The digital multimeter should be most accurate, assuming it is calibrated correctly.
The onboard chip only has an 8 bit A/D converter so it is only accurate to about 0.05v. Your digital multimeter will probably have a 12 bit converter which should be accurate (in that range) to about 0.005v.
Your bios reading of 12.26v is without any processor or graphics load, and considering the accuracy of the onboard chip it is equivalent to your digital multimeter. That could easily drop to the 12.21v shown by aida32 (it is only 1 bit down on the A/D converter). I would be very suspicious of readings which vary much from the bios figure when the system is not under load.
In any case, normal voltages will probably vary by about 0.1v in constant monitoring.
If there's a monitor specifically from the motherboard manufacturer that will usually be the most accurate, I use Asusprobe but I find that Aida32 agrees exactly with Asusprobe,
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