Data / Household revolving loan and overdraft rate / Germany

Household revolving loan and overdraft rate in Germany

Household revolving loan and overdraft rate in Germany was 9.46% in August 2026, according to the European Central Bank. That is up 0.11 pts from August 2025. That is the 5th highest of 21 EU countries in August 2026.

August 20269.46% Provisional
Change on August 2025+0.11 pts
Rank5th of 21EU countries ranked
Series high11.23May 2024
Series low6.9July 2021
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Household revolving loan and overdraft rate in Germany, June 2010 to August 2026

67891011122010-062012-102015-022017-062019-102022-022024-062026-082026-08: 9.46 %6810122010-062015-112021-042026-082026-08: 9.46 %
%. 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%
2026-089.46 Provisional
2026-079.4
2026-069.39
2026-059.19
2026-049.19
2026-039.32
2026-029.27
2026-019.3
2025-129.28
2025-119.25
2025-109.39
2025-099.47
2025-089.35
2025-079.5
2025-069.75
2025-059.79
2025-049.91
2025-0310.27
2025-0210.3
2025-0110.48
2024-1210.72
2024-1110.75
2024-1010.91
2024-0911.1
2024-0811.06
2024-0711.05
2024-0611.09
2024-0511.23
2024-0411.19
2024-0311.17
2024-0211.22
2024-0111.19
2023-1211.03
2023-1110.95
2023-1011.02
2023-0910.75
2023-0810.6
2023-0710.48
2023-0610.3
2023-0510.1
2023-049.76
2023-039.54
2023-029.32
2023-018.95
2022-128.53
2022-118.2
2022-107.74
2022-097.36
2022-087.17
2022-076.98
2022-067.02
2022-056.98
2022-046.91
2022-037.02
2022-026.95
2022-016.97
2021-126.93
2021-116.9
2021-106.94
2021-097.06
2021-086.99
2021-076.9
2021-067.05
2021-057.01
2021-047.02
2021-037.11
2021-027.03
2021-017.08
2020-127.11
2020-117.17
2020-107.19
2020-097.33
2020-087.31
2020-077.35
2020-067.39
2020-057.23
2020-047.35
2020-037.64
2020-027.63
2020-017.65
2019-127.69
2019-117.62
2019-107.8
2019-097.91
2019-087.84
2019-077.81
2019-067.92
2019-057.92
2019-047.93
2019-037.97
2019-027.99
2019-017.96
2018-127.96
2018-117.93
2018-108.24
2018-098.27
2018-088.27
2018-078.29
2018-068.34
2018-058.38
2018-048.35
2018-038.36
2018-028.39
2018-018.38
2017-128.35
2017-118.35
2017-108.48
2017-098.48
2017-088.47
2017-078.46
2017-068.47
2017-058.5
2017-048.49
2017-038.61
2017-028.62
2017-018.54
2016-128.54
2016-118.51
2016-108.6
2016-098.66
2016-088.63
2016-078.62
2016-068.77
2016-058.75
2016-048.67
2016-038.8
2016-028.81
2016-018.78
2015-128.8
2015-118.82
2015-108.89
2015-099.01
2015-088.93
2015-078.92
2015-069.06
2015-059.03
2015-049.16
2015-039.25
2015-029.24
2015-019.23
2014-129.27
2014-119.22
2014-109.34
2014-099.51
2014-089.37
2014-079.42
2014-069.53
2014-059.4
2014-049.4
2014-039.51
2014-029.47
2014-019.5
2013-129.56
2013-119.46
2013-109.57
2013-099.68
2013-089.64
2013-079.64
2013-069.68
2013-059.75
2013-049.77
2013-039.75
2013-029.75
2013-019.74
2012-129.76
2012-119.71
2012-109.87
2012-0910.01
2012-0810
2012-0710.05
2012-0610.22
2012-0510.25
2012-0410.29
2012-0310.42
2012-0210.45
2012-0110.48
2011-1210.49
2011-1110.5
2011-1010.6
2011-0910.57
2011-0810.55
2011-0710.51
2011-0610.49
2011-0510.5
2011-0410.43
2011-0310.43
2011-0210.43
2011-0110.38
2010-1210.31
2010-1110.2
2010-1010.26
2010-0910.41
2010-0810.3
2010-0710.21
2010-0610.37

Germany compared with nearby places

Austria: 5.92 %Belgium: 4.84 %Bulgaria: 6.56 %Cyprus: 4.51 %Germany: 9.46 %Estonia: 12.36 %Spain: 5.58 %Finland: 7.18 %France: 9.31 %Greece: 8.25 %Croatia: 5.55 %Ireland: 7.53 %Italy: 4.59 %Lithuania: 6 %Luxembourg: 3.45 %Latvia: 9.81 %Malta: 5.18 %Netherlands: 5.48 %Portugal: 9.4 %Slovenia: 9.81 %Slovakia: 11.76 %
  • Under 5.2
  • 5.2 to 5.9
  • 5.9 to 7.5
  • 7.5 to 9.5
  • 9.5 and over
  • No data
Household revolving loan and overdraft 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 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

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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, Germany, 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, Germany, 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/germany. 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, Germany, 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/germany.

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, Germany, 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/germany (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, Germany, 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/germany. 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, Germany, 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/germany
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/household-revolving-loan-and-overdraft-rate/germany.
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 Germany?

Household revolving loan and overdraft rate in Germany was 9.46% in August 2026, according to the European Central Bank. That is up 0.11 pts from August 2025. That is the 5th highest of 21 EU countries in August 2026.

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 Germany?

11.23% in May 2024, the highest value since June 2010 in this series.

Household revolving loan and overdraft rate elsewhere in European Union (27)

Related statistics for Germany

All statistics for Germany | Germany in figures