EU countries by household extended credit card rate

Bulgaria had the highest household extended credit card rate of 17 EU countries in February 2026, at 21.31%. France had the lowest, at 0%. The median was 16.09%. Source: the European Central Bank.

Highest21.31Bulgaria

Lowest0France

Median16.0917 EU countries

Map of EU countries, February 2026

Under 11
11 to 13
13 to 17
17 to 18
18 and over
No data

%, February 2026. Hatched areas have no value for this period. Source: ECB, ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N). Boundaries: Natural Earth (public domain).

All EU countries, February 2026

%. Source: ECB, ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	February 2026 (%)	Change on February 2025
1	Bulgaria	21.31	+2.98 pts
2	Estonia	19.13	-0.09 pts
3	Slovakia	18.94	-0.22 pts
4	Lithuania	18.37	+0.19 pts
5	Spain	18.24	-0.21 pts
6	Latvia	18.06	-0.45 pts
7	Germany	17.04	-0.71 pts
8	Greece	17.02	+0.37 pts
9	Portugal	16.09	-0.25 pts
10	Italy	14.71	+0.3 pts
11	Belgium	12.07	-1.06 pts
12	Finland	11.89	-0.72 pts
13	Cyprus	11.84	+0.04 pts
14	Slovenia	10.27	-0.76 pts
15	Malta	8.02	0 pts
16	Croatia	3.46	-0.43 pts
17	France	0	n/a

Other periods

About this ranking

Annualised interest rate reported monthly on euro extended credit card debt owed by households, where the card balance is carried beyond the interest-free period.

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. 3 EU countries with data in other periods have no value for February 2026 and are left out rather than filled from another source. Equal values share a rank.

How to cite

European Central Bank. ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.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.A2Z3.A.R.A.2250.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: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N) (EU countries by household extended credit card rate, 2026-02) [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.A2Z3.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N), EU countries by household extended credit card rate, 2026-02. 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.A2Z3.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/rankings/household-extended-credit-card-rate/eu-countries?period=2026-02. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N). EU countries by household extended credit card rate, 2026-02. 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.A2Z3.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/rankings/household-extended-credit-card-rate/eu-countries?period=2026-02.

Harvard

European Central Bank (no date) ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N), EU countries by household extended credit card rate, 2026-02 [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.A2Z3.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/rankings/household-extended-credit-card-rate/eu-countries?period=2026-02 (Accessed: 12 October 2026).

BibTeX

@misc{european_eu_countries_by_household_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N): EU countries by household extended credit card rate, 2026-02}},
  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.A2Z3.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/household-extended-credit-card-rate/eu-countries?period=2026-02. Publisher attribution: European Central Bank. ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.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.A2Z3.A.R.A.2250.EUR.N?format=csvdata\&startPeriod=2003-01. Retrieved 2026-10-12.},
}

RIS

TY  - DATA
AU  - European Central Bank
TI  - ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N): EU countries by household extended credit card rate, 2026-02
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.A2Z3.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/rankings/household-extended-credit-card-rate/eu-countries?period=2026-02
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-extended-credit-card-rate/eu-countries?period=2026-02.
N1  - Publisher attribution: European Central Bank. ECB MIR: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.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.A2Z3.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
ER  -

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Questions

Which EU country has the highest household extended credit card rate?

Bulgaria, with 21.31% in February 2026, according to the European Central Bank.

Which EU country has the lowest household extended credit card rate?

France, with 0% in February 2026.

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: Household extended credit card rate (M.<area>.B.A2Z3.A.R.A.2250.EUR.N). Retrieved 2026-10-12. 3 EU countries have no value for February 2026 and are not ranked.