Euribor Rates
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12-month Euribor in 2022

Average
1.122 %
Low
-0.500 %
High
3.325 %
First → Last
-0.499 % → 3.291 %

In 2022 the 12-month Euribor averaged 1.122 %. It started the year at -0.499 %, ended at 3.291 %, and moved between a low of -0.500 % (5 January 2022) and a high of 3.325 % (28 December 2022). Compared with 2021, the yearly average was up +1.613 pp.

The table lists every monthly average of 2022, which is the figure most mortgage contracts use for a revision, followed by the daily fixings that make up those averages. Values before 2006 are the ECB's official monthly averages, because daily fixings from the Bank of Finland series start in January 2006.

In 2022 the monthly averages of the 12-month Euribor were: January -0.477 %, February -0.338 %, March -0.224 %, April 0.013 %, May 0.287 %, June 0.852 %, July 0.992 %, August 1.249 %, September 2.233 %, October 2.629 %, November 2.828 %, December 3.018 %.

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.

2022

12-month Euribor 20220.002.00JanFebMarAprMayJunJulAugSeptOctNovDec

Source: Bank of Finland. Published with a 24-hour delay.

Months

MonthAverageLowHighFirstLastDaysECB avg
January -0.477 % -0.500 % -0.453 % -0.499 % -0.453 % 21 -0.477 %
February -0.338 % -0.431 % -0.285 % -0.431 % -0.349 % 19 -0.335 %
March -0.224 % -0.398 % -0.073 % -0.398 % -0.073 % 20 -0.237 %
April 0.013 % -0.093 % 0.166 % -0.086 % 0.166 % 19 0.013 %
May 0.287 % 0.182 % 0.390 % 0.213 % 0.390 % 22 0.287 %
June 0.852 % 0.417 % 1.124 % 0.417 % 1.037 % 22 0.852 %
July 0.992 % 0.821 % 1.200 % 0.961 % 0.921 % 21 0.992 %
August 1.249 % 0.926 % 1.778 % 0.942 % 1.778 % 23 1.249 %
September 2.233 % 1.851 % 2.625 % 1.851 % 2.556 % 22 2.233 %
October 2.629 % 2.363 % 2.778 % 2.500 % 2.630 % 21 2.629 %
November 2.828 % 2.673 % 2.892 % 2.686 % 2.830 % 22 2.828 %
December 3.018 % 2.811 % 3.325 % 2.842 % 3.291 % 21 3.018 %

Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay.

