3-month Euribor in 2022
In 2022 the 3-month Euribor averaged 0.362 %. It started the year at -0.570 %, ended at 2.132 %, and moved between a low of -0.576 % (5 January 2022) and a high of 2.202 % (28 December 2022). Compared with 2021, the yearly average was up +0.911 pp.
The table lists every monthly average of 2022, which is the figure most mortgage contracts use for a revision, followed by the daily fixings that make up those averages. Values before 2006 are the ECB's official monthly averages, because daily fixings from the Bank of Finland series start in January 2006.
In 2022 the monthly averages of the 3-month Euribor were: January -0.560 %, February -0.532 %, March -0.493 %, April -0.448 %, May -0.386 %, June -0.239 %, July 0.037 %, August 0.395 %, September 1.011 %, October 1.428 %, November 1.825 %, December 2.063 %.
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.
2022
Source: Bank of Finland. Published with a 24-hour delay.
Months
| Month | Average | Low | High | First | Last | Days | ECB avg |
|---|---|---|---|---|---|---|---|
| January | -0.560 % | -0.576 % | -0.543 % | -0.570 % | -0.552 % | 21 | -0.560 % |
| February | -0.532 % | -0.551 % | -0.523 % | -0.547 % | -0.533 % | 19 | -0.532 % |
| March | -0.493 % | -0.532 % | -0.458 % | -0.532 % | -0.458 % | 20 | -0.495 % |
| April | -0.448 % | -0.475 % | -0.415 % | -0.461 % | -0.429 % | 19 | -0.448 % |
| May | -0.386 % | -0.427 % | -0.338 % | -0.416 % | -0.338 % | 22 | -0.386 % |
| June | -0.239 % | -0.335 % | -0.163 % | -0.335 % | -0.195 % | 22 | -0.239 % |
| July | 0.037 % | -0.176 % | 0.267 % | -0.176 % | 0.232 % | 21 | 0.037 % |
| August | 0.395 % | 0.246 % | 0.654 % | 0.246 % | 0.654 % | 23 | 0.395 % |
| September | 1.011 % | 0.712 % | 1.228 % | 0.712 % | 1.173 % | 22 | 1.011 % |
| October | 1.428 % | 1.173 % | 1.704 % | 1.185 % | 1.704 % | 21 | 1.428 % |
| November | 1.825 % | 1.726 % | 1.984 % | 1.737 % | 1.973 % | 22 | 1.825 % |
| December | 2.063 % | 1.972 % | 2.202 % | 1.972 % | 2.132 % | 21 | 2.063 % |
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.132 % | -0.052 pp | |
| 2.184 % | -0.018 pp | |
| 2.202 % | +0.074 pp | |
| 2.128 % | -0.013 pp | |
| 2.141 % | +0.016 pp | |
| 2.125 % | +0.023 pp | |
| 2.102 % | +0.021 pp | |
| 2.081 % | +0.018 pp | |
| 2.063 % | +0.016 pp | |
| 2.047 % | -0.015 pp | |
| 2.062 % | -0.019 pp | |
| 2.081 % | +0.035 pp | |
| 2.046 % | -0.006 pp | |
| 2.052 % | +0.047 pp | |
| 2.005 % | +0.015 pp | |
| 1.990 % | +0.013 pp | |
| 1.977 % | -0.016 pp | |
| 1.993 % | +0.018 pp | |
| 1.975 % | 0.000 pp | |
| 1.975 % | +0.003 pp | |
| 1.972 % | -0.001 pp | |
| 1.973 % | -0.011 pp | |
| 1.984 % | +0.030 pp | |
| 1.954 % | +0.032 pp | |
| 1.922 % | +0.014 pp | |
| 1.908 % | +0.010 pp | |
| 1.898 % | +0.035 pp | |
| 1.863 % | +0.046 pp | |
| 1.817 % | -0.004 pp | |
| 1.821 % | +0.019 pp | |
| 1.802 % | -0.001 pp | |
| 1.803 % | +0.008 pp | |
| 1.795 % | +0.004 pp | |
| 1.791 % | +0.029 pp | |
| 1.762 % | -0.036 pp | |
