12-month Euribor in 2024
In 2024 the 12-month Euribor averaged 3.280 %. It started the year at 3.513 %, ended at 2.460 %, and moved between a low of 2.348 % (4 December 2024) and a high of 3.756 % (19 March 2024). Compared with 2023, the yearly average was down -0.589 pp.
The table lists every monthly average of 2024, which is the figure most mortgage contracts use for a revision, followed by the daily fixings that make up those averages. Values before 2006 are the ECB's official monthly averages, because daily fixings from the Bank of Finland series start in January 2006.
In 2024 the monthly averages of the 12-month Euribor were: January 3.605 %, February 3.671 %, March 3.716 %, April 3.702 %, May 3.681 %, June 3.650 %, July 3.526 %, August 3.166 %, September 2.936 %, October 2.691 %, November 2.506 %, December 2.436 %.
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.
2024
Source: Bank of Finland. Published with a 24-hour delay.
Months
| Month | Average | Low | High | First | Last | Days | ECB avg |
|---|---|---|---|---|---|---|---|
| January | 3.605 % | 3.513 % | 3.676 % | 3.513 % | 3.572 % | 23 | 3.609 % |
| February | 3.671 % | 3.505 % | 3.749 % | 3.505 % | 3.749 % | 21 | 3.671 % |
| March | 3.716 % | 3.658 % | 3.756 % | 3.744 % | 3.669 % | 21 | 3.718 % |
| April | 3.702 % | 3.648 % | 3.748 % | 3.669 % | 3.696 % | 22 | 3.703 % |
| May | 3.681 % | 3.628 % | 3.740 % | 3.696 % | 3.711 % | 23 | 3.680 % |
| June | 3.650 % | 3.575 % | 3.728 % | 3.722 % | 3.578 % | 20 | 3.650 % |
| July | 3.526 % | 3.390 % | 3.602 % | 3.567 % | 3.390 % | 23 | 3.526 % |
| August | 3.166 % | 3.088 % | 3.349 % | 3.349 % | 3.088 % | 22 | 3.166 % |
| September | 2.936 % | 2.747 % | 3.113 % | 3.072 % | 2.747 % | 21 | 2.936 % |
| October | 2.691 % | 2.547 % | 2.822 % | 2.749 % | 2.547 % | 23 | 2.691 % |
| November | 2.506 % | 2.393 % | 2.642 % | 2.629 % | 2.461 % | 21 | 2.506 % |
| December | 2.436 % | 2.348 % | 2.484 % | 2.431 % | 2.460 % | 20 | 2.436 % |
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.460 % | +0.006 pp | |
| 2.454 % | -0.011 pp | |
| 2.465 % | -0.006 pp | |
| 2.471 % | +0.010 pp | |
| 2.461 % | -0.023 pp | |
| 2.484 % | +0.015 pp | |
| 2.469 % | -0.005 pp | |
| 2.474 % | 0.000 pp | |
| 2.474 % | +0.031 pp | |
| 2.443 % | +0.038 pp | |
| 2.405 % | -0.016 pp | |
| 2.421 % | -0.008 pp | |
| 2.429 % | -0.010 pp | |
| 2.439 % | -0.011 pp | |
| 2.450 % | +0.051 pp | |
| 2.399 % | +0.011 pp | |
| 2.388 % | +0.040 pp | |
| 2.348 % | -0.008 pp | |
| 2.356 % | -0.075 pp | |
| 2.431 % | -0.030 pp | |
| 2.461 % | -0.002 pp | |
| 2.463 % | +0.015 pp | |
| 2.448 % | +0.055 pp | |
| 2.393 % | -0.023 pp | |
| 2.416 % | -0.073 pp | |
| 2.489 % | -0.002 pp | |
| 2.491 % | +0.026 pp | |
| 2.465 % | +0.017 pp | |
| 2.448 % | +0.016 pp | |
| 2.432 % | -0.043 pp | |
| 2.475 % | -0.019 pp | |
| 2.494 % | -0.001 pp | |
| 2.495 % | -0.007 pp | |
| 2.502 % | -0.026 pp | |
| 2.528 % | -0.006 pp | |
| 2.534 % | -0.029 pp | |
| 2.563 % | -0.079 pp | |
