EU countries by household spending on insurance and financial services (EUR million)

Germany had the highest household spending on insurance and financial services (EUR million) of 27 EU countries in 2021, at €100.75 billion. Malta had the lowest, at €358.9 million. The median was €4.67 billion and the figure for the European Union (27) was €392.47 billion. Source: Eurostat, European Commission.

Highest100,749Germany

Lowest358.9Malta

Median4,674.627 EU countries

European Union (27)392,467.4History

Map of EU countries, 2021

Under 1,000
1,000 to 3,000
3,000 to 6,000
6,000 to 18K
18K and over

EUR million, 2021. Source: Eurostat, Household final consumption expenditure, CP12, CP_MEUR (nama_10_cp18). Boundaries: Natural Earth (public domain).

All EU countries, 2021

EUR million. Source: Eurostat, Household final consumption expenditure, CP12, CP_MEUR (nama_10_cp18). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	2021 EUR million	Change on 2020
1	Germany Provisional	100,749	+7.4%
2	France	77,880.4	+1.6%
3	Italy	42,376.5	-3.1%
4	Spain	34,558	-3.4%
5	Netherlands	31,077	+22.1%
6	Belgium	18,131.2	+10.5%
7	Poland	15,951.4	+3.2%
8	Sweden	11,488	+11.5%
9	Denmark	10,438.8	+10.9%
10	Austria	8,363.3	+4.5%
11	Finland	6,256	+15.9%
12	Portugal	6,132	+2.2%
13	Ireland	4,823.7	+17.9%
14	Greece	4,674.6	+6.9%
15	Czechia	4,302.8	+15.4%
16	Hungary	3,863.6	+12.5%
17	Slovakia	1,973.4	-4.1%
18	Slovenia	1,428	+6.5%
19	Luxembourg	1,219.2	+17.9%
20	Croatia	1,160.8	+9.2%
21	Lithuania	942.8	+27.4%
22	Romania	941.4	+6.3%
23	Bulgaria	924.1	+10.4%
24	Cyprus	731.8	-1.7%
25	Latvia	551.6	+13.9%
26	Estonia	546.7	-3.3%
27	Malta	358.9	+12.5%

Other periods

About this ranking

Annual household final consumption expenditure on insurance and financial services, including indirectly measured financial intermediation services (FISIM), COICOP 2018 division 12. Measures service consumption, not gross insurance premiums, investment flows or loan principal. Published in millions of euros at current prices.

Eurostat national accounts, domestic concept: includes non-residents spending in the territory and excludes residents spending abroad. Includes non-cash items such as imputed rent. Current prices in euros, including for non-euro countries: changes reflect prices and may reflect exchange rates. Not inflation-adjusted or purchasing-power-adjusted.

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

Eurostat. Household final consumption expenditure, CP12, CP_MEUR (nama_10_cp18). https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table. 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

Eurostat, European Commission. (2026). Household final consumption expenditure, CP12, CP_MEUR (nama_10_cp18) (EU countries by household spending on insurance and financial services (EUR million), 2021) [Data set]. Retrieved October 12, 2026, from https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table

MLA 9

Household final consumption expenditure, CP12, CP_MEUR (nama_10_cp18), EU countries by household spending on insurance and financial services (EUR million), 2021. Eurostat, European Commission, 9 Oct. 2026, https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table. Invokely, https://invokely.ai/rankings/household-consumption-eur-million-insurance-financial/eu-countries?period=2021. Accessed 12 Oct. 2026.

Chicago (author-date)

Eurostat, European Commission. 2026. Household final consumption expenditure, CP12, CP_MEUR (nama_10_cp18). EU countries by household spending on insurance and financial services (EUR million), 2021. Dataset. Accessed October 12, 2026. https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table. Also distributed by Invokely, https://invokely.ai/rankings/household-consumption-eur-million-insurance-financial/eu-countries?period=2021.

Harvard

Eurostat, European Commission (2026) Household final consumption expenditure, CP12, CP_MEUR (nama_10_cp18), EU countries by household spending on insurance and financial services (EUR million), 2021 [Dataset]. Available at: https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table, via Invokely: https://invokely.ai/rankings/household-consumption-eur-million-insurance-financial/eu-countries?period=2021 (Accessed: 12 October 2026).

BibTeX

@misc{eurostat_eu_countries_by_household_2021,
  author = {{Eurostat, European Commission}},
  title = {{Household final consumption expenditure, CP12, CP\_MEUR (nama\_10\_cp18): EU countries by household spending on insurance and financial services (EUR million), 2021}},
  year = {2026},
  howpublished = {Data set},
  url = {https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/household-consumption-eur-million-insurance-financial/eu-countries?period=2021. Publisher attribution: Eurostat. Household final consumption expenditure, CP12, CP\_MEUR (nama\_10\_cp18). https://ec.europa.eu/eurostat/databrowser/view/nama\_10\_cp18/default/table. Retrieved 2026-10-12.},
}

RIS

TY  - DATA
AU  - Eurostat, European Commission
TI  - Household final consumption expenditure, CP12, CP_MEUR (nama_10_cp18): EU countries by household spending on insurance and financial services (EUR million), 2021
PY  - 2026
DA  - 2026/10/09
PB  - Eurostat, European Commission
DB  - Invokely
UR  - https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table
L2  - https://invokely.ai/rankings/household-consumption-eur-million-insurance-financial/eu-countries?period=2021
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-consumption-eur-million-insurance-financial/eu-countries?period=2021.
N1  - Publisher attribution: Eurostat. Household final consumption expenditure, CP12, CP_MEUR (nama_10_cp18). https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table. Retrieved 2026-10-12.
ER  -

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Questions

Which EU country has the highest household spending on insurance and financial services (EUR million)?

Germany, with €100.75 billion in 2021, according to Eurostat, European Commission.

Which EU country has the lowest household spending on insurance and financial services (EUR million)?

Malta, with €358.9 million in 2021.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: Eurostat, European Commission, Household final consumption expenditure, CP12, CP_MEUR (nama_10_cp18). Retrieved 2026-10-12.