3-month Euribor – September 2026
The average 3-month Euribor for September 2026 is 2.635 %, computed from 22 daily fixings (complete). The month opened at 2.608 %, closed at 2.617 %, with a low of 2.594 % and a high of 2.682 %. Versus August 2026 the average is up 0.122 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 3.64 % 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 |
|---|---|---|
| 2.617 % | 0.000 pp | |
| 2.617 % | +0.023 pp | |
| 2.594 % | -0.013 pp | |
| 2.607 % | -0.007 pp | |
| 2.614 % | -0.008 pp | |
| 2.622 % | +0.014 pp | |
| 2.608 % | -0.016 pp | |
| 2.624 % | +0.004 pp | |
| 2.620 % | -0.013 pp | |
| 2.633 % | -0.028 pp | |
| 2.661 % | -0.021 pp | |
| 2.682 % | +0.018 pp | |
| 2.664 % | +0.017 pp | |
| 2.647 % | +0.004 pp | |
| 2.643 % | +0.017 pp | |
| 2.626 % | -0.009 pp | |
| 2.635 % | -0.034 pp | |
| 2.669 % | -0.010 pp | |
| 2.679 % | +0.024 pp | |
| 2.655 % | +0.009 pp | |
| 2.646 % | +0.038 pp | |
| 2.608 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for September 2026?
2.635 %, computed from 22 daily fixings. The ECB's official monthly average is –.
My mortgage revises with the September average – what rate applies?
Reference 2.635 % plus your contractual spread; with a 1 pp spread the new rate is 3.64 %. 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