12-month Euribor – August 2024
The average 12-month Euribor for August 2024 is 3.166 %, computed from 22 daily fixings (complete). The month opened at 3.349 %, closed at 3.088 %, with a low of 3.088 % and a high of 3.349 %. Versus July 2024 the average is down -0.360 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in August on the 12-month Euribor plus 1 pp would pay 4.17 % 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.
August 2024
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 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 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for August 2024?
3.166 %, computed from 22 daily fixings. The ECB's official monthly average is 3.166 %.
My mortgage revises with the August average – what rate applies?
Reference 3.166 % plus your contractual spread; with a 1 pp spread the new rate is 4.17 %. 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