1-week Euribor
Daily Euribor fixings, monthly averages and what they mean for your mortgage.
1-week Euribor was fixed at 2.154 % on 4 September 2026, down -0.028 pp compared with the previous business day. The average for September so far is 2.154 %; one year earlier the rate stood at 2.307 %.
Euribor is the rate at which euro-area banks lend to each other for a fixed term, published every TARGET2 business day by the European Money Markets Institute. This site republishes the Bank of Finland's copy of the fixings with a 24-hour delay, which is why the newest date is usually yesterday's.
Variable-rate mortgages across Europe are priced as this fixing plus a fixed spread. When the fixing moves, the payment moves at the next revision date written in the loan contract, and the direction that matters to a borrower is simple: down.
Every number on this page is a published fixing, not an estimate: daily values come from the Bank of Finland's copy of the Euribor series, monthly averages are the arithmetic mean of those fixings and are cross-checked against the ECB Data Portal, and the tables are rebuilt each business day after the previous day's fixing appears. Tenors use the ACT/360 convention. Where a monthly average differs from the ECB figure by more than a hundredth of a point the methodology page lists the case.
Last 12 months
Source: Bank of Finland. Published with a 24-hour delay.
Last 30 fixings
| Date | Rate | Change |
|---|---|---|
| 2.154 % | -0.028 pp | |
| 2.182 % | +0.036 pp | |
| 2.146 % | +0.013 pp | |
| 2.133 % | -0.011 pp | |
| 2.144 % | -0.019 pp | |
| 2.163 % | +0.022 pp | |
| 2.141 % | -0.020 pp | |
| 2.161 % | -0.017 pp | |
| 2.178 % | -0.002 pp | |
| 2.180 % | +0.022 pp | |
| 2.158 % | +0.010 pp | |
| 2.148 % | +0.002 pp | |
| 2.146 % | -0.016 pp | |
| 2.162 % | +0.041 pp | |
| 2.121 % | -0.034 pp | |
| 2.155 % | -0.008 pp | |
| 2.163 % | +0.001 pp | |
| 2.162 % | +0.026 pp | |
| 2.136 % | +0.032 pp | |
| 2.104 % | -0.028 pp | |
| 2.132 % | -0.007 pp | |
| 2.139 % | -0.009 pp | |
| 2.148 % | -0.001 pp | |
| 2.149 % | +0.020 pp | |
| 2.129 % | -0.036 pp | |
| 2.165 % | +0.028 pp | |
| 2.137 % | -0.022 pp | |
| 2.159 % | +0.038 pp | |
| 2.121 % | +0.020 pp | |
| 2.101 % | -0.011 pp | |
| 2.112 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Monthly averages, last 24 months
| Month | Average | Low | High | First | Last | Days | ECB avg |
|---|---|---|---|---|---|---|---|
| September 2026 * | 2.154 % | 2.133 % | 2.182 % | 2.133 % | 2.154 % | 4 | – |
| August 2026 | 2.149 % | 2.104 % | 2.180 % | 2.129 % | 2.144 % | 21 | – |
| July 2026 | 2.146 % | 2.101 % | 2.180 % | 2.135 % | 2.165 % | 23 | – |
| June 2026 | 1.992 % | 1.866 % | 2.161 % | 1.932 % | 2.115 % | 22 | – |
| May 2026 | 1.891 % | 1.843 % | 1.941 % | 1.880 % | 1.941 % | 19 | – |
| April 2026 | 1.907 % | 1.868 % | 1.942 % | 1.895 % | 1.942 % | 20 | – |
| April 2025 * | 2.383 % | 2.307 % | 2.417 % | 2.390 % | 2.307 % | 13 | – |
| March 2025 | 2.472 % | 2.386 % | 2.649 % | 2.622 % | 2.388 % | 21 | – |
| February 2025 | 2.663 % | 2.607 % | 2.787 % | 2.787 % | 2.607 % | 20 | – |
| January 2025 | 2.898 % | 2.801 % | 2.926 % | 2.911 % | 2.801 % | 22 | – |
