12-month Euribor – April 2026
The average 12-month Euribor for April 2026 is 2.747 %, computed from 20 daily fixings (complete). The month opened at 2.845 %, closed at 2.848 %, with a low of 2.640 % and a high of 2.872 %. Versus March 2026 the average is unchanged.
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 3.75 % 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 2026
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.848 % | +0.083 pp | |
| 2.765 % | +0.034 pp | |
| 2.731 % | -0.032 pp | |
| 2.763 % | +0.028 pp | |
| 2.735 % | +0.048 pp | |
| 2.687 % | +0.047 pp | |
| 2.640 % | -0.015 pp | |
| 2.655 % | -0.047 pp | |
| 2.702 % | +0.017 pp | |
| 2.685 % | -0.038 pp | |
| 2.723 % | -0.033 pp | |
| 2.756 % | -0.011 pp | |
| 2.767 % | +0.059 pp | |
| 2.708 % | -0.007 pp | |
| 2.715 % | +0.035 pp | |
| 2.680 % | -0.180 pp | |
| 2.860 % | -0.012 pp | |
| 2.872 % | +0.073 pp | |
| 2.799 % | -0.046 pp | |
| 2.845 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for April 2026?
2.747 %, computed from 20 daily fixings. The ECB's official monthly average is 2.747 %.
My mortgage revises with the April average – what rate applies?
Reference 2.747 % plus your contractual spread; with a 1 pp spread the new rate is 3.75 %. 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