# Household overnight deposit rate

Annualised interest rate reported monthly on euro overnight deposits from households.

## 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.
- Figures last updated on 2026-10-12.

- Indicator id: `ecb_household_deposit_rate_overnight`
- Unit: %
- Note: 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.
- Web page: https://invokely.ai/en/household-overnight-deposit-rate
- API: https://invokely.ai/api/v1/indicators/ecb_household_deposit_rate_overnight

## Rankings

- [EU countries](https://invokely.ai/rankings/household-overnight-deposit-rate/eu-countries.md) (21 places)