12-month Euribor – November 2022
The average 12-month Euribor for November 2022 is 2.828 %, computed from 22 daily fixings (complete). The month opened at 2.686 %, closed at 2.830 %, with a low of 2.673 % and a high of 2.892 %. Versus October 2022 the average is up +0.199 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in November on the 12-month Euribor plus 1 pp would pay 3.83 % 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.
November 2022
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.830 % | -0.062 pp | |
| 2.892 % | 0.000 pp | |
| 2.892 % | +0.032 pp | |
| 2.860 % | -0.019 pp | |
| 2.879 % | +0.025 pp | |
| 2.854 % | +0.007 pp | |
| 2.847 % | +0.012 pp | |
| 2.835 % | -0.002 pp | |
| 2.837 % | +0.003 pp | |
| 2.834 % | -0.009 pp | |
| 2.843 % | -0.009 pp | |
| 2.852 % | -0.015 pp | |
| 2.867 % | +0.056 pp | |
| 2.811 % | -0.051 pp | |
| 2.862 % | -0.012 pp | |
| 2.874 % | +0.028 pp | |
| 2.846 % | +0.026 pp | |
| 2.820 % | +0.026 pp | |
| 2.794 % | +0.059 pp | |
| 2.735 % | +0.062 pp | |
| 2.673 % | -0.013 pp | |
| 2.686 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for November 2022?
2.828 %, computed from 22 daily fixings. The ECB's official monthly average is 2.828 %.
My mortgage revises with the November average – what rate applies?
Reference 2.828 % plus your contractual spread; with a 1 pp spread the new rate is 3.83 %. 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