Data / Household extended credit card rate / Euro area

Household extended credit card rate in Euro area

Household extended credit card rate in Euro area was 16.54% in August 2026, according to the European Central Bank. That is up 0.14 pts from August 2025.

August 202616.54% Provisional
Change on August 2025+0.14 pts
Series high17.23May 2014
Series low15.83November 2020
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Household extended credit card rate in Euro area, June 2010 to August 2026

15.51616.51717.52010-062012-102015-022017-062019-102022-022024-062026-082026-08: 16.54 %15.51616.51717.52010-062015-112021-042026-082026-08: 16.54 %
%. Source: ECB, ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N). Retrieved 2026-10-12.
All 195 values
Period%
2026-0816.54 Provisional
2026-0716.53
2026-0616.51
2026-0516.45
2026-0416.47
2026-0316.5
2026-0216.45
2026-0116.52
2025-1216.45
2025-1116.45
2025-1016.4
2025-0916.42
2025-0816.4
2025-0716.44
2025-0616.48
2025-0516.5
2025-0416.58
2025-0316.63
2025-0216.69
2025-0116.77
2024-1216.84
2024-1116.84
2024-1016.89
2024-0917.04
2024-0816.99
2024-0717
2024-0617.01
2024-0517.04
2024-0416.98
2024-0316.96
2024-0216.86
2024-0116.91
2023-1216.89
2023-1116.76
2023-1016.65
2023-0916.64
2023-0816.57
2023-0716.51
2023-0616.44
2023-0516.43
2023-0416.39
2023-0316.21
2023-0216.2
2023-0116.13
2022-1216.02
2022-1116.01
2022-1016.03
2022-0915.86
2022-0815.91
2022-0715.88
2022-0615.9
2022-0515.89
2022-0415.92
2022-0315.89
2022-0215.85
2022-0115.91
2021-1215.94
2021-1115.91
2021-1015.95
2021-0915.97
2021-0816.05
2021-0716.02
2021-0616.06
2021-0516.11
2021-0416.11
2021-0316.13
2021-0216.09
2021-0116.14
2020-1215.84
2020-1115.83
2020-1015.88
2020-0915.91
2020-0815.91
2020-0715.97
2020-0616.06
2020-0516.11
2020-0416.11
2020-0316.23
2020-0216.63
2020-0116.59
2019-1216.59
2019-1116.51
2019-1016.49
2019-0916.44
2019-0816.44
2019-0716.43
2019-0616.47
2019-0516.53
2019-0416.52
2019-0316.49
2019-0216.45
2019-0116.48
2018-1216.65
2018-1116.67
2018-1016.73
2018-0916.71
2018-0816.78
2018-0716.8
2018-0616.84
2018-0516.86
2018-0416.84
2018-0316.87
2018-0216.85
2018-0116.89
2017-1216.86
2017-1116.83
2017-1016.83
2017-0916.83
2017-0816.83
2017-0716.83
2017-0616.84
2017-0516.72
2017-0416.72
2017-0316.72
2017-0216.72
2017-0116.66
2016-1216.72
2016-1116.75
2016-1016.82
2016-0916.82
2016-0816.83
2016-0716.85
2016-0616.85
2016-0516.8
2016-0416.87
2016-0316.93
2016-0216.93
2016-0116.93
2015-1217
2015-1116.96
2015-1017.03
2015-0917.09
2015-0817.08
2015-0717.13
2015-0617.07
2015-0517.13
2015-0417.06
2015-0317.1
2015-0217.1
2015-0117.17
2014-1217.15
2014-1117.16
2014-1016.99
2014-0917.1
2014-0817.04
2014-0717.04
2014-0617.19
2014-0517.23
2014-0417.22
2014-0317.05
2014-0217.05
2014-0117.05
2013-1216.92
2013-1116.96
2013-1017.02
2013-0917.02
2013-0817.01
2013-0716.96
2013-0617.04
2013-0517.08
2013-0417.09
2013-0317.07
2013-0217.04
2013-0117.06
2012-1216.93
2012-1116.95
2012-1016.98
2012-0916.97
2012-0816.97
2012-0717.02
2012-0617.06
2012-0517.11
2012-0417.08
2012-0316.95
2012-0217.04
2012-0117.05
2011-1217.06
2011-1117.1
2011-1017.16
2011-0917.16
2011-0817.09
2011-0716.93
2011-0616.93
2011-0516.89
2011-0416.91
2011-0316.86
2011-0216.79
2011-0116.72
2010-1216.58
2010-1116.57
2010-1016.51
2010-0916.55
2010-0816.51
2010-0716.52
2010-0616.5

Rankings

Definition

Annualised interest rate reported monthly on euro extended credit card debt owed by households, where the card balance is carried beyond the interest-free period.

For this instrument the ECB extends new-business coverage to the whole outstanding amount. The rate therefore covers existing balances and is not restricted to new flows during the month. Annualised agreed rates or narrowly defined effective rates (AAR/NDER) cover interest and exclude fees and other charges. Household figures include non-profit institutions serving households. Corporations are non-financial companies. The euro area aggregate has changing membership. Country histories vary and missing values are not filled.

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How to cite

European Central Bank. ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N). https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2Z3.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.

Citation styles

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APA 7

European Central Bank. (n.d.). ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N) (Household extended credit card rate, Euro area, 2010-06 to 2026-08) [Data set]. Retrieved October 12, 2026, from https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2Z3.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N), Household extended credit card rate, Euro area, 2010-06 to 2026-08. European Central Bank, https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2Z3.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/en/household-extended-credit-card-rate/euro-area. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N). Household extended credit card rate, Euro area, 2010-06 to 2026-08. Dataset. Accessed October 12, 2026. https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2Z3.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/en/household-extended-credit-card-rate/euro-area.

Harvard

European Central Bank (no date) ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N), Household extended credit card rate, Euro area, 2010-06 to 2026-08 [Dataset]. Available at: https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2Z3.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/en/household-extended-credit-card-rate/euro-area (Accessed: 12 October 2026).

BibTeX
@misc{european_household_extended_credit_card_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N): Household extended credit card rate, Euro area, 2010-06 to 2026-08}},
  howpublished = {Data set},
  url = {https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2Z3.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/household-extended-credit-card-rate/euro-area. Publisher attribution: European Central Bank. ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N). https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2Z3.A.R.A.2250.EUR.N?format=csvdata\&startPeriod=2003-01. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N): Household extended credit card rate, Euro area, 2010-06 to 2026-08
PB  - European Central Bank
DB  - Invokely
UR  - https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2Z3.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/en/household-extended-credit-card-rate/euro-area
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/household-extended-credit-card-rate/euro-area.
N1  - Publisher attribution: European Central Bank. ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N). https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2Z3.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
ER  -
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Questions

What is the household extended credit card rate in Euro area?

Household extended credit card rate in Euro area was 16.54% in August 2026, according to the European Central Bank. That is up 0.14 pts from August 2025.

Where does this figure come from?

European Central Bank. ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N). Retrieved by Invokely on 2026-10-12.

What was the highest household extended credit card rate in Euro area?

17.23% in May 2014, the highest value since June 2010 in this series.

Related statistics for Euro area

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