6-month Euribor – September 2023
The average 6-month Euribor for September 2023 is 4.030 %, computed from 21 daily fixings (complete). The month opened at 3.934 %, closed at 4.125 %, with a low of 3.929 % and a high of 4.136 %. Versus August 2023 the average is up +0.086 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 6-month Euribor plus 1 pp would pay 5.03 % 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 2023
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 4.125 % | 0.000 pp | |
| 4.125 % | -0.011 pp | |
| 4.136 % | +0.046 pp | |
| 4.090 % | -0.032 pp | |
| 4.122 % | +0.040 pp | |
| 4.082 % | +0.010 pp | |
| 4.072 % | +0.002 pp | |
| 4.070 % | -0.001 pp | |
| 4.071 % | +0.005 pp | |
| 4.066 % | +0.011 pp | |
| 4.055 % | +0.015 pp | |
| 4.040 % | +0.041 pp | |
| 3.999 % | +0.031 pp | |
| 3.968 % | -0.002 pp | |
| 3.970 % | +0.018 pp | |
| 3.952 % | +0.014 pp | |
| 3.938 % | +0.009 pp | |
| 3.929 % | -0.009 pp | |
| 3.938 % | -0.017 pp | |
| 3.955 % | +0.021 pp | |
| 3.934 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for September 2023?
4.030 %, computed from 21 daily fixings. The ECB's official monthly average is 4.030 %.
My mortgage revises with the September average – what rate applies?
Reference 4.030 % plus your contractual spread; with a 1 pp spread the new rate is 5.03 %. 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