12-month Euribor – August 2026
The average 12-month Euribor for August 2026 is 2.954 %, computed from 21 daily fixings (complete). The month opened at 2.939 %, closed at 3.003 %, with a low of 2.884 % and a high of 3.007 %. Versus July 2026 the average is up +0.099 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 3.95 % 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 2026
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 3.003 % | +0.022 pp | |
| 2.981 % | +0.025 pp | |
| 2.956 % | -0.051 pp | |
| 3.007 % | +0.018 pp | |
| 2.989 % | -0.004 pp | |
| 2.993 % | -0.010 pp | |
| 3.003 % | +0.013 pp | |
| 2.990 % | +0.013 pp | |
| 2.977 % | +0.021 pp | |
| 2.956 % | +0.019 pp | |
| 2.937 % | -0.002 pp | |
| 2.939 % | -0.004 pp | |
| 2.943 % | -0.014 pp | |
| 2.957 % | +0.044 pp | |
| 2.913 % | +0.008 pp | |
| 2.905 % | +0.007 pp | |
| 2.898 % | +0.014 pp | |
| 2.884 % | -0.046 pp | |
| 2.930 % | +0.003 pp | |
| 2.927 % | -0.012 pp | |
| 2.939 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for August 2026?
2.954 %, computed from 21 daily fixings. The ECB's official monthly average is 2.954 %.
My mortgage revises with the August average – what rate applies?
Reference 2.954 % plus your contractual spread; with a 1 pp spread the new rate is 3.95 %. 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