12-month Euribor – February 2022
The average 12-month Euribor for February 2022 is -0.335 %, computed from 20 daily fixings (complete). The month opened at -0.431 %, closed at -0.349 %, with a low of -0.431 % and a high of -0.283 %. Versus January 2022 the average is up +0.141 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in February on the 12-month Euribor plus 1 pp would pay 0.66 % 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.
February 2022
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| -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 % | -0.002 pp | |
| -0.283 % | +0.015 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 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for February 2022?
-0.335 %, computed from 20 daily fixings. The ECB's official monthly average is -0.335 %.
My mortgage revises with the February average – what rate applies?
Reference -0.335 % plus your contractual spread; with a 1 pp spread the new rate is 0.66 %. Check whether your contract uses the previous month or the month before that.
Source: official ECB / Eurosystem data. Published with a 24-hour delay. 07/09/2026