Household overnight deposit rate
Annualised interest rate reported monthly on euro overnight deposits from households.
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.
Key facts
- Luxembourg had the highest household overnight deposit rate of 21 EU countries in August 2026, at 0.6%, and Cyprus the lowest, at 0%. Source: the European Central Bank.
- Published for 22 places, with figures from January 2003 to August 2026.
Rankings
EU countries by household overnight deposit rate, August 2026
Places with data
World, EU and euro area
Countries
- Germany
- France
- Italy
- Spain
- Netherlands
- Belgium
- Portugal
- Greece
- Austria
- Bulgaria
- Slovakia
- Slovenia
- Ireland
- Estonia
- Latvia
- Malta
Use this data in your AI agent
Invokely serves this figure to AI assistants through MCP and to code through a REST API, with the source and citation attached. Ask your assistant:
Which places have the highest household overnight deposit rate? Use official data and cite it.
rank_places {"indicator":"ecb_household_deposit_rate_overnight","level":"country","within":"European Union (27)"}
GET https://invokely.ai/api/v1/rank?indicator=ecb_household_deposit_rate_overnight&level=country&within=European%20Union%20(27)