12-month Euribor – September 2026
The average 12-month Euribor for September 2026 is 3.247 %, computed from 22 daily fixings (complete). The month opened at 3.029 %, closed at 3.329 %, with a low of 3.029 % and a high of 3.379 %. Versus August 2026 the average is up 0.293 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 12-month Euribor plus 1 pp would pay 4.25 % for the coming period.
Every number on this page is an official published fixing, not an estimate: daily values are the Euribor fixings as published in the ECB / Eurosystem's official statistics, monthly averages are the arithmetic mean of those fixings and are cross-checked against the ECB Data Portal, and the tables are refreshed every 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: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 3.329 % | -0.033 pp | |
| 3.362 % | +0.006 pp | |
| 3.356 % | -0.023 pp | |
| 3.379 % | +0.071 pp | |
| 3.308 % | -0.023 pp | |
| 3.331 % | -0.001 pp | |
| 3.332 % | -0.022 pp | |
| 3.354 % | +0.011 pp | |
| 3.343 % | -0.002 pp | |
| 3.345 % | -0.029 pp | |
| 3.374 % | +0.048 pp | |
| 3.326 % | +0.014 pp | |
| 3.312 % | +0.152 pp | |
| 3.160 % | +0.022 pp | |
| 3.138 % | 0.000 pp | |
| 3.138 % | +0.021 pp | |
| 3.117 % | +0.001 pp | |
| 3.116 % | +0.008 pp | |
| 3.108 % | -0.001 pp | |
| 3.109 % | +0.041 pp | |
| 3.068 % | +0.039 pp | |
| 3.029 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for September 2026?
3.247 %, computed from 22 daily fixings. The ECB's official monthly average is –.
My mortgage revises with the September average – what rate applies?
Reference 3.247 % plus your contractual spread; with a 1 pp spread the new rate is 4.25 %. Check whether your contract uses the previous month or the month before that.
Source: official ECB / Eurosystem data. Published with a 24-hour delay. 01/10/2026