12-month Euribor – April 2024
The average 12-month Euribor for April 2024 is 3.702 %, computed from 22 daily fixings (complete). The month opened at 3.669 %, closed at 3.696 %, with a low of 3.648 % and a high of 3.748 %. Versus March 2024 the average is down -0.014 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in April on the 12-month Euribor plus 1 pp would pay 4.70 % 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.
April 2024
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 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 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for April 2024?
3.702 %, computed from 22 daily fixings. The ECB's official monthly average is 3.703 %.
My mortgage revises with the April average – what rate applies?
Reference 3.702 % plus your contractual spread; with a 1 pp spread the new rate is 4.70 %. 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