Data / Rankings / Household spending on insurance and financial services (EUR million) / EU countries

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 2022, at €104.13 billion. Malta had the lowest, at €325.3 million. The median was €4.73 billion and the figure for the European Union (27) was €441.13 billion. Source: Eurostat, European Commission.

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Highest104,132Germany
Lowest325.3Malta
Median4,730.327 EU countries
European Union (27)441,132.2History

Map of EU countries, 2022

Austria: 8,730.5 EUR millionBelgium: 24,258.6 EUR millionBulgaria: 1,097.5 EUR millionCyprus: 895.2 EUR millionCzechia: 4,081.1 EUR millionGermany: 104,132 EUR millionDenmark: 11,108.2 EUR millionEstonia: 549.5 EUR millionSpain: 41,396 EUR millionFinland: 6,936 EUR millionFrance: 85,174.9 EUR millionGreece: 5,152.4 EUR millionCroatia: 1,199.2 EUR millionHungary: 4,730.3 EUR millionIreland: 4,168.2 EUR millionItaly: 51,707.1 EUR millionLithuania: 1,249.5 EUR millionLuxembourg: 1,107.6 EUR millionLatvia: 677.6 EUR millionMalta: 325.3 EUR millionNetherlands: 33,645 EUR millionPoland: 23,404.5 EUR millionPortugal: 7,019.6 EUR millionRomania: 1,547.8 EUR millionSweden: 11,877.3 EUR millionSlovenia: 1,618.6 EUR millionSlovakia: 2,456.8 EUR million
  • Under 1,000
  • 1,000 to 3,000
  • 3,000 to 7,000
  • 7,000 to 24K
  • 24K and over
EUR million, 2022. Source: Eurostat, Household final consumption expenditure, CP12, CP_MEUR (nama_10_cp18). Boundaries: Natural Earth (public domain).

All EU countries, 2022

Germany: 104,132 EUR millionGermany104,132France: 85,174.9 EUR millionFrance85,174.9Italy: 51,707.1 EUR millionItaly51,707.1Spain: 41,396 EUR millionSpain41,396Netherlands: 33,645 EUR millionNetherlands33,645Belgium: 24,258.6 EUR millionBelgium24,258.6Poland: 23,404.5 EUR millionPoland23,404.5Sweden: 11,877.3 EUR millionSweden11,877.3Denmark: 11,108.2 EUR millionDenmark11,108.2Austria: 8,730.5 EUR millionAustria8,730.5Portugal: 7,019.6 EUR millionPortugal7,019.6Finland: 6,936 EUR millionFinland6,936Greece: 5,152.4 EUR millionGreece5,152.4Hungary: 4,730.3 EUR millionHungary4,730.3Ireland: 4,168.2 EUR millionIreland4,168.2Czechia: 4,081.1 EUR millionCzechia4,081.1Slovakia: 2,456.8 EUR millionSlovakia2,456.8Slovenia: 1,618.6 EUR millionSlovenia1,618.6Romania: 1,547.8 EUR millionRomania1,547.8Lithuania: 1,249.5 EUR millionLithuania1,249.5Croatia: 1,199.2 EUR millionCroatia1,199.2Luxembourg: 1,107.6 EUR millionLuxembourg1,107.6Bulgaria: 1,097.5 EUR millionBulgaria1,097.5Cyprus: 895.2 EUR millionCyprus895.2Latvia: 677.6 EUR millionLatvia677.6Estonia: 549.5 EUR millionEstonia549.5Malta: 325.3 EUR millionMalta325.3Germany: 104,132 EUR millionGermany104,132France: 85,174.9 EUR millionFrance85,174.9Italy: 51,707.1 EUR millionItaly51,707.1Spain: 41,396 EUR millionSpain41,396Netherlands: 33,645 EUR millionNetherlands33,645Belgium: 24,258.6 EUR millionBelgium24,258.6Poland: 23,404.5 EUR millionPoland23,404.5Sweden: 11,877.3 EUR millionSweden11,877.3Denmark: 11,108.2 EUR millionDenmark11,108.2Austria: 8,730.5 EUR millionAustria8,730.5Portugal: 7,019.6 EUR millionPortugal7,019.6Finland: 6,936 EUR millionFinland6,936Greece: 5,152.4 EUR millionGreece5,152.4Hungary: 4,730.3 EUR millionHungary4,730.3Ireland: 4,168.2 EUR millionIreland4,168.2Czechia: 4,081.1 EUR millionCzechia4,081.1Slovakia: 2,456.8 EUR millionSlovakia2,456.8Slovenia: 1,618.6 EUR millionSlovenia1,618.6Romania: 1,547.8 EUR millionRomania1,547.8Lithuania: 1,249.5 EUR millionLithuania1,249.5Croatia: 1,199.2 EUR millionCroatia1,199.2Luxembourg: 1,107.6 EUR millionLuxembourg1,107.6Bulgaria: 1,097.5 EUR millionBulgaria1,097.5Cyprus: 895.2 EUR millionCyprus895.2Latvia: 677.6 EUR millionLatvia677.6Estonia: 549.5 EUR millionEstonia549.5Malta: 325.3 EUR millionMalta325.3
EUR million. Source: Eurostat, Household final consumption expenditure, CP12, CP_MEUR (nama_10_cp18). Retrieved 2026-10-12.

Full ranking

RankEU countries2022
EUR million		Change on 2021
1Germany Provisional104,132+3.4%
2France85,174.9+9.4%
3Italy51,707.1+22%
4Spain41,396+19.8%
5Netherlands33,645+8.3%
6Belgium24,258.6+33.8%
7Poland23,404.5+46.7%
8Sweden11,877.3+3.4%
9Denmark11,108.2+6.4%
10Austria8,730.5+4.4%
11Portugal7,019.6+14.5%
12Finland6,936+10.9%
13Greece5,152.4+10.2%
14Hungary4,730.3+22.4%
15Ireland4,168.2-13.6%
16Czechia4,081.1-5.2%
17Slovakia2,456.8+24.5%
18Slovenia1,618.6+13.3%
19Romania1,547.8+64.4%
20Lithuania1,249.5+32.5%
21Croatia1,199.2+3.3%
22Luxembourg1,107.6-9.2%
23Bulgaria1,097.5+18.8%
24Cyprus895.2+22.3%
25Latvia677.6+22.8%
26Estonia549.5+0.5%
27Malta325.3-9.4%

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), 2022) [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), 2022. 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=2022. 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), 2022. 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=2022.

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), 2022 [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=2022 (Accessed: 12 October 2026).

BibTeX
@misc{eurostat_eu_countries_by_household_2022,
  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), 2022}},
  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=2022. 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), 2022
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=2022
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-consumption-eur-million-insurance-financial/eu-countries?period=2022.
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 €104.13 billion in 2022, according to Eurostat, European Commission.

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

Malta, with €325.3 million in 2022.

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.

EU countries: more rankings