, last 13 months

Month	EURIBOR 3M (%)	Change

EURIBOR vs ROBOR vs IRCC comparison

Benchmark indices for EUR (EURIBOR) and RON (ROBOR/IRCC) loans — key differences.

Criteria	EURIBOR	ROBOR	IRCC
Currency	EUR	RON	RON
Update frequency	Daily	Daily	Quarterly
Current 3M rate	2,356%	~5,9%	~5,8%
Set by	EMMI (Brussels)	BNR / Reuters	BNR
Loan usage	EUR mortgages	Old RON loans	New RON loans
Currency risk	Yes (EUR/RON)	No	No

What is EURIBOR and why it matters

What is EURIBOR? EURIBOR (Euro Interbank Offered Rate) is the average interest rate at which eurozone banks lend to each other on the interbank market. It is calculated and published daily by EMMI (European Money Markets Institute) based in Brussels, using quotes from a panel of top-tier European banks.

What maturities are available? EURIBOR is published for 5 maturities: 1 week (1W), 1 month (1M), 3 months (3M), 6 months (6M), and 12 months (12M). The most commonly used for EUR mortgages is EURIBOR 3M or 6M.

Why does it matter for Romania? Many Romanians have euro-denominated mortgages. The monthly payment on these loans = EURIBOR + the bank's fixed margin. When EURIBOR falls, the monthly payment decreases proportionally. Conversely, a rise in EURIBOR increases the monthly payment.

Who influences EURIBOR? The ECB (European Central Bank) indirectly influences EURIBOR through its monetary policy rate. When the ECB lowers the interest rate, EURIBOR tends to fall. ECB decisions are influenced by inflation, economic growth, and financial stability in the eurozone.

EURIBOR vs ROBOR:

ℹ EURIBOR is generally lower than ROBOR, as the eurozone has lower inflation and a more liquid interbank market.

⚠ EUR loans carry currency risk: if the RON depreciates against the EUR, the monthly payment in RON increases even if EURIBOR remains constant.

✓ Romanian banks' margins for EUR loans are typically between 1.5% and 2.5%, lower than margins for RON loans.

ℹ In 2026, EURIBOR (~2.35%) is significantly lower than ROBOR 3M (~5.9%) or IRCC (~5.8%), but currency risk may offset this difference.

EURIBOR rates (March 2026)

EURIBOR 1W 2,414%

EURIBOR 1M 2,366%

EURIBOR 3M 2,356%

EURIBOR 6M 2,280%

EURIBOR 12M 2,224%

ECB rate

2,65%

ECB monetary policy rate

Last updated: 6 Mar 2026

Common EUR loan amounts

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EURIBOR — Reference rates for EUR loans