3-month Euribor – February 2024
The average 3-month Euribor for February 2024 is 3.923 %, computed from 21 daily fixings (complete). The month opened at 3.884 %, closed at 3.937 %, with a low of 3.884 % and a high of 3.952 %. Versus January 2024 the average is down -0.001 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in February on the 3-month Euribor plus 1 pp would pay 4.92 % 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.
February 2024
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 3.937 % | -0.005 pp | |
| 3.942 % | -0.010 pp | |
| 3.952 % | 0.000 pp | |
| 3.952 % | +0.019 pp | |
| 3.933 % | -0.012 pp | |
| 3.945 % | -0.001 pp | |
| 3.946 % | +0.003 pp | |
| 3.943 % | +0.011 pp | |
| 3.932 % | -0.001 pp | |
| 3.933 % | +0.018 pp | |
| 3.915 % | -0.007 pp | |
| 3.922 % | +0.021 pp | |
| 3.901 % | -0.011 pp | |
| 3.912 % | +0.021 pp | |
| 3.891 % | -0.007 pp | |
| 3.898 % | +0.003 pp | |
| 3.895 % | -0.037 pp | |
| 3.932 % | +0.010 pp | |
| 3.922 % | +0.022 pp | |
| 3.900 % | +0.016 pp | |
| 3.884 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for February 2024?
3.923 %, computed from 21 daily fixings. The ECB's official monthly average is 3.923 %.
My mortgage revises with the February average – what rate applies?
Reference 3.923 % plus your contractual spread; with a 1 pp spread the new rate is 4.92 %. 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