3-month Euribor – October 2026
The average 3-month Euribor for October 2026 is 2.616 %, computed from 8 daily fixings (8 of about 21 business days so far). The month opened at 2.589 %, closed at 2.632 %, with a low of 2.589 % and a high of 2.642 %. Versus September 2026 the average is down 0.019 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in October on the 3-month Euribor plus 1 pp would pay 3.62 % 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.
October 2026
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.632 % | 0.000 pp | |
| 2.632 % | -0.010 pp | |
| 2.642 % | +0.006 pp | |
| 2.636 % | +0.034 pp | |
| 2.602 % | +0.005 pp | |
| 2.597 % | -0.001 pp | |
| 2.598 % | +0.009 pp | |
| 2.589 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for October 2026?
2.616 %, computed from 8 daily fixings. The ECB's official monthly average is –.
My mortgage revises with the October average – what rate applies?
Reference 2.616 % plus your contractual spread; with a 1 pp spread the new rate is 3.62 %. Check whether your contract uses the previous month or the month before that.
Source: official ECB / Eurosystem data. Published with a 24-hour delay. 13/10/2026