3-month Euribor – January 2022
The average 3-month Euribor for January 2022 is -0.560 %, computed from 21 daily fixings (complete). The month opened at -0.570 %, closed at -0.552 %, with a low of -0.576 % and a high of -0.543 %. Versus December 2021 the average is down 0.053 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in January on the 3-month Euribor plus 1 pp would pay 0.44 % 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.
January 2022
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| -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: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for January 2022?
-0.560 %, computed from 21 daily fixings. The ECB's official monthly average is -0.560 %.
My mortgage revises with the January average – what rate applies?
Reference -0.560 % plus your contractual spread; with a 1 pp spread the new rate is 0.44 %. 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