| 2.642 % | +0.012 pp | |
| 2.630 % | +0.011 pp | |
| 2.619 % | -0.010 pp | |
| 2.629 % | +0.082 pp | |
| 2.547 % | -0.001 pp | |
| 2.548 % | -0.029 pp | |
| 2.577 % | -0.003 pp | |
| 2.580 % | +0.015 pp | |
| 2.565 % | -0.049 pp | |
| 2.614 % | -0.060 pp | |
| 2.674 % | +0.052 pp | |
| 2.622 % | -0.008 pp | |
| 2.630 % | -0.079 pp | |
| 2.709 % | -0.008 pp | |
| 2.717 % | -0.026 pp | |
| 2.743 % | -0.023 pp | |
| 2.766 % | -0.033 pp | |
| 2.799 % | -0.023 pp | |
| 2.822 % | +0.031 pp | |
| 2.791 % | -0.001 pp | |
| 2.792 % | -0.006 pp | |
| 2.798 % | +0.086 pp | |
| 2.712 % | +0.024 pp | |
| 2.688 % | -0.024 pp | |
| 2.712 % | -0.033 pp | |
| 2.745 % | -0.004 pp | |
| 2.749 % | +0.002 pp | |
| 2.747 % | -0.024 pp | |
| 2.771 % | +0.016 pp | |
| 2.755 % | -0.021 pp | |
| 2.776 % | -0.082 pp | |
| 2.858 % | -0.044 pp | |
| 2.902 % | -0.016 pp | |
| 2.918 % | -0.018 pp | |
| 2.936 % | +0.015 pp | |
| 2.921 % | -0.027 pp | |
| 2.948 % | -0.027 pp | |
| 2.975 % | +0.027 pp | |
| 2.948 % | +0.019 pp | |
| 2.929 % | -0.031 pp | |
| 2.960 % | -0.010 pp | |
| 2.970 % | -0.016 pp | |
| 2.986 % | -0.039 pp | |
| 3.025 % | -0.028 pp | |
| 3.053 % | -0.041 pp | |
| 3.094 % | -0.019 pp | |
| 3.113 % | +0.041 pp | |
| 3.072 % | -0.016 pp | |
| 3.088 % | -0.020 pp | |
| 3.108 % | -0.011 pp | |
| 3.119 % | +0.024 pp | |
| 3.095 % | -0.021 pp | |
| 3.116 % | +0.014 pp | |
| 3.102 % | -0.031 pp | |
| 3.133 % | -0.029 pp | |
| 3.162 % | +0.003 pp | |
| 3.159 % | -0.024 pp | |
| 3.183 % | +0.044 pp | |
| 3.139 % | +0.022 pp | |
| 3.117 % | -0.031 pp | |
| 3.148 % | -0.032 pp | |
| 3.180 % | -0.011 pp | |
| 3.191 % | +0.015 pp | |
| 3.176 % | -0.026 pp | |
| 3.202 % | +0.010 pp | |
| 3.192 % | +0.054 pp | |
| 3.138 % | -0.100 pp | |
| 3.238 % | -0.082 pp | |
| 3.320 % | -0.029 pp | |
| 3.349 % | -0.041 pp | |
| 3.390 % | -0.016 pp | |
| 3.406 % | -0.019 pp | |
| 3.425 % | -0.001 pp | |
| 3.426 % | -0.055 pp | |
| 3.481 % | -0.047 pp | |
| 3.528 % | +0.020 pp | |
| 3.508 % | -0.003 pp | |
| 3.511 % | +0.009 pp | |
| 3.502 % | -0.001 pp | |
| 3.503 % | 0.000 pp | |
| 3.503 % | -0.003 pp | |
| 3.506 % | -0.016 pp | |
| 3.522 % | -0.042 pp | |
| 3.564 % | -0.031 pp | |
| 3.595 % | -0.007 pp | |
| 3.602 % | +0.009 pp | |
| 3.593 % | -0.006 pp | |
| 3.599 % | +0.011 pp | |
| 3.588 % | -0.004 pp | |
| 3.592 % | -0.004 pp | |
| 3.596 % | +0.007 pp | |
| 3.589 % | +0.022 pp | |
| 3.567 % | -0.011 pp | |
| 3.578 % | +0.003 pp | |
| 3.575 % | -0.001 pp | |
| 3.576 % | -0.002 pp | |
| 3.578 % | -0.002 pp | |
| 3.580 % | -0.042 pp | |
| 3.622 % | +0.014 pp | |
| 3.608 % | -0.005 pp | |
| 3.613 % | +0.013 pp | |
| 3.600 % | -0.028 pp | |
| 3.628 % | -0.044 pp | |
| 3.672 % | -0.006 pp | |
| 3.678 % | -0.041 pp | |
| 3.719 % | -0.009 pp | |
| 3.728 % | +0.003 pp | |
| 3.725 % | +0.024 pp | |
| 3.701 % | +0.017 pp | |
| 3.684 % | -0.006 pp | |
| 3.690 % | -0.025 pp | |
| 3.715 % | -0.007 pp | |
| 3.722 % | +0.011 pp | |
| 3.711 % | -0.018 pp | |
| 3.729 % | +0.013 pp | |
