12-month Euribor – September 2024
The average 12-month Euribor for September 2024 is 2.936 %, computed from 21 daily fixings (complete). The month opened at 3.072 %, closed at 2.747 %, with a low of 2.747 % and a high of 3.113 %. Versus August 2024 the average is down -0.230 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in September on the 12-month Euribor plus 1 pp would pay 3.94 % 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.
September 2024
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 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 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for September 2024?
2.936 %, computed from 21 daily fixings. The ECB's official monthly average is 2.936 %.
My mortgage revises with the September average – what rate applies?
Reference 2.936 % plus your contractual spread; with a 1 pp spread the new rate is 3.94 %. 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