Data / Household overnight deposit rate / Germany

Household overnight deposit rate in Germany

Household overnight deposit rate in Germany was 0.51% in August 2026, according to the European Central Bank. That is up 0.08 pts from August 2025. That is the 2nd highest of 21 EU countries in August 2026.

August 20260.51% Provisional
Change on August 2025+0.08 pts
Rank2nd of 21EU countries ranked
Series high2.09October 2008
Series low-0.02February 2022
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Household overnight deposit rate in Germany, January 2003 to August 2026

-0.500.511.522.52003-012006-062009-112013-042016-092020-022023-072026-082026-08: 0.51 %-101232003-012010-122018-112026-082026-08: 0.51 %
%. 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%
2026-080.51 Provisional
2026-070.5
2026-060.51
2026-050.48
2026-040.48
2026-030.47
2026-020.45
2026-010.43
2025-120.44
2025-110.43
2025-100.43
2025-090.44
2025-080.43
2025-070.43
2025-060.47
2025-050.51
2025-040.5
2025-030.52
2025-020.52
2025-010.56
2024-120.56
2024-110.54
2024-100.57
2024-090.57
2024-080.58
2024-070.58
2024-060.59
2024-050.6
2024-040.6
2024-030.6
2024-020.58
2024-010.62
2023-120.6
2023-110.59
2023-100.56
2023-090.55
2023-080.51
2023-070.41
2023-060.34
2023-050.3
2023-040.22
2023-030.17
2023-020.12
2023-010.09
2022-120.07
2022-110.02
2022-100.01
2022-090.01
2022-080
2022-070
2022-06-0.02
2022-05-0.02
2022-04-0.02
2022-03-0.02
2022-02-0.02
2022-01-0.01
2021-12-0.01
2021-11-0.01
2021-10-0.01
2021-09-0.01
2021-08-0.01
2021-07-0.01
2021-06-0.01
2021-05-0.01
2021-040
2021-030
2021-020
2021-010
2020-120
2020-110
2020-100
2020-090
2020-080
2020-070
2020-060
2020-050
2020-040
2020-030
2020-020
2020-010.01
2019-120.01
2019-110.01
2019-100.01
2019-090.01
2019-080.01
2019-070.01
2019-060.01
2019-050.01
2019-040.01
2019-030.01
2019-020.02
2019-010.02
2018-120.02
2018-110.02
2018-100.01
2018-090.01
2018-080.01
2018-070.02
2018-060.02
2018-050.02
2018-040.02
2018-030.02
2018-020.03
2018-010.03
2017-120.03
2017-110.03
2017-100.03
2017-090.03
2017-080.03
2017-070.04
2017-060.04
2017-050.05
2017-040.05
2017-030.05
2017-020.06
2017-010.07
2016-120.07
2016-110.07
2016-100.07
2016-090.08
2016-080.08
2016-070.08
2016-060.08
2016-050.1
2016-040.1
2016-030.11
2016-020.12
2016-010.12
2015-120.13
2015-110.14
2015-100.15
2015-090.14
2015-080.14
2015-070.14
2015-060.15
2015-050.16
2015-040.16
2015-030.17
2015-020.2
2015-010.22
2014-120.22
2014-110.23
2014-100.23
2014-090.25
2014-080.26
2014-070.26
2014-060.31
2014-050.32
2014-040.32
2014-030.33
2014-020.33
2014-010.33
2013-120.34
2013-110.34
2013-100.36
2013-090.37
2013-080.37
2013-070.38
2013-060.39
2013-050.41
2013-040.43
2013-030.45
2013-020.46
2013-010.49
2012-120.51
2012-110.53
2012-100.55
2012-090.57
2012-080.61
2012-070.65
2012-060.7
2012-050.72
2012-040.75
2012-030.77
2012-020.81
2012-010.83
2011-120.85
2011-110.85
2011-100.86
2011-090.86
2011-080.84
2011-070.81
2011-060.76
2011-050.74
2011-040.7
2011-030.7
2011-020.68
2011-010.67
2010-120.66
2010-110.68
2010-100.69
2010-090.69
2010-080.69
2010-070.69
2010-060.71
2010-050.69
2010-040.69
2010-030.7
2010-020.71
2010-010.73
2009-120.75
2009-110.75
2009-100.79
2009-090.82
2009-080.84
2009-070.88
2009-060.94
2009-051.03
2009-041.13
2009-031.38
2009-021.55
2009-011.77
2008-121.85
2008-112.02
2008-102.09
2008-092.05
2008-081.99
2008-071.95
2008-061.91
2008-051.9
2008-041.91
2008-031.9
2008-021.89
2008-011.89
2007-121.83
2007-111.84
2007-101.86
2007-091.85
2007-081.85
2007-071.77
2007-061.73
2007-051.7
2007-041.67
2007-031.63
2007-021.61
2007-011.58
2006-121.49
2006-111.45
2006-101.47
2006-091.43
2006-081.41
2006-071.36
2006-061.35
2006-051.34
2006-041.31
2006-031.26
2006-021.23
2006-011.22
2005-121.2
2005-111.17
2005-101.18
2005-091.18
2005-081.17
2005-071.17
2005-061.22
2005-051.23
2005-041.21
2005-031.21
2005-021.2
2005-011.19
2004-121.17
2004-111.15
2004-101.17
2004-091.17
2004-081.16
2004-071.14
2004-061.13
2004-051.13
2004-041.13
2004-031.12
2004-021.1
2004-011.1
2003-121.08
2003-111.06
2003-101.07
2003-091.06
2003-081.05
2003-071.06
2003-061.16
2003-051.2
2003-041.21
2003-031.24
2003-021.25
2003-011.2

Germany compared with nearby places

Austria: 0.45 %Belgium: 0.06 %Bulgaria: 0.01 %Cyprus: 0 %Germany: 0.51 %Estonia: 0.32 %Spain: 0.16 %Finland: 0.38 %France: 0.05 %Greece: 0.03 %Croatia: 0.02 %Ireland: 0.22 %Italy: 0.2 %Lithuania: 0.25 %Luxembourg: 0.6 %Latvia: 0.42 %Malta: 0.07 %Netherlands: 0.14 %Portugal: 0.04 %Slovenia: 0.1 %Slovakia: 0.07 %
  • Under 0.04
  • 0.04 to 0.07
  • 0.07 to 0.2
  • 0.2 to 0.38
  • 0.38 and over
  • No data
Household overnight deposit 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 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, Germany, 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, Germany, 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/germany. 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, Germany, 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/germany.

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

Household overnight deposit rate in Germany was 0.51% in August 2026, according to the European Central Bank. That is up 0.08 pts from August 2025. That is the 2nd highest of 21 EU countries in August 2026.

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 Germany?

2.09% in October 2008, the highest value since January 2003 in this series.

Household overnight deposit rate elsewhere in European Union (27)

Related statistics for Germany

All statistics for Germany | Germany in figures