12-month Euribor – May 2022
The average 12-month Euribor for May 2022 is 0.287 %, computed from 22 daily fixings (complete). The month opened at 0.213 %, closed at 0.390 %, with a low of 0.182 % and a high of 0.390 %. Versus April 2022 the average is up +0.274 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in May on the 12-month Euribor plus 1 pp would pay 1.29 % 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.
May 2022
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 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 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for May 2022?
0.287 %, computed from 22 daily fixings. The ECB's official monthly average is 0.287 %.
My mortgage revises with the May average – what rate applies?
Reference 0.287 % plus your contractual spread; with a 1 pp spread the new rate is 1.29 %. 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