| 3.716 % | -0.006 pp | |
| 3.722 % | -0.018 pp | |
| 3.740 % | +0.011 pp | |
| 3.729 % | +0.027 pp | |
| 3.702 % | +0.032 pp | |
| 3.670 % | -0.010 pp | |
| 3.680 % | +0.007 pp | |
| 3.673 % | +0.028 pp | |
| 3.645 % | -0.005 pp | |
| 3.650 % | -0.029 pp | |
| 3.679 % | +0.041 pp | |
| 3.638 % | -0.016 pp | |
| 3.654 % | +0.025 pp | |
| 3.629 % | +0.001 pp | |
| 3.628 % | -0.014 pp | |
| 3.642 % | -0.005 pp | |
| 3.647 % | -0.011 pp | |
| 3.658 % | -0.035 pp | |
| 3.693 % | -0.035 pp | |
| 3.728 % | +0.032 pp | |
| 3.696 % | 0.000 pp | |
| 3.696 % | -0.030 pp | |
| 3.726 % | +0.002 pp | |
| 3.724 % | -0.004 pp | |
| 3.728 % | +0.027 pp | |
| 3.701 % | -0.017 pp | |
| 3.718 % | -0.016 pp | |
| 3.734 % | +0.002 pp | |
| 3.732 % | +0.001 pp | |
| 3.731 % | +0.011 pp | |
| 3.720 % | +0.018 pp | |
| 3.702 % | +0.009 pp | |
| 3.693 % | -0.055 pp | |
| 3.748 % | +0.019 pp | |
| 3.729 % | +0.040 pp | |
| 3.689 % | -0.006 pp | |
| 3.695 % | +0.022 pp | |
| 3.673 % | +0.017 pp | |
| 3.656 % | -0.007 pp | |
| 3.663 % | +0.015 pp | |
| 3.648 % | -0.016 pp | |
| 3.664 % | -0.005 pp | |
| 3.669 % | 0.000 pp | |
| 3.669 % | 0.000 pp | |
| 3.669 % | -0.015 pp | |
| 3.684 % | +0.009 pp | |
| 3.675 % | +0.017 pp | |
| 3.658 % | -0.024 pp | |
| 3.682 % | -0.053 pp | |
| 3.735 % | -0.020 pp | |
| 3.755 % | -0.001 pp | |
| 3.756 % | +0.006 pp | |
| 3.750 % | +0.041 pp | |
| 3.709 % | +0.008 pp | |
| 3.701 % | -0.001 pp | |
| 3.702 % | -0.010 pp | |
| 3.712 % | +0.009 pp | |
| 3.703 % | -0.042 pp | |
| 3.745 % | -0.001 pp | |
| 3.746 % | -0.002 pp | |
| 3.748 % | -0.003 pp | |
| 3.751 % | +0.019 pp | |
| 3.732 % | -0.012 pp | |
| 3.744 % | -0.005 pp | |
| 3.749 % | +0.001 pp | |
| 3.748 % | +0.013 pp | |
| 3.735 % | +0.003 pp | |
| 3.732 % | -0.006 pp | |
| 3.738 % | +0.041 pp | |
| 3.697 % | +0.002 pp | |
| 3.695 % | +0.009 pp | |
| 3.686 % | +0.016 pp | |
| 3.670 % | +0.022 pp | |
| 3.648 % | -0.014 pp | |
| 3.662 % | -0.030 pp | |
| 3.692 % | +0.037 pp | |
| 3.655 % | -0.023 pp | |
| 3.678 % | +0.020 pp | |
| 3.658 % | +0.018 pp | |
| 3.640 % | -0.016 pp | |
| 3.656 % | -0.011 pp | |
| 3.667 % | +0.034 pp | |
| 3.633 % | +0.096 pp | |
| 3.537 % | +0.032 pp | |
| 3.505 % | -0.067 pp | |
| 3.572 % | +0.019 pp | |
| 3.553 % | -0.029 pp | |
| 3.582 % | -0.015 pp | |
| 3.597 % | -0.065 pp | |
| 3.662 % | -0.014 pp | |
| 3.676 % | +0.011 pp | |
| 3.665 % | -0.007 pp | |
| 3.672 % | +0.017 pp | |
| 3.655 % | -0.005 pp | |
| 3.660 % | +0.064 pp | |
| 3.596 % | 0.000 pp | |
| 3.596 % | +0.026 pp | |
| 3.570 % | -0.066 pp | |
| 3.636 % | -0.018 pp | |
| 3.654 % | +0.019 pp | |
| 3.635 % | +0.034 pp | |
| 3.601 % | -0.015 pp | |
| 3.616 % | +0.032 pp | |
| 3.584 % | +0.040 pp | |
| 3.544 % | -0.001 pp | |
| 3.545 % | +0.013 pp | |
| 3.532 % | +0.019 pp | |
| 3.513 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What was the average 12-month Euribor in 2024?
3.280 %. The low was 2.348 % on 4 December 2024 and the high 3.756 % on 19 March 2024.