3-month Euribor – September 2026
The average 3-month Euribor for September 2026 is 2.647 %, computed from 4 daily fixings (4 of about 21 business days so far). The month opened at 2.608 %, closed at 2.679 %, with a low of 2.608 % and a high of 2.679 %. Versus August 2026 the average is up +0.134 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 3.65 % 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 2026
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.679 % | +0.024 pp | |
| 2.655 % | +0.009 pp | |
| 2.646 % | +0.038 pp | |
| 2.608 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for September 2026?
2.647 %, computed from 4 daily fixings. The ECB's official monthly average is –.
My mortgage revises with the September average – what rate applies?
Reference 2.647 % plus your contractual spread; with a 1 pp spread the new rate is 3.65 %. 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