| December 2024 | 3.029 % | 2.857 % | 3.160 % | 3.160 % | 2.924 % | 20 | – |
| November 2024 | 3.148 % | 3.128 % | 3.173 % | 3.131 % | 3.128 % | 21 | – |
| October 2024 | 3.308 % | 3.116 % | 3.408 % | 3.328 % | 3.116 % | 23 | – |
| September 2024 | 3.491 % | 3.351 % | 3.640 % | 3.608 % | 3.383 % | 21 | – |
| August 2024 | 3.626 % | 3.605 % | 3.652 % | 3.642 % | 3.623 % | 22 | – |
| July 2024 | 3.611 % | 3.579 % | 3.643 % | 3.641 % | 3.607 % | 23 | – |
| June 2024 | 3.681 % | 3.590 % | 3.848 % | 3.828 % | 3.612 % | 20 | – |
| May 2024 | 3.878 % | 3.802 % | 3.895 % | 3.802 % | 3.889 % | 23 | – |
| April 2024 | 3.867 % | 3.802 % | 3.898 % | 3.853 % | 3.802 % | 22 | – |
| March 2024 | 3.872 % | 3.835 % | 3.893 % | 3.872 % | 3.853 % | 21 | – |
| February 2024 | 3.878 % | 3.843 % | 3.907 % | 3.843 % | 3.879 % | 21 | – |
| January 2024 | 3.875 % | 3.832 % | 3.900 % | 3.900 % | 3.832 % | 23 | – |
| December 2023 | 3.858 % | 3.835 % | 3.900 % | 3.839 % | 3.900 % | 19 | – |
| November 2023 | 3.874 % | 3.838 % | 3.896 % | 3.868 % | 3.838 % | 22 | – |
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay. (*: n of about N business days so far)
Yearly averages
| Year | Average | Low | High | First | Last |
|---|---|---|---|---|---|
| 2026 | 2.027 % | 1.843 % | 2.182 % | 1.895 % | 2.154 % |
| 2025 | 2.630 % | 2.307 % | 2.926 % | 2.911 % | 2.307 % |
| 2024 | 3.610 % | 2.857 % | 3.907 % | 3.900 % | 2.924 % |
| 2023 | 3.198 % | 1.838 % | 3.900 % | 1.876 % | 3.900 % |
| 2022 | 0.025 % | -0.587 % | 1.902 % | -0.587 % | 1.872 % |
| 2021 | -0.569 % | -0.602 % | -0.555 % | -0.578 % | -0.587 % |
| 2020 | -0.526 % | -0.578 % | -0.472 % | -0.491 % | -0.578 % |
| 2019 | -0.418 % | -0.515 % | -0.372 % | -0.372 % | -0.499 % |
| 2018 | -0.378 % | -0.381 % | -0.373 % | -0.379 % | -0.373 % |
| 2017 | -0.379 % | -0.382 % | -0.371 % | -0.371 % | -0.378 % |
| 2016 | -0.351 % | -0.382 % | -0.249 % | -0.249 % | -0.373 % |
| 2015 | -0.115 % | -0.252 % | -0.004 % | -0.020 % | -0.249 % |
| 2014 | 0.100 % | -0.023 % | 0.278 % | 0.188 % | -0.015 % |
| 2013 | 0.099 % | 0.078 % | 0.254 % | 0.081 % | 0.188 % |
| 2012 | 0.225 % | 0.076 % | 0.652 % | 0.652 % | 0.081 % |
| 2011 | 1.029 % | 0.552 % | 1.473 % | 0.590 % | 0.677 % |
| 2010 | 0.487 % | 0.336 % | 0.813 % | 0.369 % | 0.612 % |
| 2009 | 0.742 % | 0.336 % | 2.357 % | 2.357 % | 0.377 % |
| 2008 | 4.058 % | 2.288 % | 5.019 % | 4.124 % | 2.387 % |
| 2007 | 3.961 % | 3.567 % | 4.548 % | 3.614 % | 4.141 % |
| 2006 | 2.887 % | 2.342 % | 3.749 % | 2.361 % | 3.624 % |
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay.
Understanding this rate
Who uses the 1-week rate
The 1-week Euribor is the price of borrowing euros unsecured from another bank for seven days. It is the shortest maturity in the Euribor family and the one furthest from everyday household finance. Banks use it to manage their own week-to-week liquidity, to price short-dated instruments, and as a check on the overnight market. You will not find it as the reference in a mortgage contract in any euro-area country, and the maturity pages for 3, 6 and 12 months are where a borrower's attention normally goes.
