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 2023, at €2,480. Romania had the lowest, at €100. The median was €1,030 and the figure for the European Union (27) was €1,210. Source: Eurostat, European Commission.

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Highest2,480Belgium
Lowest100Romania
Median1,03027 EU countries
European Union (27)1,210History

Map of EU countries, 2023

Austria: 1,270 EURBelgium: 2,480 EURBulgaria: 180 EURCyprus: 1,390 EURCzechia: 520 EURGermany: 1,370 EURDenmark: 2,330 EUREstonia: 420 EURSpain: 1,220 EURFinland: 1,490 EURFrance: 1,730 EURGreece: 710 EURCroatia: 410 EURHungary: 610 EURIreland: 1,220 EURItaly: 990 EURLithuania: 660 EURLuxembourg: 2,130 EURLatvia: 490 EURMalta: 1,470 EURNetherlands: 2,160 EURPoland: 710 EURPortugal: 720 EURRomania: 100 EURSweden: 1,200 EURSlovenia: 1,030 EURSlovakia: 400 EUR
  • Under 500
  • 500 to 710
  • 710 to 1,200
  • 1,200 to 1,500
  • 1,500 and over
EUR, 2023. Source: Eurostat, Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18). Boundaries: Natural Earth (public domain).

All EU countries, 2023

Belgium: 2,480 EURBelgium2,480Denmark: 2,330 EURDenmark2,330Netherlands: 2,160 EURNetherlands2,160Luxembourg: 2,130 EURLuxembourg2,130France: 1,730 EURFrance1,730Finland: 1,490 EURFinland1,490Malta: 1,470 EURMalta1,470Cyprus: 1,390 EURCyprus1,390Germany: 1,370 EURGermany1,370Austria: 1,270 EURAustria1,270Ireland: 1,220 EURIreland1,220Spain: 1,220 EURSpain1,220Sweden: 1,200 EURSweden1,200Slovenia: 1,030 EURSlovenia1,030Italy: 990 EURItaly990Portugal: 720 EURPortugal720Greece: 710 EURGreece710Poland: 710 EURPoland710Lithuania: 660 EURLithuania660Hungary: 610 EURHungary610Czechia: 520 EURCzechia520Latvia: 490 EURLatvia490Estonia: 420 EUREstonia420Croatia: 410 EURCroatia410Slovakia: 400 EURSlovakia400Bulgaria: 180 EURBulgaria180Romania: 100 EURRomania100Belgium: 2,480 EURBelgium2,480Denmark: 2,330 EURDenmark2,330Netherlands: 2,160 EURNetherlands2,160Luxembourg: 2,130 EURLuxembourg2,130France: 1,730 EURFrance1,730Finland: 1,490 EURFinland1,490Malta: 1,470 EURMalta1,470Cyprus: 1,390 EURCyprus1,390Germany: 1,370 EURGermany1,370Austria: 1,270 EURAustria1,270Ireland: 1,220 EURIreland1,220Spain: 1,220 EURSpain1,220Sweden: 1,200 EURSweden1,200Slovenia: 1,030 EURSlovenia1,030Italy: 990 EURItaly990Portugal: 720 EURPortugal720Greece: 710 EURGreece710Poland: 710 EURPoland710Lithuania: 660 EURLithuania660Hungary: 610 EURHungary610Czechia: 520 EURCzechia520Latvia: 490 EURLatvia490Estonia: 420 EUREstonia420Croatia: 410 EURCroatia410Slovakia: 400 EURSlovakia400Bulgaria: 180 EURBulgaria180Romania: 100 EURRomania100
EUR. Source: Eurostat, Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18). Retrieved 2026-10-15.

Full ranking

RankEU countries2023
EUR		Change on 2022
1Belgium2,480+19.2%
2Denmark2,330+23.9%
3Netherlands2,160+13.7%
4Luxembourg2,130+26%
5France1,730+38.4%
6Finland1,490+19.2%
7Malta1,470+141%
8Cyprus1,390+46.3%
9Germany Provisional1,370+8.7%
10Austria1,270+32.3%
11Ireland1,220+52.5%
11Spain1,220+40.2%
13Sweden1,200+6.2%
14Slovenia1,030+33.8%
15Italy990+12.5%
16Portugal720+7.5%
17Greece Provisional710+44.9%
17Poland710+14.5%
19Lithuania660+50%
20Hungary610+24.5%
21Czechia520+36.8%
22Latvia490+36.1%
23Estonia420+2.4%
24Croatia410+32.3%
25Slovakia400-11.1%
26Bulgaria180+5.9%
27Romania100+25%

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 2026-10-15.

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), 2023) [Data set]. Retrieved October 15, 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), 2023. Eurostat, European Commission, 15 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=2023. Accessed 15 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), 2023. Dataset. Accessed October 15, 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=2023.

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), 2023 [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=2023 (Accessed: 15 October 2026).

BibTeX
@misc{eurostat_eu_countries_by_household_2023,
  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), 2023}},
  year = {2026},
  howpublished = {Data set},
  url = {https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table},
  urldate = {2026-10-15},
  note = {Accessed via Invokely, https://invokely.ai/rankings/household-consumption-per-capita-eur-insurance-financial/eu-countries?period=2023. 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 2026-10-15.},
}
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), 2023
PY  - 2026
DA  - 2026/10/15
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=2023
Y2  - 2026/10/15
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-consumption-per-capita-eur-insurance-financial/eu-countries?period=2023.
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 2026-10-15.
ER  -
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Questions

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

Belgium, with €2,480 in 2023, according to Eurostat, European Commission.

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

Romania, with €100 in 2023.

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 2026-10-15.

EU countries: more rankings