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Euribor Edges Down to 2.22% in February, Marking a Second Straight Drop

ECB rate stability is keeping the benchmark in a tight range that yields modest relief for variable borrowers.

El euríbor 'pasa' de la incertidumbre global y se apunta una ligera bajada en febrero, colocándose en el 2,2%.
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Overview

  • The benchmark averaged about 2.22% in February 2026, with a daily reading of 2.217% on February 26, and stands roughly 0.19 percentage points below its level a year earlier.
  • The decline is the second monthly fall of 2026, offering small but real cuts to payments for many variable-rate mortgages that are reviewed annually.
  • Households with semiannual revisions may see slight increases because August 2025’s Euribor was lower than the current level.
  • Banks have raised prices on fixed-rate mortgages, with Sabadell, Bankinter and Ibercaja tightening offers as higher long-term IRS levels lift hedging costs.
  • Analysts expect the rate to hover near 2.2%–2.3% in the coming months barring inflation surprises, though geopolitical tensions and U.S. trade measures are cited as risks to that outlook.