Data / Household revolving loan and overdraft rate / Euro area

Household revolving loan and overdraft rate in Euro area

Household revolving loan and overdraft rate in Euro area was 7.28% in August 2026, according to the European Central Bank. That is unchanged from August 2025.

August 20267.28% Provisional
Change on August 20250 pts
Series high8.43January 2012
Series low4.72April 2022
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Household revolving loan and overdraft rate in Euro area, June 2010 to August 2026

4567892010-062012-102015-022017-062019-102022-022024-062026-082026-08: 7.28 %4567892010-062015-112021-042026-082026-08: 7.28 %
%. Source: ECB, ECB MIR: Household revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N). Retrieved 2026-10-12.
All 195 values
Period%
2026-087.28 Provisional
2026-077.32
2026-067.29
2026-057.19
2026-047.23
2026-037.3
2026-027.26
2026-017.27
2025-127.23
2025-117.25
2025-107.32
2025-097.34
2025-087.28
2025-077.28
2025-067.4
2025-057.48
2025-047.53
2025-037.73
2025-027.74
2025-017.8
2024-127.91
2024-117.96
2024-108.06
2024-098.22
2024-088.16
2024-078.15
2024-068.18
2024-058.21
2024-048.14
2024-038.19
2024-028.19
2024-018.14
2023-128.04
2023-117.99
2023-107.99
2023-097.79
2023-087.6
2023-077.5
2023-067.29
2023-057.15
2023-046.98
2023-036.72
2023-026.54
2023-016.32
2022-125.92
2022-115.78
2022-105.56
2022-095.24
2022-084.93
2022-074.81
2022-064.78
2022-054.77
2022-044.72
2022-034.79
2022-024.78
2022-014.75
2021-124.73
2021-114.8
2021-104.8
2021-094.89
2021-084.82
2021-074.77
2021-064.87
2021-054.87
2021-044.88
2021-034.99
2021-025.02
2021-015.01
2020-125
2020-115.12
2020-105.19
2020-095.24
2020-085.21
2020-075.17
2020-065.29
2020-055.27
2020-045.39
2020-035.6
2020-025.62
2020-015.61
2019-125.57
2019-115.6
2019-105.69
2019-095.81
2019-085.74
2019-075.74
2019-065.81
2019-055.8
2019-045.87
2019-035.89
2019-025.96
2019-015.91
2018-125.87
2018-115.93
2018-105.97
2018-096.04
2018-086.01
2018-076
2018-066.04
2018-056.09
2018-046.11
2018-036.13
2018-026.19
2018-016.16
2017-126.08
2017-116.21
2017-106.23
2017-096.26
2017-086.23
2017-076.26
2017-066.3
2017-056.31
2017-046.33
2017-036.38
2017-026.37
2017-016.33
2016-126.33
2016-116.39
2016-106.42
2016-096.49
2016-086.47
2016-076.45
2016-066.53
2016-056.55
2016-046.53
2016-036.62
2016-026.65
2016-016.64
2015-126.6
2015-116.67
2015-106.7
2015-096.84
2015-086.82
2015-076.81
2015-066.96
2015-056.97
2015-047.01
2015-037.11
2015-027.12
2015-017.16
2014-127.13
2014-117.18
2014-107.2
2014-097.37
2014-087.3
2014-077.3
2014-067.47
2014-057.42
2014-047.47
2014-037.53
2014-027.52
2014-017.55
2013-127.5
2013-117.51
2013-107.53
2013-097.65
2013-087.62
2013-077.63
2013-067.73
2013-057.79
2013-047.81
2013-037.92
2013-027.93
2013-017.93
2012-127.9
2012-117.92
2012-108
2012-098.1
2012-088.08
2012-078.11
2012-068.24
2012-058.24
2012-048.24
2012-038.37
2012-028.38
2012-018.43
2011-128.41
2011-118.39
2011-108.41
2011-098.41
2011-088.31
2011-078.29
2011-068.26
2011-058.19
2011-048.13
2011-038.05
2011-028.1
2011-018.08
2010-128.04
2010-118.05
2010-108.06
2010-098.12
2010-088.04
2010-078.02
2010-067.98

Rankings

Definition

Annualised interest rate reported monthly on euro revolving loans and overdrafts to 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 revolving loan and overdraft rate (M.<area>.B.A2Z1.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.A2Z1.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 revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N) (Household revolving loan and overdraft rate, Euro area, 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.A2Z1.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Household revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N), Household revolving loan and overdraft rate, Euro area, 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.A2Z1.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/en/household-revolving-loan-and-overdraft-rate/euro-area. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Household revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N). Household revolving loan and overdraft rate, Euro area, 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.A2Z1.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/en/household-revolving-loan-and-overdraft-rate/euro-area.

Harvard

European Central Bank (no date) ECB MIR: Household revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N), Household revolving loan and overdraft rate, Euro area, 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.A2Z1.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/en/household-revolving-loan-and-overdraft-rate/euro-area (Accessed: 12 October 2026).

BibTeX
@misc{european_household_revolving_loan_and_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: Household revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N): Household revolving loan and overdraft rate, Euro area, 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.A2Z1.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/household-revolving-loan-and-overdraft-rate/euro-area. Publisher attribution: European Central Bank. ECB MIR: Household revolving loan and overdraft rate (M.<area>.B.A2Z1.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.A2Z1.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 revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N): Household revolving loan and overdraft rate, Euro area, 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.A2Z1.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/en/household-revolving-loan-and-overdraft-rate/euro-area
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/household-revolving-loan-and-overdraft-rate/euro-area.
N1  - Publisher attribution: European Central Bank. ECB MIR: Household revolving loan and overdraft rate (M.<area>.B.A2Z1.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.A2Z1.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 revolving loan and overdraft rate in Euro area?

Household revolving loan and overdraft rate in Euro area was 7.28% in August 2026, according to the European Central Bank. That is unchanged from August 2025.

Where does this figure come from?

European Central Bank. ECB MIR: Household revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N). Retrieved by Invokely on 2026-10-12.

What was the highest household revolving loan and overdraft rate in Euro area?

8.43% in January 2012, the highest value since June 2010 in this series.

Related statistics for Euro area

All statistics for Euro area