3-month Euribor – April 2026
The average 3-month Euribor for April 2026 is 2.175 %, computed from 20 daily fixings (complete). The month opened at 2.075 %, closed at 2.199 %, with a low of 2.075 % and a high of 2.243 %. 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 3-month Euribor plus 1 pp would pay 3.18 % 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 |
|---|---|---|
| 2.199 % | +0.050 pp | |
| 2.149 % | -0.001 pp | |
| 2.150 % | -0.020 pp | |
| 2.170 % | +0.007 pp | |
| 2.163 % | -0.002 pp | |
| 2.165 % | +0.004 pp | |
| 2.161 % | -0.007 pp | |
| 2.168 % | -0.026 pp | |
| 2.194 % | -0.010 pp | |
| 2.204 % | -0.034 pp | |
| 2.238 % | -0.002 pp | |
| 2.240 % | -0.003 pp | |
| 2.243 % | +0.039 pp | |
| 2.204 % | +0.006 pp | |
| 2.198 % | +0.048 pp | |
| 2.150 % | -0.012 pp | |
| 2.162 % | -0.008 pp | |
| 2.170 % | +0.067 pp | |
| 2.103 % | +0.028 pp | |
| 2.075 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for April 2026?
2.175 %, computed from 20 daily fixings. The ECB's official monthly average is 2.175 %.
My mortgage revises with the April average – what rate applies?
Reference 2.175 % plus your contractual spread; with a 1 pp spread the new rate is 3.18 %. 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