3-month Euribor – April 2022
The average 3-month Euribor for April 2022 is -0.448 %, computed from 19 daily fixings (complete). The month opened at -0.461 %, closed at -0.429 %, with a low of -0.475 % and a high of -0.415 %. Versus March 2022 the average is down -0.019 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 3-month Euribor plus 1 pp would pay 0.55 % 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 |
|---|---|---|
| -0.429 % | +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 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for April 2022?
-0.448 %, computed from 19 daily fixings. The ECB's official monthly average is -0.448 %.
My mortgage revises with the April average – what rate applies?
Reference -0.448 % plus your contractual spread; with a 1 pp spread the new rate is 0.55 %. 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