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

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

Belgium had the highest household spending on insurance and financial services per inhabitant (EUR) of 27 EU countries in 2022, at €2,080. Romania had the lowest, at €80. The median was €770 and the figure for the European Union (27) was €990. Source: Eurostat, European Commission.

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Highest2,080Belgium
Lowest80Romania
Median77027 EU countries
European Union (27)990History

Map of EU countries, 2022

Austria: 960 EURBelgium: 2,080 EURBulgaria: 170 EURCyprus: 950 EURCzechia: 380 EURGermany: 1,260 EURDenmark: 1,880 EUREstonia: 410 EURSpain: 870 EURFinland: 1,250 EURFrance: 1,250 EURGreece: 490 EURCroatia: 310 EURHungary: 490 EURIreland: 800 EURItaly: 880 EURLithuania: 440 EURLuxembourg: 1,690 EURLatvia: 360 EURMalta: 610 EURNetherlands: 1,900 EURPoland: 620 EURPortugal: 670 EURRomania: 80 EURSweden: 1,130 EURSlovenia: 770 EURSlovakia: 450 EUR
  • Under 420
  • 420 to 610
  • 610 to 880
  • 880 to 1,300
  • 1,300 and over
EUR, 2022. Source: Eurostat, Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18). Boundaries: Natural Earth (public domain).

All EU countries, 2022

Belgium: 2,080 EURBelgium2,080Netherlands: 1,900 EURNetherlands1,900Denmark: 1,880 EURDenmark1,880Luxembourg: 1,690 EURLuxembourg1,690Germany: 1,260 EURGermany1,260Finland: 1,250 EURFinland1,250France: 1,250 EURFrance1,250Sweden: 1,130 EURSweden1,130Austria: 960 EURAustria960Cyprus: 950 EURCyprus950Italy: 880 EURItaly880Spain: 870 EURSpain870Ireland: 800 EURIreland800Slovenia: 770 EURSlovenia770Portugal: 670 EURPortugal670Poland: 620 EURPoland620Malta: 610 EURMalta610Greece: 490 EURGreece490Hungary: 490 EURHungary490Slovakia: 450 EURSlovakia450Lithuania: 440 EURLithuania440Estonia: 410 EUREstonia410Czechia: 380 EURCzechia380Latvia: 360 EURLatvia360Croatia: 310 EURCroatia310Bulgaria: 170 EURBulgaria170Romania: 80 EURRomania80Belgium: 2,080 EURBelgium2,080Netherlands: 1,900 EURNetherlands1,900Denmark: 1,880 EURDenmark1,880Luxembourg: 1,690 EURLuxembourg1,690Germany: 1,260 EURGermany1,260Finland: 1,250 EURFinland1,250France: 1,250 EURFrance1,250Sweden: 1,130 EURSweden1,130Austria: 960 EURAustria960Cyprus: 950 EURCyprus950Italy: 880 EURItaly880Spain: 870 EURSpain870Ireland: 800 EURIreland800Slovenia: 770 EURSlovenia770Portugal: 670 EURPortugal670Poland: 620 EURPoland620Malta: 610 EURMalta610Greece: 490 EURGreece490Hungary: 490 EURHungary490Slovakia: 450 EURSlovakia450Lithuania: 440 EURLithuania440Estonia: 410 EUREstonia410Czechia: 380 EURCzechia380Latvia: 360 EURLatvia360Croatia: 310 EURCroatia310Bulgaria: 170 EURBulgaria170Romania: 80 EURRomania80
EUR. Source: Eurostat, Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18). Retrieved 2026-10-12.

Full ranking

RankEU countries2022
EUR		Change on 2021
1Belgium2,080+33.3%
2Netherlands1,900+7.3%
3Denmark1,880+5.6%
4Luxembourg1,690-11.1%
5Germany Provisional1,260+2.4%
6Finland1,250+10.6%
6France1,250+8.7%
8Sweden1,130+2.7%
9Austria960+3.2%
10Cyprus950+20.3%
11Italy880+22.2%
12Spain870+19.2%
13Ireland800-15.8%
14Slovenia770+13.2%
15Portugal670+13.6%
16Poland Series break620+44.2%
17Malta610-11.6%
18Greece Provisional490+11.4%
18Hungary490+22.5%
20Slovakia450+25%
21Lithuania440+29.4%
22Estonia4100%
23Czechia380-7.3%
24Latvia360+24.1%
25Croatia310+3.3%
26Bulgaria170+21.4%
27Romania80+60%

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.

More on how it is measured
  • Measures service consumption, not gross insurance premiums, investment flows or loan principal.
  • Published in euros at current prices per inhabitant; domestic consumption divided by population, not a measure of residents spending alone.

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_EUR_HAB (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_EUR_HAB (nama_10_cp18) (EU countries by household spending on insurance and financial services per inhabitant (EUR), 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_EUR_HAB (nama_10_cp18), EU countries by household spending on insurance and financial services per inhabitant (EUR), 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-per-capita-eur-insurance-financial/eu-countries?period=2022. Accessed 12 Oct. 2026.

Chicago (author-date)

Eurostat, European Commission. 2026. Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18). EU countries by household spending on insurance and financial services per inhabitant (EUR), 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-per-capita-eur-insurance-financial/eu-countries?period=2022.

Harvard

Eurostat, European Commission (2026) Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18), EU countries by household spending on insurance and financial services per inhabitant (EUR), 2022 [Dataset]. Available at: https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table, via Invokely: https://invokely.ai/rankings/household-consumption-per-capita-eur-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\_EUR\_HAB (nama\_10\_cp18): EU countries by household spending on insurance and financial services per inhabitant (EUR), 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-per-capita-eur-insurance-financial/eu-countries?period=2022. Publisher attribution: Eurostat. Household final consumption expenditure, CP12, CP\_EUR\_HAB (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_EUR_HAB (nama_10_cp18): EU countries by household spending on insurance and financial services per inhabitant (EUR), 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-per-capita-eur-insurance-financial/eu-countries?period=2022
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-consumption-per-capita-eur-insurance-financial/eu-countries?period=2022.
N1  - Publisher attribution: Eurostat. Household final consumption expenditure, CP12, CP_EUR_HAB (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 per inhabitant (EUR)?

Belgium, with €2,080 in 2022, according to Eurostat, European Commission.

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

Romania, with €80 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_EUR_HAB (nama_10_cp18). Retrieved 2026-10-12.

EU countries: more rankings