12-month Euribor – August 2022
The average 12-month Euribor for August 2022 is 1.249 %, computed from 23 daily fixings (complete). The month opened at 0.942 %, closed at 1.778 %, with a low of 0.926 % and a high of 1.778 %. Versus July 2022 the average is up +0.258 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in August on the 12-month Euribor plus 1 pp would pay 2.25 % for the coming period.
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.
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.
August 2022
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 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 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for August 2022?
1.249 %, computed from 23 daily fixings. The ECB's official monthly average is 1.249 %.
My mortgage revises with the August average – what rate applies?
Reference 1.249 % plus your contractual spread; with a 1 pp spread the new rate is 2.25 %. Check whether your contract uses the previous month or the month before that.
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay. 07/09/2026