3-month Euribor – March 2022
The average 3-month Euribor for March 2022 is -0.429 %, computed from 23 daily fixings (complete). The month opened at 0.000 %, closed at -0.458 %, with a low of -0.532 % and a high of 0.000 %. Versus February 2022 the average is up 0.077 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in March on the 3-month Euribor plus 1 pp would pay 0.57 % 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.
March 2022
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| -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 % | -0.502 pp | |
| 0.000 % | +0.491 pp | |
| -0.491 % | -0.491 pp | |
| 0.000 % | +0.498 pp | |
| -0.498 % | +0.022 pp | |
| -0.520 % | +0.006 pp | |
| -0.526 % | +0.006 pp | |
| -0.532 % | -0.532 pp | |
| 0.000 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for March 2022?
-0.429 %, computed from 23 daily fixings. The ECB's official monthly average is -0.495 %.
My mortgage revises with the March average – what rate applies?
Reference -0.429 % plus your contractual spread; with a 1 pp spread the new rate is 0.57 %. 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