Date

DateRateChange
3.291 %+0.003 pp
3.288 %-0.037 pp
3.325 %+0.060 pp
3.265 %+0.027 pp
3.238 %+0.046 pp
3.192 %+0.016 pp
3.176 %+0.058 pp
3.118 %+0.061 pp
3.057 %+0.064 pp
2.993 %+0.126 pp
2.867 %-0.004 pp
2.871 %-0.002 pp
2.873 %-0.007 pp
2.880 %+0.019 pp
2.861 %+0.003 pp
2.858 %-0.006 pp
2.864 %-0.006 pp
2.870 %+0.029 pp
2.841 %+0.030 pp
2.811 %-0.031 pp
2.842 %+0.012 pp
2.830 %-0.062 pp
2.892 %0.000 pp
2.892 %+0.032 pp
2.860 %-0.019 pp
2.879 %+0.025 pp
2.854 %+0.007 pp
2.847 %+0.012 pp
2.835 %-0.002 pp
2.837 %+0.003 pp
2.834 %-0.009 pp
2.843 %-0.009 pp
2.852 %-0.015 pp
2.867 %+0.056 pp
2.811 %-0.051 pp
2.862 %-0.012 pp
2.874 %+0.028 pp
2.846 %+0.026 pp
2.820 %+0.026 pp
2.794 %+0.059 pp
2.735 %+0.062 pp
2.673 %-0.013 pp
2.686 %+0.056 pp
2.630 %+0.063 pp
2.567 %-0.104 pp
2.671 %-0.019 pp
2.690 %-0.035 pp
2.725 %-0.013 pp
2.738 %-0.040 pp
2.778 %+0.045 pp
2.733 %+0.049 pp
2.684 %-0.014 pp
2.698 %+0.019 pp
2.679 %+0.002 pp
2.677 %+0.016 pp
2.661 %+0.002 pp
2.659 %-0.034 pp
2.693 %+0.054 pp
2.639 %+0.087 pp
2.552 %+0.082 pp
2.470 %+0.107 pp
2.363 %-0.047 pp
2.410 %-0.090 pp
2.500 %-0.056 pp
2.556 %-0.022 pp
2.578 %-0.043 pp
2.621 %-0.004 pp
2.625 %+0.062 pp
2.563 %+0.063 pp
2.500 %+0.058 pp
2.442 %+0.026 pp
2.416 %+0.078 pp
2.338 %+0.043 pp
2.295 %+0.032 pp
2.263 %+0.040 pp
2.223 %+0.067 pp
2.156 %+0.054 pp
2.102 %+0.027 pp
2.075 %+0.060 pp
2.015 %+0.112 pp
1.903 %-0.010 pp
1.913 %-0.008 pp
1.921 %+0.047 pp
1.874 %-0.022 pp
1.896 %+0.045 pp
1.851 %+0.073 pp
1.778 %+0.020 pp
1.758 %+0.146 pp
1.612 %+0.130 pp
1.482 %-0.001 pp
1.483 %+0.056 pp
1.427 %+0.029 pp
1.398 %+0.054 pp
1.344 %+0.086 pp
1.258 %+0.029 pp
1.229 %+0.083 pp
1.146 %+0.028 pp
1.118 %-0.040 pp
1.158 %-0.005 pp
1.163 %+0.022 pp
1.141 %-0.011 pp
1.152 %+0.039 pp
1.113 %+0.003 pp
1.110 %+0.087 pp
1.023 %+0.009 pp
1.014 %+0.051 pp
0.963 %+0.037 pp
0.926 %-0.016 pp
0.942 %+0.021 pp
0.921 %-0.123 pp
1.044 %+0.031 pp
1.013 %-0.020 pp
1.033 %-0.007 pp
1.040 %-0.160 pp
1.200 %+0.058 pp
1.142 %-0.022 pp
1.164 %+0.112 pp
1.052 %+0.037 pp
1.015 %-0.042 pp
1.057 %+0.105 pp
0.952 %+0.087 pp
0.865 %-0.061 pp
0.926 %-0.043 pp
0.969 %-0.003 pp
0.972 %+0.151 pp
0.821 %-0.018 pp
0.839 %-0.100 pp
0.939 %+0.042 pp
0.897 %-0.064 pp
0.961 %-0.076 pp
1.037 %-0.031 pp
1.068 %+0.046 pp
1.022 %+0.074 pp
0.948 %-0.027 pp
0.975 %-0.114 pp
1.089 %-0.019 pp
1.108 %-0.007 pp
1.115 %+0.024 pp
1.091 %-0.033 pp
1.124 %+0.066 pp
1.058 %-0.009 pp
1.067 %+0.110 pp
0.957 %+0.165 pp
0.792 %+0.112 pp
0.680 %+0.066 pp
0.614 %+0.045 pp
0.569 %+0.008 pp
0.561 %+0.040 pp
0.521 %+0.035 pp
0.486 %+0.036 pp
0.450 %+0.033 pp
0.417 %+0.027 pp
0.390 %+0.029 pp
0.361 %+0.003 pp
0.358 %-0.002 pp
0.360 %+0.001 pp
0.359 %-0.005 pp
0.364 %+0.016 pp
0.348 %-0.005 pp
0.353 %+0.009 pp
0.344 %+0.031 pp
0.313 %+0.073 pp
0.240 %+0.034 pp
0.206 %+0.024 pp
0.182 %-0.048 pp
0.230 %+0.003 pp
0.227 %-0.009 pp
0.236 %-0.027 pp
0.263 %+0.017 pp
0.246 %-0.007 pp
0.253 %+0.019 pp
0.234 %+0.009 pp
0.225 %+0.012 pp
0.213 %+0.047 pp
0.166 %+0.048 pp
0.118 %+0.009 pp
0.109 %-0.002 pp
0.111 %-0.023 pp
0.134 %+0.050 pp
0.084 %+0.067 pp
0.017 %+0.031 pp
-0.014 %-0.004 pp
-0.010 %-0.013 pp
0.003 %+0.017 pp
-0.014 %-0.019 pp
0.005 %+0.035 pp
-0.030 %+0.018 pp
-0.048 %+0.010 pp
-0.058 %+0.005 pp
-0.063 %+0.030 pp
-0.093 %-0.010 pp
-0.083 %+0.003 pp
-0.086 %-0.013 pp
-0.073 %+0.030 pp
-0.103 %+0.002 pp
-0.105 %+0.022 pp
-0.127 %+0.015 pp
-0.142 %+0.018 pp
-0.160 %+0.005 pp
-0.165 %+0.021 pp
-0.186 %+0.017 pp
-0.203 %+0.004 pp
-0.207 %+0.009 pp
-0.216 %+0.016 pp
-0.232 %+0.005 pp
-0.237 %+0.021 pp
-0.258 %+0.010 pp
-0.268 %+0.040 pp
-0.308 %+0.044 pp
-0.352 %+0.007 pp
-0.359 %+0.018 pp
-0.377 %+0.021 pp
-0.398 %-0.049 pp
-0.349 %-0.001 pp
-0.348 %-0.025 pp
-0.323 %+0.009 pp
-0.332 %+0.005 pp
-0.337 %-0.005 pp
-0.332 %-0.003 pp
-0.329 %-0.016 pp
-0.313 %-0.027 pp
-0.286 %-0.001 pp
-0.285 %+0.013 pp
-0.298 %+0.027 pp
-0.325 %-0.012 pp
-0.313 %0.000 pp
-0.313 %-0.003 pp
-0.310 %+0.036 pp
-0.346 %+0.077 pp
-0.423 %+0.006 pp
-0.429 %+0.002 pp
-0.431 %+0.022 pp
-0.453 %+0.006 pp
-0.459 %+0.007 pp
-0.466 %+0.002 pp
-0.468 %-0.001 pp
-0.467 %-0.004 pp
-0.463 %-0.001 pp
-0.462 %-0.002 pp
-0.460 %+0.008 pp
-0.468 %0.000 pp
-0.468 %+0.002 pp
-0.470 %+0.013 pp
-0.483 %0.000 pp
-0.483 %-0.008 pp
-0.475 %+0.015 pp
-0.490 %-0.001 pp
-0.489 %+0.004 pp
-0.493 %+0.003 pp
-0.496 %+0.004 pp
-0.500 %-0.002 pp
-0.498 %+0.001 pp
-0.499 %–

Source: Bank of Finland. Published with a 24-hour delay.

Frequently asked questions

What was the average 12-month Euribor in 2022?

1.122 %. The low was -0.500 % on 5 January 2022 and the high 3.325 % on 28 December 2022.