It earns its place on this site for a different reason: it is the cleanest daily reading of monetary policy available.
How it relates to ECB policy
The deposit facility rate is the interest the ECB pays banks on the money they leave with it overnight, and it is the anchor for the short end of the Euribor curve. A bank that can park cash at the ECB at that rate has no reason to lend it to another bank for a week at much less, and a bank borrowing for a week has little reason to pay much more, since the ECB's rate will almost certainly not change within the week outside a meeting. The 1-week fixing therefore sits close to the deposit facility rate and moves when that rate moves, on or immediately after the eight monetary-policy meetings each year.
Between meetings it is nearly flat. Watching it day by day tells you little; watching it around a meeting date shows you the policy change arriving in the market.
Reading it alongside the other maturities
The most useful thing to do with the 1-week rate is to compare it with the longer ones. If the 12-month fixing is well above the 1-week fixing, the market is pricing higher rates ahead; if it is below, lower ones. On 4 September 2026 the five fixings were 2.154 %, 2.364 %, 2.679 %, 2.794 % and 3.108 % from one week to twelve months. The forecast page turns that curve into implied forward rates, and the ECB calendar page lists the meetings that move its short end.
A worked example
Because no mortgage uses this maturity, the example is a comparison rather than a revision. Suppose your loan references 12-month Euribor plus a spread of 1.00 percentage point. Your rate at the next revision would be based on 3.108 % plus 1.00 point. Had the same loan been written on 1-week Euribor with the same spread, an unrealistic but instructive case, the rate on 4 September 2026 would have been 2.154 % plus 1.00 point. The gap between the two numbers is the price you pay, or the discount you receive, for having your rate fixed for a full year rather than a week. Whether that gap is positive or negative depends on the shape of the curve on the day.
What to check in your contract
If you are reading this page because your bank's notice mentions a weekly or very short reference, check the wording carefully. It is far more likely to name the 1-month or 3-month rate, or to describe the monthly average of a longer maturity, than the 1-week fixing. The maturity, the value convention and the revision date in the contract are the items that determine your instalment.
What does it mean for a mortgage?
What does it mean for a mortgage?
Annuity formula; assumes the rate applies for the whole remaining term. Your bank may round or use a different convention.
Frequently asked questions
What is the 1-week Euribor today?
On 4 September 2026 the 1-week Euribor was fixed at 2.154 %. Fixings are published each TARGET2 business day; this site shows them with a 24-hour delay.
Is the 1-week Euribor going up or down?
Against the previous fixing it moved down -0.028 pp; over one year it went from 2.307 % to 2.154 %. The monthly average so far is 2.154 %.
Which mortgages use the 1-week Euribor?
Contracts choose one maturity as their reference; the 12-month rate dominates in Spain, Portugal and Finland, the 3-month rate in Italy and Austria, the 1-month rate in the Netherlands. The reference is fixed plus the spread agreed with the bank.
Where does the data come from?
Daily fixings from the Bank of Finland's published series, monthly averages cross-checked against the ECB Data Portal. Nothing is fetched from EMMI directly.
What is the 1-week Euribor used for?
It is the shortest of the five Euribor maturities and is used mainly by banks and treasurers for very short-term funding and pricing, not for household mortgages. Its value on {date} was {rate_week_1}. For a mortgage holder it is useful as the clearest daily reading of where the ECB's deposit facility rate has put the money market.
Does any mortgage use 1-week Euribor?
Practically none. Mortgages commonly use the 12-month rate in Spain, Portugal and Finland, the 3-month or 1-month rate in Italy, the 1-month rate in the Netherlands and the 3-month rate in Germany and Austria. A weekly reset would be impractical for a household loan.
Why is the 1-week rate different from the 12-month rate?
Because a twelve-month loan between banks carries a year of uncertainty about policy and a premium for lending unsecured for longer, while a one-week loan carries almost none. On {date} the 1-week fixing was {rate_week_1} and the 12-month fixing {rate_month_12}; the difference is the term structure.