| 1.798 % | -0.004 pp | |
| 1.802 % | +0.011 pp | |
| 1.791 % | +0.049 pp | |
| 1.742 % | +0.008 pp | |
| 1.734 % | +0.002 pp | |
| 1.732 % | +0.006 pp | |
| 1.726 % | -0.011 pp | |
| 1.737 % | +0.033 pp | |
| 1.704 % | +0.063 pp | |
| 1.641 % | +0.036 pp | |
| 1.605 % | +0.027 pp | |
| 1.578 % | +0.001 pp | |
| 1.577 % | +0.019 pp | |
| 1.558 % | +0.015 pp | |
| 1.543 % | +0.041 pp | |
| 1.502 % | +0.040 pp | |
| 1.462 % | +0.006 pp | |
| 1.456 % | -0.002 pp | |
| 1.458 % | +0.055 pp | |
| 1.403 % | +0.025 pp | |
| 1.378 % | +0.015 pp | |
| 1.363 % | +0.023 pp | |
| 1.340 % | +0.021 pp | |
| 1.319 % | +0.031 pp | |
| 1.288 % | +0.040 pp | |
| 1.248 % | +0.048 pp | |
| 1.200 % | +0.027 pp | |
| 1.173 % | -0.012 pp | |
| 1.185 % | +0.012 pp | |
| 1.173 % | +0.013 pp | |
| 1.160 % | -0.033 pp | |
| 1.193 % | -0.035 pp | |
| 1.228 % | +0.060 pp | |
| 1.168 % | +0.015 pp | |
| 1.153 % | +0.033 pp | |
| 1.120 % | +0.002 pp | |
| 1.118 % | +0.018 pp | |
| 1.100 % | +0.034 pp | |
| 1.066 % | +0.003 pp | |
| 1.063 % | +0.033 pp | |
| 1.030 % | +0.017 pp | |
| 1.013 % | +0.013 pp | |
| 1.000 % | +0.012 pp | |
| 0.988 % | +0.054 pp | |
| 0.934 % | +0.098 pp | |
| 0.836 % | +0.014 pp | |
| 0.822 % | +0.006 pp | |
| 0.816 % | +0.033 pp | |
| 0.783 % | +0.020 pp | |
| 0.763 % | +0.051 pp | |
| 0.712 % | +0.058 pp | |
| 0.654 % | +0.034 pp | |
| 0.620 % | +0.038 pp | |
| 0.582 % | +0.040 pp | |
| 0.542 % | +0.024 pp | |
| 0.518 % | +0.025 pp | |
| 0.493 % | +0.025 pp | |
| 0.468 % | +0.015 pp | |
| 0.453 % | +0.023 pp | |
| 0.430 % | +0.039 pp | |
| 0.391 % | +0.040 pp | |
| 0.351 % | +0.018 pp | |
| 0.333 % | -0.006 pp | |
| 0.339 % | +0.006 pp | |
| 0.333 % | +0.012 pp | |
| 0.321 % | -0.004 pp | |
| 0.325 % | +0.004 pp | |
| 0.321 % | +0.020 pp | |
| 0.301 % | +0.024 pp | |
| 0.277 % | +0.008 pp | |
| 0.269 % | +0.017 pp | |
| 0.252 % | -0.008 pp | |
| 0.260 % | +0.014 pp | |
| 0.246 % | +0.014 pp | |
| 0.232 % | -0.035 pp | |
| 0.267 % | +0.029 pp | |
| 0.238 % | +0.026 pp | |
| 0.212 % | -0.021 pp | |
| 0.233 % | +0.033 pp | |
| 0.200 % | +0.055 pp | |
| 0.145 % | +0.020 pp | |
| 0.125 % | +0.083 pp | |
| 0.042 % | -0.005 pp | |
| 0.047 % | -0.025 pp | |
| 0.072 % | +0.070 pp | |
| 0.002 % | +0.054 pp | |
| -0.052 % | +0.006 pp | |
| -0.058 % | +0.012 pp | |
| -0.070 % | +0.017 pp | |
| -0.087 % | +0.054 pp | |
| -0.141 % | +0.011 pp | |
| -0.152 % | -0.007 pp | |
| -0.145 % | +0.020 pp | |
| -0.165 % | +0.011 pp | |
| -0.176 % | +0.019 pp | |
| -0.195 % | -0.004 pp | |
| -0.191 % | +0.020 pp | |
| -0.211 % | +0.007 pp | |
| -0.218 % | 0.000 pp | |
| -0.218 % | -0.032 pp | |
| -0.186 % | -0.014 pp | |
| -0.172 % | -0.009 pp | |
| -0.163 % | +0.015 pp | |
| -0.178 % | -0.009 pp | |
| -0.169 % | +0.003 pp | |
| -0.172 % | +0.010 pp | |
| -0.182 % | +0.061 pp | |
| -0.243 % | +0.038 pp | |
| -0.281 % | +0.017 pp | |
| -0.298 % | -0.016 pp | |
| -0.282 % | +0.020 pp | |
| -0.302 % | -0.004 pp | |
| -0.298 % | +0.016 pp | |
| -0.314 % | +0.014 pp | |
