3-month Euribor – September 2024
The average 3-month Euribor for September 2024 is 3.434 %, computed from 21 daily fixings (complete). The month opened at 3.469 %, closed at 3.279 %, with a low of 3.279 % and a high of 3.488 %. Versus August 2024 the average is down -0.114 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 3-month Euribor plus 1 pp would pay 4.43 % 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 |
|---|---|---|
| 3.279 % | -0.047 pp | |
| 3.326 % | -0.019 pp | |
| 3.345 % | -0.007 pp | |
| 3.352 % | -0.050 pp | |
| 3.402 % | -0.029 pp | |
| 3.431 % | -0.005 pp | |
| 3.436 % | -0.019 pp | |
| 3.455 % | -0.003 pp | |
| 3.458 % | -0.022 pp | |
| 3.480 % | -0.008 pp | |
| 3.488 % | +0.016 pp | |
| 3.472 % | -0.009 pp | |
| 3.481 % | +0.014 pp | |
| 3.467 % | +0.007 pp | |
| 3.460 % | -0.002 pp | |
| 3.462 % | -0.006 pp | |
| 3.468 % | -0.002 pp | |
| 3.470 % | +0.021 pp | |
| 3.449 % | -0.009 pp | |
| 3.458 % | -0.011 pp | |
| 3.469 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for September 2024?
3.434 %, computed from 21 daily fixings. The ECB's official monthly average is 3.434 %.
My mortgage revises with the September average – what rate applies?
Reference 3.434 % plus your contractual spread; with a 1 pp spread the new rate is 4.43 %. 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