Data / Household revolving loan and overdraft rate / Ireland

Household revolving loan and overdraft rate in Ireland

Household revolving loan and overdraft rate in Ireland was 7.53% in August 2026, according to the European Central Bank. That is up 0.33 pts from August 2025. That is the 9th highest of 21 EU countries in August 2026.

August 20267.53%
Change on August 2025+0.33 pts
Rank9th of 21EU countries ranked
Series high11.32October 2018
Series low3.95October 2014
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Household revolving loan and overdraft rate in Ireland, June 2010 to August 2026

246810122010-062012-102015-022017-062019-102022-022024-062026-082010-06: 5.34 %2010-07: 5.19 %2010-08: 5.26 %2010-09: 5.23 %2010-10: 5.32 %2010-11: 5.46 %2010-12: 5.37 %2011-01: 5.21 %2011-02: 5.47 %2011-03: 5.58 %2011-04: 5.59 %2011-05: 5.65 %2011-06: 5.66 %2011-07: 5.65 %2011-08: 5.84 %2011-09: 5.73 %2011-10: 5.3 %2011-11: 5.21 %2011-12: 11.2 %2012-01: 5.21 %2012-02: 5.22 %2012-03: 4.99 %2012-04: 5.06 %2012-05: 5.07 %2012-06: 5.1 %2012-07: 5.16 %2012-08: 5.05 %2012-09: 4.85 %2012-10: 4.92 %2012-11: 4.8 %2012-12: 4.94 %2013-01: 4.9 %2013-02: 4.89 %2013-03: 4.88 %2013-04: 4.21 %2013-05: 4.16 %2013-06: 4.18 %2013-07: 4.21 %2013-08: 4.14 %2013-09: 4.2 %2013-10: 4.16 %2013-11: 4.18 %2013-12: 4.26 %2014-01: 4.19 %2014-02: 4.21 %2014-03: 4.29 %2014-04: 4.25 %2014-05: 4.18 %2014-06: 4.2 %2014-07: 4.23 %2014-08: 4.15 %2014-09: 4.2 %2014-10: 3.95 %2014-11: 4.19 %2014-12: 4.4 %2015-01: 4.29 %2015-02: 4.72 %2015-03: 4.88 %2015-04: 4.73 %2015-05: 4.8 %2015-06: 5.01 %2015-07: 5.22 %2015-08: 5.56 %2015-09: 6.14 %2015-10: 5.67 %2015-11: 5.75 %2015-12: 6.77 %2016-01: 6.92 %2016-02: 7.37 %2016-03: 7.82 %2016-04: 8.82 %2016-05: 8.19 %2016-06: 8.12 %2016-07: 8.15 %2016-08: 8.43 %2016-09: 8.38 %2016-10: 8.22 %2016-11: 8.35 %2016-12: 10.14 %2017-01: 10.43 %2017-02: 10.48 %2017-03: 10.48 %2017-04: 10.47 %2017-05: 10.7 %2017-06: 10.44 %2017-07: 10.53 %2017-08: 10.58 %2017-09: 10.54 %2017-10: 10.67 %2017-11: 10.6 %2017-12: 10.92 %2018-01: 10.99 %2018-02: 11.08 %2018-03: 11.09 %2018-04: 11.14 %2018-05: 11.2 %2018-06: 11.09 %2018-07: 11.26 %2018-08: 11.22 %2018-09: 10.97 %2018-10: 11.32 %2018-11: 11.02 %2018-12: 11.13 %2019-01: 10.81 %2019-02: 10.87 %2019-03: 10.95 %2019-04: 11.11 %2019-05: 10.94 %2019-06: 10.82 %2019-07: 11.04 %2019-08: 10.85 %2019-09: 11.01 %2019-10: 11.03 %2019-11: 10.91 %2019-12: 10.93 %2020-01: 10.94 %2020-02: 10.8 %2020-03: 10.63 %2020-04: 10.17 %2020-05: 10.14 %2020-06: 10.76 %2020-07: 10.33 %2020-08: 10.44 %2020-09: 10.49 %2020-10: 10.74 %2020-11: 10.78 %2020-12: 8.69 %2021-01: 7.28 %2021-02: 6.88 %2021-03: 7.58 %2021-04: 7.21 %2021-05: 7.57 %2021-06: 7.55 %2021-07: 7.57 %2021-08: 7.4 %2021-09: 7.56 %2021-10: 7.33 %2021-11: 7.68 %2021-12: 7.38 %2022-01: 8.82 %2022-02: 8.28 %2022-03: 8.28 %2022-04: 8.3 %2022-05: 8.44 %2022-06: 8.24 %2022-07: 8.24 %2022-08: 8.46 %2022-09: 8.28 %2022-10: 8.15 %2022-11: 7.9 %2022-12: 8.43 %2023-01: 8.28 %2023-02: 8.23 %2023-03: 8.58 %2023-04: 8.63 %2023-05: 8.58 %2023-06: 8 %2023-07: 8.54 %2023-08: 8.37 %2023-09: 8.4 %2023-10: 8.64 %2023-11: 8.23 %2023-12: 8.44 %2024-01: 8.51 %2024-02: 8.12 %2024-03: 8.11 %2024-04: 8.36 %2024-05: 7.95 %2024-06: 7.8 %2024-07: 8.18 %2024-08: 7.8 %2024-09: 8.1 %2024-10: 7.8 %2024-11: 7.68 %2024-12: 7.9 %2025-01: 7.68 %2025-02: 7.52 %2025-03: 7.53 %2025-04: 7.36 %2025-05: 7.31 %2025-06: 7.37 %2025-07: 7.27 %2025-08: 7.2 %2025-09: 7.36 %2025-10: 7.27 %2025-11: 7.36 %2025-12: 7.04 %2026-01: 6.97 %2026-02: 6.92 %2026-03: 7.25 %2026-04: 7.13 %2026-05: 7.08 %2026-06: 7.4 %2026-07: 7.25 %2026-08: 7.53 %
