3-month Euribor – August 2024
The average 3-month Euribor for August 2024 is 3.548 %, computed from 22 daily fixings (complete). The month opened at 3.638 %, closed at 3.490 %, with a low of 3.490 % and a high of 3.638 %. Versus July 2024 the average is down -0.137 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 3-month Euribor plus 1 pp would pay 4.55 % 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 |
|---|---|---|
| 3.490 % | -0.015 pp | |
| 3.505 % | 0.000 pp | |
| 3.505 % | -0.010 pp | |
| 3.515 % | -0.008 pp | |
| 3.523 % | -0.002 pp | |
| 3.525 % | -0.016 pp | |
| 3.541 % | -0.001 pp | |
| 3.542 % | +0.004 pp | |
| 3.538 % | -0.013 pp | |
| 3.551 % | -0.009 pp | |
| 3.560 % | +0.011 pp | |
| 3.549 % | +0.007 pp | |
| 3.542 % | 0.000 pp | |
| 3.542 % | -0.006 pp | |
| 3.548 % | -0.009 pp | |
| 3.557 % | -0.020 pp | |
| 3.577 % | +0.008 pp | |
| 3.569 % | +0.046 pp | |
| 3.523 % | -0.061 pp | |
| 3.584 % | -0.039 pp | |
| 3.623 % | -0.015 pp | |
| 3.638 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for August 2024?
3.548 %, computed from 22 daily fixings. The ECB's official monthly average is 3.548 %.
My mortgage revises with the August average – what rate applies?
Reference 3.548 % plus your contractual spread; with a 1 pp spread the new rate is 4.55 %. 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