Data / Household extended credit card rate / Germany

Household extended credit card rate in Germany

Household extended credit card rate in Germany was 17.52% in August 2026, according to the European Central Bank. That is up 0.56 pts from August 2025. That is the 6th highest of 17 EU countries in August 2026.

August 202617.52% Provisional
Change on August 2025+0.56 pts
Rank6th of 17EU countries ranked
Series high18.67June 2024
Series low14.45March 2012
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Household extended credit card rate in Germany, June 2010 to August 2026

1415161718192010-062012-102015-022017-062019-102022-022024-062026-082026-08: 17.52 %141618202010-062015-112021-042026-082026-08: 17.52 %
%. 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%
2026-0817.52 Provisional
2026-0717.38
2026-0617.24
2026-0517.22
2026-0417.17
2026-0317.08
2026-0217.04
2026-0117.08
2025-1217.04
2025-1116.99
2025-1017.01
2025-0916.97
2025-0816.96
2025-0717.22
2025-0617.43
2025-0517.43
2025-0417.65
2025-0317.66
2025-0217.75
2025-0117.94
2024-1218.26
2024-1118.26
2024-1018.29
2024-0918.66
2024-0818.6
2024-0718.61
2024-0618.67
2024-0518.66
2024-0418.65
2024-0318.66
2024-0218.29
2024-0118.22
2023-1218.17
2023-1118.18
2023-1018.09
2023-0917.86
2023-0817.79
2023-0717.58
2023-0617.23
2023-0517.19
2023-0417.13
2023-0316.58
2023-0216.6
2023-0116.34
2022-1215.55
2022-1115.61
2022-1015.66
2022-0914.97
2022-0814.94
2022-0714.8
2022-0614.84
2022-0514.89
2022-0414.96
2022-0314.94
2022-0214.96
2022-0114.97
2021-1214.94
2021-1115.01
2021-1015.02
2021-0915.53
2021-0815.58
2021-0715.54
2021-0615.55
2021-0515.51
2021-0415.48
2021-0315.45
2021-0215.38
2021-0115.28
2020-1215.15
2020-1115.06
2020-1015.03
2020-0915.04
2020-0815.08
2020-0715.19
2020-0615.22
2020-0515.24
2020-0415.19
2020-0315.19
2020-0215.14
2020-0115.13
2019-1215.11
2019-1115.11
2019-1015.05
2019-0915.08
2019-0814.78
2019-0714.77
2019-0614.77
2019-0514.76
2019-0414.75
2019-0314.75
2019-0214.76
2019-0114.78
2018-1214.75
2018-1114.77
2018-1014.79
2018-0914.79
2018-0814.73
2018-0714.74
2018-0614.77
2018-0514.79
2018-0414.85
2018-0314.87
2018-0214.92
2018-0114.92
2017-1214.94
2017-1115.11
2017-1015.1
2017-0915.09
2017-0815.12
2017-0715.11
2017-0615.13
2017-0515.13
2017-0415.13
2017-0315.13
2017-0215.14
2017-0115.12
2016-1215.06
2016-1115.13
2016-1015.13
2016-0915.13
2016-0815.22
2016-0715.22
2016-0615.23
2016-0515.21
2016-0415.24
2016-0315.42
2016-0215.36
2016-0115.36
2015-1215.31
2015-1115.32
2015-1015.43
2015-0915.43
2015-0815.39
2015-0715.36
2015-0615.28
2015-0515.44
2015-0415.44
2015-0315.39
2015-0215.42
2015-0115.45
2014-1215.42
2014-1115.44
2014-1015.44
2014-0915.43
2014-0815.46
2014-0715.48
2014-0615.53
2014-0515.52
2014-0415.43
2014-0314.7
2014-0214.68
2014-0114.64
2013-1214.77
2013-1114.79
2013-1014.78
2013-0914.78
2013-0814.75
2013-0714.73
2013-0614.81
2013-0514.86
2013-0414.85
2013-0314.86
2013-0214.87
2013-0114.83
2012-1214.77
2012-1114.83
2012-1014.85
2012-0914.96
2012-0814.94
2012-0714.97
2012-0614.98
2012-0514.99
2012-0414.48
2012-0314.45
2012-0214.73
2012-0114.69
2011-1214.77
2011-1114.78
2011-1014.79
2011-0915.23
2011-0815.18
2011-0715.11
2011-0615.02
2011-0515.04
2011-0415.02
2011-0314.96
2011-0214.97
2011-0115.03
2010-1214.93
2010-1114.93
2010-1014.9
2010-0914.99
2010-0814.97
2010-0714.97
2010-0615.17

Germany compared with nearby places

Belgium: 11.97 %Bulgaria: 21.55 %Cyprus: 11.84 %Germany: 17.52 %Estonia: 18.93 %Spain: 18.26 %Finland: 12.29 %France: 0 %Greece: 16.87 %Croatia: 3.56 %Italy: 14.72 %Lithuania: 16.28 %Latvia: 17.82 %Malta: 7.72 %Portugal: 16.07 %Slovenia: 10.48 %Slovakia: 18.95 %
  • Under 11
  • 11 to 13
  • 13 to 17
  • 17 to 18
  • 18 and over
  • No data
Household extended credit card rate, August 2026, %. Germany is outlined. Same source and period for every area shown. Source: European Central Bank. Boundaries: Natural Earth (public domain).

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

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

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, Germany, 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, Germany, 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/germany. 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, Germany, 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/germany.

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, Germany, 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/germany (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, Germany, 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/germany. 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, Germany, 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/germany
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/household-extended-credit-card-rate/germany.
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 Germany?

Household extended credit card rate in Germany was 17.52% in August 2026, according to the European Central Bank. That is up 0.56 pts from August 2025. That is the 6th highest of 17 EU countries in August 2026.

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 Germany?

18.67% in June 2024, the highest value since June 2010 in this series.

Household extended credit card rate elsewhere in European Union (27)

Related statistics for Germany

All statistics for Germany | Germany in figures