12-month Euribor – March 2024
The average 12-month Euribor for March 2024 is 3.716 %, computed from 21 daily fixings (complete). The month opened at 3.744 %, closed at 3.669 %, with a low of 3.658 % and a high of 3.756 %. Versus February 2024 the average is up +0.045 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in March on the 12-month Euribor plus 1 pp would pay 4.72 % 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.
March 2024
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 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 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for March 2024?
3.716 %, computed from 21 daily fixings. The ECB's official monthly average is 3.718 %.
My mortgage revises with the March average – what rate applies?
Reference 3.716 % plus your contractual spread; with a 1 pp spread the new rate is 4.72 %. 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