12-month Euribor – March 2022
The average 12-month Euribor for March 2022 is -0.237 %, computed from 23 daily fixings (complete). The month opened at -0.363 %, closed at -0.073 %, with a low of -0.398 % and a high of -0.073 %. Versus February 2022 the average is up +0.098 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in March on the 12-month Euribor plus 1 pp would pay 0.76 % 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.
March 2022
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| -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 % | +0.025 pp | |
| -0.293 % | +0.015 pp | |
| -0.308 % | +0.020 pp | |
| -0.328 % | +0.024 pp | |
| -0.352 % | +0.007 pp | |
| -0.359 % | +0.018 pp | |
| -0.377 % | +0.021 pp | |
| -0.398 % | -0.035 pp | |
| -0.363 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for March 2022?
-0.237 %, computed from 23 daily fixings. The ECB's official monthly average is -0.237 %.
My mortgage revises with the March average – what rate applies?
Reference -0.237 % plus your contractual spread; with a 1 pp spread the new rate is 0.76 %. 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