Official NBR data
ROBOR today: 3M and 6M rates and NBR history
See the latest ROBOR fixing published at 11:00, the change from the previous day and the recent series. Every value is shown with its date.
ROBOR 3M: 6.08%…
Check your contract to see whether your rate uses ROBOR 3M, 6M or another maturity.
IRCC / ROBOR
Which index does your loan use?
Check the index name and the interest review date in your contract.
IRCC today…Generally used for consumer loans granted after May 2019.
ROBOR 3M today…May appear in older variable-rate loan contracts.
Contract after May 2019: usually IRCC. Older contract: check whether the rate is linked to ROBOR. See the difference between ROBOR and IRCC →
ROBOR history
Latest ROBOR values
| Date | 1M | 3M | 3M change | 6M | 12M |
|---|---|---|---|---|---|
| 6.03% | 6.08% | ↓ -0.01 pp | 6.14% | 6.19% | |
| 6.03% | 6.09% | ↓ -0.01 pp | 6.14% | 6.20% | |
| 6.03% | 6.10% | · 0.00 pp | 6.14% | 6.21% | |
| 6.06% | 6.10% | · 0.00 pp | 6.15% | 6.22% | |
| 6.06% | 6.10% | · 0.00 pp | 6.15% | 6.22% | |
| 6.06% | 6.10% | · 0.00 pp | 6.16% | 6.21% | |
| 6.07% | 6.10% | ↓ -0.01 pp | 6.16% | 6.21% | |
| 6.06% | 6.11% | · 0.00 pp | 6.16% | 6.21% | |
| 6.08% | 6.11% | · 0.00 pp | 6.17% | 6.22% | |
| 6.07% | 6.11% | ↑ +0.05 pp | 6.16% | 6.22% | |
| 6.03% | 6.06% | ↑ +0.08 pp | 6.12% | 6.18% | |
| 5.93% | 5.98% | · 0.00 pp | 6.04% | 6.09% | |
| 5.92% | 5.98% | ↑ +0.01 pp | 6.04% | 6.09% | |
| 5.92% | 5.97% | · 0.00 pp | 6.04% | 6.09% | |
| 5.92% | 5.97% | ↑ +0.04 pp | 6.03% | 6.09% | |
| 5.87% | 5.93% | ↑ +0.08 pp | 6.01% | 6.07% | |
| 5.74% | 5.85% | ↑ +0.01 pp | 5.94% | 5.99% | |
| 5.74% | 5.84% | · 0.00 pp | 5.93% | 5.98% | |
| 5.74% | 5.84% | — | 5.93% | 5.98% |
Source: National Bank of Romania, daily ROBID–ROBOR series. Values are annual percentages. BNR
Last available value; today’s update has not been confirmed
What ROBOR is and why it can affect a loan payment
ROBOR is a reference rate at which participating banks quote leu placements on the Romanian interbank money market. The NBR publishes several maturities on each fixing day. Older variable-rate loans most often use three-month or six-month ROBOR plus the fixed margin written into the contract.
A figure published today does not change every payment immediately. The contract sets the maturity, margin and revision date. To test a scenario, check the latest repayment schedule and enter the total interest rate in the mortgage calculator.
ROBOR 3M and 6M
ROBOR 3M has a three-month maturity and ROBOR 6M a six-month maturity. The label does not describe how often you pay an instalment. The contract determines how often the interest rate is revised.
On weekends and days without a fixing, the page keeps the last verified value visible together with its reference date.
ROBOR and IRCC are different
ROBOR is based on quotations. IRCC uses eligible money-market transactions and a quarterly average applied with a delay. Read the full ROBOR versus IRCC guide and check the applied value on the IRCC page.
How to check the effect on your loan
- Find the interest formula in the contract.
- Check whether it names ROBOR 3M, 6M or another maturity.
- Find the next revision date.
- Compare the new payment and total cost before refinancing.
When a ROBOR-linked payment changes
The lender recalculates interest at the interval stated in the contract. A loan reviewed quarterly may use the new ROBOR 3M on its next revision date, rather than on publication day. Two contracts with the same balance can produce different payments because their margins, maturities or revision dates differ.
The usual formula is the contractual ROBOR index plus the lender’s fixed margin. Fees, insurance and account costs can affect the amount paid even when they are outside that formula.
Possible changes to the calculation method
Discussion about fixing rules does not by itself change a contract or a payment. Until an official rule is published, this page follows the NBR series. Read the context in the guide to the ROBOR methodology in 2026.
ROBOR 3M + margin
Estimate your payment with the current ROBOR
Illustrative equal-payment calculation, excluding fees, insurance and other costs. Your contract sets when the new index applies.
Estimated monthly payment…Rate used: …
Questions about ROBOR
What is ROBOR 3M today?
It is the latest three-month ROBOR published by the NBR. The value and reference date are shown above.
When is ROBOR updated?
The NBR publishes a fixing on working days. The last official value remains visible on other days.
When does the new ROBOR affect my payment?
On the revision date stated in the contract, not necessarily on publication day.
What is the difference between ROBOR 3M and 6M?
They are quotations for different maturities. The contract names the index and revision frequency.
Can I move from ROBOR to IRCC?
It depends on the contract, lender and available refinancing. Compare the total cost first.
What happens if ROBOR rises by one point?
The effect depends on the balance, remaining term, margin and revision date. The calculator is illustrative.
Will ROBOR fall in 2026?
Future levels cannot be guaranteed. Follow official NBR data rather than a single forecast.
Do you have a ROBOR-linked loan?
Estimate the payment and separately check whether refinancing could reduce the total cost.