12-month Euribor – April 2022
The average 12-month Euribor for April 2022 is 0.013 %, computed from 19 daily fixings (complete). The month opened at -0.086 %, closed at 0.166 %, with a low of -0.093 % and a high of 0.166 %. Versus March 2022 the average is up +0.250 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in April on the 12-month Euribor plus 1 pp would pay 1.01 % 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.
April 2022
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 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 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for April 2022?
0.013 %, computed from 19 daily fixings. The ECB's official monthly average is 0.013 %.
My mortgage revises with the April average – what rate applies?
Reference 0.013 % plus your contractual spread; with a 1 pp spread the new rate is 1.01 %. 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