Data / Household overnight deposit rate / Euro area

Household overnight deposit rate in Euro area

Household overnight deposit rate in Euro area was 0.29% in August 2026, according to the European Central Bank. That is up 0.04 pts from August 2025.

August 20260.29% Provisional
Change on August 2025+0.04 pts
Series high1.34October 2008
Series low0May 2022
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Household overnight deposit rate in Euro area, January 2003 to August 2026

00.511.52003-012006-062009-112013-042016-092020-022023-072026-082026-08: 0.29 %00.511.52003-012010-122018-112026-082026-08: 0.29 %
%. Source: ECB, ECB MIR: Household overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N). Retrieved 2026-10-12.
All 284 values
Period%
2026-080.29 Provisional
2026-070.28
2026-060.28
2026-050.27
2026-040.27
2026-030.26
2026-020.26
2026-010.25
2025-120.25
2025-110.25
2025-100.25
2025-090.25
2025-080.25
2025-070.25
2025-060.27
2025-050.29
2025-040.29
2025-030.31
2025-020.32
2025-010.34
2024-120.35
2024-110.35
2024-100.36
2024-090.37
2024-080.38
2024-070.38
2024-060.38
2024-050.39
2024-040.39
2024-030.39
2024-020.38
2024-010.39
2023-120.37
2023-110.36
2023-100.35
2023-090.33
2023-080.31
2023-070.27
2023-060.23
2023-050.21
2023-040.17
2023-030.14
2023-020.11
2023-010.09
2022-120.07
2022-110.04
2022-100.03
2022-090.02
2022-080.01
2022-070.01
2022-060
2022-050
2022-040.01
2022-030.01
2022-020.01
2022-010.01
2021-120.01
2021-110.01
2021-100.01
2021-090.01
2021-080.01
2021-070.01
2021-060.01
2021-050.01
2021-040.01
2021-030.01
2021-020.01
2021-010.01
2020-120.01
2020-110.02
2020-100.02
2020-090.02
2020-080.02
2020-070.02
2020-060.02
2020-050.02
2020-040.02
2020-030.02
2020-020.02
2020-010.02
2019-120.03
2019-110.03
2019-100.03
2019-090.03
2019-080.03
2019-070.03
2019-060.03
2019-050.03
2019-040.03
2019-030.03
2019-020.03
2019-010.03
2018-120.03
2018-110.04
2018-100.03
2018-090.03
2018-080.03
2018-070.03
2018-060.03
2018-050.04
2018-040.04
2018-030.04
2018-020.04
2018-010.04
2017-120.05
2017-110.04
2017-100.05
2017-090.05
2017-080.05
2017-070.05
2017-060.05
2017-050.05
2017-040.06
2017-030.06
2017-020.06
2017-010.07
2016-120.07
2016-110.08
2016-100.08
2016-090.08
2016-080.08
2016-070.09
2016-060.09
2016-050.1
2016-040.11
2016-030.11
2016-020.12
2016-010.12
2015-120.13
2015-110.14
2015-100.14
2015-090.14
2015-080.14
2015-070.15
2015-060.15
2015-050.16
2015-040.16
2015-030.17
2015-020.18
2015-010.19
2014-120.2
2014-110.2
2014-100.2
2014-090.21
2014-080.22
2014-070.23
2014-060.25
2014-050.26
2014-040.26
2014-030.26
2014-020.26
2014-010.26
2013-120.27
2013-110.27
2013-100.28
2013-090.28
2013-080.29
2013-070.29
2013-060.3
2013-050.32
2013-040.33
2013-030.34
2013-020.34
2013-010.35
2012-120.37
2012-110.38
2012-100.39
2012-090.4
2012-080.41
2012-070.43
2012-060.45
2012-050.46
2012-040.47
2012-030.49
2012-020.5
2012-010.51
2011-120.52
2011-110.53
2011-100.54
2011-090.53
2011-080.52
2011-070.5
2011-060.48
2011-050.47
2011-040.45
2011-030.44
2011-020.43
2011-010.42
2010-120.41
2010-110.42
2010-100.42
2010-090.42
2010-080.42
2010-070.41
2010-060.42
2010-050.4
2010-040.41
2010-030.42
2010-020.42
2010-010.43
2009-120.45
2009-110.46
2009-100.46
2009-090.49
2009-080.5
2009-070.52
2009-060.56
2009-050.61
2009-040.66
2009-030.8
2009-020.9
2009-011.02
2008-121.16
2008-111.29
2008-101.34
2008-091.32
2008-081.29
2008-071.26
2008-061.24
2008-051.23
2008-041.22
2008-031.22
2008-021.21
2008-011.2
2007-121.18
2007-111.18
2007-101.17
2007-091.16
2007-081.14
2007-071.1
2007-061.08
2007-051.06
2007-041.04
2007-031.02
2007-021
2007-010.98
2006-120.92
2006-110.91
2006-100.9
2006-090.86
2006-080.85
2006-070.81
2006-060.81
2006-050.79
2006-040.79
2006-030.76
2006-020.74
2006-010.73
2005-120.71
2005-110.7
2005-100.69
2005-090.69
2005-080.68
2005-070.68
2005-060.7
2005-050.75
2005-040.74
2005-030.74
2005-020.74
2005-010.74
2004-120.73
2004-110.73
2004-100.72
2004-090.72
2004-080.72
2004-070.7
2004-060.7
2004-050.71
2004-040.7
2004-030.71
2004-020.7
2004-010.7
2003-120.7
2003-110.69
2003-100.69
2003-090.69
2003-080.68
2003-070.69
2003-060.76
2003-050.85
2003-040.84
2003-030.87
2003-020.91
2003-010.89

Rankings

Definition

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.

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How to cite

European Central Bank. ECB MIR: Household overnight deposit rate (M.<area>.B.L21.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.L21.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 overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N) (Household overnight deposit rate, Euro area, 2003-01 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.L21.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Household overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N), Household overnight deposit rate, Euro area, 2003-01 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.L21.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/en/household-overnight-deposit-rate/euro-area. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Household overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N). Household overnight deposit rate, Euro area, 2003-01 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.L21.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/en/household-overnight-deposit-rate/euro-area.

Harvard

European Central Bank (no date) ECB MIR: Household overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N), Household overnight deposit rate, Euro area, 2003-01 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.L21.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/en/household-overnight-deposit-rate/euro-area (Accessed: 12 October 2026).

BibTeX
@misc{european_household_overnight_deposit_rate_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: Household overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N): Household overnight deposit rate, Euro area, 2003-01 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.L21.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/household-overnight-deposit-rate/euro-area. Publisher attribution: European Central Bank. ECB MIR: Household overnight deposit rate (M.<area>.B.L21.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.L21.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 overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N): Household overnight deposit rate, Euro area, 2003-01 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.L21.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/en/household-overnight-deposit-rate/euro-area
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/household-overnight-deposit-rate/euro-area.
N1  - Publisher attribution: European Central Bank. ECB MIR: Household overnight deposit rate (M.<area>.B.L21.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.L21.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 overnight deposit rate in Euro area?

Household overnight deposit rate in Euro area was 0.29% in August 2026, according to the European Central Bank. That is up 0.04 pts from August 2025.

Where does this figure come from?

European Central Bank. ECB MIR: Household overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N). Retrieved by Invokely on 2026-10-12.

What was the highest household overnight deposit rate in Euro area?

1.34% in October 2008, the highest value since January 2003 in this series.

Related statistics for Euro area

All statistics for Euro area