EU countries by corporate revolving loan and overdraft rate

Germany had the highest corporate revolving loan and overdraft rate of 21 EU countries in September 2025, at 4.88%. The Netherlands had the lowest, at 2.41%. The median was 4.06%. Source: the European Central Bank.

Highest4.88Germany

Lowest2.41Netherlands

Median4.0621 EU countries

Map of EU countries, September 2025

Under 3.5
3.5 to 3.9
3.9 to 4.3
4.3 to 4.5
4.5 and over
No data

%, September 2025. Hatched areas have no value for this period. Source: ECB, ECB MIR: Corporate revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2240.EUR.N). Boundaries: Natural Earth (public domain).

All EU countries, September 2025

%. Source: ECB, ECB MIR: Corporate revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2240.EUR.N). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	September 2025 (%)	Change on September 2024
1	Germany	4.88	-1.42 pts
2	Ireland	4.84	-1.13 pts
3	Latvia	4.59	-1.77 pts
4	Greece	4.5	-1.79 pts
5	Estonia	4.48	-1.64 pts
6	Cyprus	4.43	-1.19 pts
7	Croatia	4.42	-0.79 pts
8	Lithuania	4.39	-1.71 pts
9	Portugal	4.35	-1.52 pts
10	Italy	4.13	-1.4 pts
11	Slovenia	4.06	-1.27 pts
12	Slovakia	4.03	-1.52 pts
13	Luxembourg	3.91	-1.75 pts
14	Malta	3.73	-0.74 pts
15	Belgium	3.65	-1.39 pts
15	Bulgaria	3.65	-1.47 pts
17	Finland	3.53	-1.17 pts
18	Spain	3.5	-1.1 pts
19	Austria	3.35	-1.53 pts
20	France	3.23	-1.48 pts
21	Netherlands	2.41	-1.46 pts

Other periods

About this ranking

Annualised interest rate reported monthly on euro revolving loans and overdrafts to non-financial corporations.

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.

Every value in the ranking comes from the same publisher and the same period, so the EU countries are compared on one definition. Equal values share a rank.

How to cite

European Central Bank. ECB MIR: Corporate revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2240.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.2240.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: Corporate revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2240.EUR.N) (EU countries by corporate revolving loan and overdraft rate, 2025-09) [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.2240.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Corporate revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2240.EUR.N), EU countries by corporate revolving loan and overdraft rate, 2025-09. 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.2240.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/rankings/corporate-revolving-loan-and-overdraft-rate/eu-countries?period=2025-09. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Corporate revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2240.EUR.N). EU countries by corporate revolving loan and overdraft rate, 2025-09. 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.2240.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/rankings/corporate-revolving-loan-and-overdraft-rate/eu-countries?period=2025-09.

Harvard

European Central Bank (no date) ECB MIR: Corporate revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2240.EUR.N), EU countries by corporate revolving loan and overdraft rate, 2025-09 [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.2240.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/rankings/corporate-revolving-loan-and-overdraft-rate/eu-countries?period=2025-09 (Accessed: 12 October 2026).

BibTeX

@misc{european_eu_countries_by_corporate_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: Corporate revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2240.EUR.N): EU countries by corporate revolving loan and overdraft rate, 2025-09}},
  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.2240.EUR.N?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/corporate-revolving-loan-and-overdraft-rate/eu-countries?period=2025-09. Publisher attribution: European Central Bank. ECB MIR: Corporate revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2240.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.2240.EUR.N?format=csvdata\&startPeriod=2003-01. Retrieved 2026-10-12.},
}

RIS

TY  - DATA
AU  - European Central Bank
TI  - ECB MIR: Corporate revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2240.EUR.N): EU countries by corporate revolving loan and overdraft rate, 2025-09
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.2240.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/rankings/corporate-revolving-loan-and-overdraft-rate/eu-countries?period=2025-09
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/corporate-revolving-loan-and-overdraft-rate/eu-countries?period=2025-09.
N1  - Publisher attribution: European Central Bank. ECB MIR: Corporate revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2240.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.2240.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
ER  -

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Rank EU countries by corporate revolving loan and overdraft rate using official data, and cite the source.

rank_places {"indicator":"ecb_business_revolving_loan_rate","level":"country","within":"European Union (27)","limit":10}
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Questions

Which EU country has the highest corporate revolving loan and overdraft rate?

Germany, with 4.88% in September 2025, according to the European Central Bank.

Which EU country has the lowest corporate revolving loan and overdraft rate?

The Netherlands, with 2.41% in September 2025.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: European Central Bank, ECB MIR: Corporate revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2240.EUR.N). Retrieved 2026-10-12.