3-month Euribor – August 2022
The average 3-month Euribor for August 2022 is 0.395 %, computed from 23 daily fixings (complete). The month opened at 0.246 %, closed at 0.654 %, with a low of 0.246 % and a high of 0.654 %. Versus July 2022 the average is up +0.358 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 3-month Euribor plus 1 pp would pay 1.39 % 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 |
|---|---|---|
| 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 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for August 2022?
0.395 %, computed from 23 daily fixings. The ECB's official monthly average is 0.395 %.
My mortgage revises with the August average – what rate applies?
Reference 0.395 % plus your contractual spread; with a 1 pp spread the new rate is 1.39 %. 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