| -0.328 % | -0.001 pp | |
| -0.327 % | +0.008 pp | |
| -0.335 % | +0.003 pp | |
| -0.338 % | +0.016 pp | |
| -0.354 % | +0.014 pp | |
| -0.368 % | -0.016 pp | |
| -0.352 % | -0.001 pp | |
| -0.351 % | +0.005 pp | |
| -0.356 % | +0.007 pp | |
| -0.363 % | -0.015 pp | |
| -0.348 % | 0.000 pp | |
| -0.348 % | +0.020 pp | |
| -0.368 % | +0.012 pp | |
| -0.380 % | +0.023 pp | |
| -0.403 % | 0.000 pp | |
| -0.403 % | +0.003 pp | |
| -0.406 % | +0.008 pp | |
| -0.414 % | +0.003 pp | |
| -0.417 % | -0.015 pp | |
| -0.402 % | +0.024 pp | |
| -0.426 % | -0.005 pp | |
| -0.421 % | +0.006 pp | |
| -0.427 % | -0.002 pp | |
| -0.425 % | -0.009 pp | |
| -0.416 % | +0.013 pp | |
| -0.429 % | +0.009 pp | |
| -0.438 % | +0.007 pp | |
| -0.445 % | -0.015 pp | |
| -0.430 % | -0.015 pp | |
| -0.415 % | +0.012 pp | |
| -0.427 % | +0.036 pp | |
| -0.463 % | +0.012 pp | |
| -0.475 % | -0.007 pp | |
| -0.468 % | -0.016 pp | |
| -0.452 % | -0.004 pp | |
| -0.448 % | -0.015 pp | |
| -0.433 % | +0.002 pp | |
| -0.435 % | +0.014 pp | |
| -0.449 % | +0.016 pp | |
| -0.465 % | -0.002 pp | |
| -0.463 % | +0.004 pp | |
| -0.467 % | -0.020 pp | |
| -0.447 % | +0.014 pp | |
| -0.461 % | -0.003 pp | |
| -0.458 % | +0.006 pp | |
| -0.464 % | +0.009 pp | |
| -0.473 % | +0.004 pp | |
| -0.477 % | 0.000 pp | |
| -0.477 % | +0.006 pp | |
| -0.483 % | +0.010 pp | |
| -0.493 % | +0.006 pp | |
| -0.499 % | -0.005 pp | |
| -0.494 % | -0.007 pp | |
| -0.487 % | +0.006 pp | |
| -0.493 % | -0.005 pp | |
| -0.488 % | +0.014 pp | |
| -0.502 % | -0.002 pp | |
| -0.500 % | +0.002 pp | |
| -0.502 % | -0.011 pp | |
| -0.491 % | +0.007 pp | |
| -0.498 % | +0.022 pp | |
| -0.520 % | +0.006 pp | |
| -0.526 % | +0.006 pp | |
| -0.532 % | +0.001 pp | |
| -0.533 % | -0.005 pp | |
| -0.528 % | +0.002 pp | |
| -0.530 % | -0.001 pp | |
| -0.529 % | -0.001 pp | |
| -0.528 % | -0.001 pp | |
| -0.527 % | +0.001 pp | |
| -0.528 % | +0.001 pp | |
| -0.529 % | -0.005 pp | |
| -0.524 % | -0.001 pp | |
| -0.523 % | 0.000 pp | |
| -0.523 % | +0.005 pp | |
| -0.528 % | -0.005 pp | |
| -0.523 % | +0.015 pp | |
| -0.538 % | -0.008 pp | |
| -0.530 % | +0.018 pp | |
| -0.548 % | +0.003 pp | |
| -0.551 % | -0.004 pp | |
| -0.547 % | 0.000 pp | |
| -0.547 % | +0.005 pp | |
| -0.552 % | -0.002 pp | |
| -0.550 % | -0.003 pp | |
| -0.547 % | +0.007 pp | |
| -0.554 % | -0.006 pp | |
| -0.548 % | -0.005 pp | |
| -0.543 % | +0.009 pp | |
| -0.552 % | +0.001 pp | |
| -0.553 % | +0.004 pp | |
| -0.557 % | +0.001 pp | |
| -0.558 % | +0.002 pp | |
| -0.560 % | +0.008 pp | |
| -0.568 % | -0.005 pp | |
| -0.563 % | 0.000 pp | |
| -0.563 % | +0.001 pp | |
| -0.564 % | +0.006 pp | |
| -0.570 % | +0.006 pp | |
| -0.576 % | -0.002 pp | |
| -0.574 % | +0.002 pp | |
| -0.576 % | -0.011 pp | |
| -0.565 % | +0.005 pp | |
| -0.570 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What was the average 3-month Euribor in 2022?
0.362 %. The low was -0.576 % on 5 January 2022 and the high 2.202 % on 28 December 2022.