12-month Euribor – February 2024
The average 12-month Euribor for February 2024 is 3.671 %, computed from 21 daily fixings (complete). The month opened at 3.505 %, closed at 3.749 %, with a low of 3.505 % and a high of 3.749 %. Versus January 2024 the average is up +0.065 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in February on the 12-month Euribor plus 1 pp would pay 4.67 % for the coming period.
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.
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.
February 2024
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 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 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for February 2024?
3.671 %, computed from 21 daily fixings. The ECB's official monthly average is 3.671 %.
My mortgage revises with the February average – what rate applies?
Reference 3.671 % plus your contractual spread; with a 1 pp spread the new rate is 4.67 %. Check whether your contract uses the previous month or the month before that.
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay. 07/09/2026