%. 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%
2026-087.53
2026-077.25
2026-067.4
2026-057.08
2026-047.13
2026-037.25
2026-026.92
2026-016.97
2025-127.04
2025-117.36 Series break
2025-107.27
2025-097.36
2025-087.2
2025-077.27
2025-067.37
2025-057.31
2025-047.36
2025-037.53
2025-027.52
2025-017.68
2024-127.9
2024-117.68
2024-107.8
2024-098.1
2024-087.8
2024-078.18
2024-067.8
2024-057.95
2024-048.36
2024-038.11
2024-028.12
2024-018.51
2023-128.44
2023-118.23
2023-108.64
2023-098.4
2023-088.37
2023-078.54
2023-068
2023-058.58
2023-048.63
2023-038.58
2023-028.23
2023-018.28
2022-128.43
2022-117.9
2022-108.15
2022-098.28
2022-088.46
2022-078.24
2022-068.24
2022-058.44
2022-048.3
2022-038.28
2022-028.28
2022-018.82
2021-127.38
2021-117.68
2021-107.33
2021-097.56
2021-087.4
2021-077.57
2021-067.55
2021-057.57
2021-047.21
2021-037.58
2021-026.88
2021-017.28
2020-128.69
2020-1110.78
2020-1010.74
2020-0910.49
2020-0810.44
2020-0710.33
2020-0610.76
2020-0510.14
2020-0410.17
2020-0310.63
2020-0210.8
2020-0110.94
2019-1210.93
2019-1110.91
2019-1011.03
2019-0911.01
2019-0810.85
2019-0711.04
2019-0610.82
2019-0510.94
2019-0411.11
2019-0310.95
2019-0210.87
2019-0110.81
2018-1211.13
2018-1111.02
2018-1011.32
2018-0910.97
2018-0811.22
2018-0711.26
2018-0611.09
2018-0511.2
2018-0411.14
2018-0311.09
2018-0211.08
2018-0110.99
2017-1210.92
2017-1110.6
2017-1010.67
2017-0910.54
2017-0810.58
2017-0710.53
2017-0610.44
2017-0510.7
2017-0410.47
2017-0310.48
2017-0210.48
2017-0110.43
2016-1210.14
2016-118.35
2016-108.22
2016-098.38
2016-088.43
2016-078.15
2016-068.12
2016-058.19
2016-048.82
2016-037.82
2016-027.37
2016-016.92
2015-126.77
2015-115.75
2015-105.67
2015-096.14
2015-085.56
2015-075.22
2015-065.01
2015-054.8
2015-044.73
2015-034.88
2015-024.72
2015-014.29
2014-124.4
2014-114.19
2014-103.95
2014-094.2
2014-084.15
2014-074.23
2014-064.2
2014-054.18
2014-044.25
2014-034.29
2014-024.21
2014-014.19
2013-124.26
2013-114.18
2013-104.16
2013-094.2
2013-084.14
2013-074.21
2013-064.18
2013-054.16
2013-044.21
2013-034.88
2013-024.89
2013-014.9
2012-124.94
2012-114.8
2012-104.92
2012-094.85
2012-085.05
2012-075.16
2012-065.1
2012-055.07
2012-045.06
2012-034.99
2012-025.22
2012-015.21
2011-1211.2
2011-115.21
2011-105.3
2011-095.73
2011-085.84
2011-075.65
2011-065.66
2011-055.65
2011-045.59
2011-035.58
2011-025.47
2011-015.21
2010-125.37
2010-115.46
2010-105.32
2010-095.23
2010-085.26
2010-075.19
2010-065.34

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.

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, Ireland, 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, Ireland, 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/ireland. 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, Ireland, 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/ireland.

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

Household revolving loan and overdraft rate in Ireland was 7.53% in August 2026, according to the European Central Bank. That is up 0.33 pts from August 2025. That is the 9th 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 Ireland?

11.32% in October 2018, the highest value since June 2010 in this series.

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

Related statistics for Ireland

All statistics for Ireland | Ireland in figures