EU countries by household notice deposit rate, over 3 months, January 2026

Italy had the highest household notice deposit rate, over 3 months of 10 EU countries in January 2026, at 2.42%. Slovakia had the lowest, at 0.01%. The median was 1.49%. Source: the European Central Bank.

Highest2.42Italy

Lowest0.01Slovakia

Median1.4910 EU countries

Map of EU countries, January 2026

Under 0.54
0.54 to 1.1
1.1 to 1.7
1.7 to 2
2 and over
No data

%, January 2026. Hatched areas have no value for this period. Source: ECB, ECB MIR: Household notice deposit rate, over 3 months (M.<area>.B.L23.E.R.A.2250.EUR.N). Boundaries: Natural Earth (public domain).

All EU countries, January 2026

%. Source: ECB, ECB MIR: Household notice deposit rate, over 3 months (M.<area>.B.L23.E.R.A.2250.EUR.N). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	January 2026 (%)	Change on January 2025
1	Italy	2.42	-0.06 pts
2	Bulgaria	2.25	-0.31 pts
3	Austria	1.97	-0.78 pts
4	Germany	1.74	-0.49 pts
5	Netherlands	1.71	-0.69 pts
6	Finland	1.27	-0.76 pts
7	Slovenia	0.97	-0.38 pts
8	Belgium	0.66	-1.44 pts
9	Cyprus	0.07	0 pts
10	Slovakia	0.01	0 pts

Other periods

About this ranking

Annualised interest rate reported monthly on euro deposits redeemable at notice of over 3 months.

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. For deposits redeemable at notice, deposits from corporations are also allocated to the household sector in the ECB reporting categories. 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 January 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 notice deposit rate, over 3 months (M.<area>.B.L23.E.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.L23.E.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 notice deposit rate, over 3 months (M.<area>.B.L23.E.R.A.2250.EUR.N) (EU countries by household notice deposit rate, over 3 months, 2026-01) [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.L23.E.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Household notice deposit rate, over 3 months (M.<area>.B.L23.E.R.A.2250.EUR.N), EU countries by household notice deposit rate, over 3 months, 2026-01. 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.L23.E.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/rankings/household-notice-deposit-rate-over-three-months/eu-countries. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Household notice deposit rate, over 3 months (M.<area>.B.L23.E.R.A.2250.EUR.N). EU countries by household notice deposit rate, over 3 months, 2026-01. 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.L23.E.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/rankings/household-notice-deposit-rate-over-three-months/eu-countries.

Harvard

European Central Bank (no date) ECB MIR: Household notice deposit rate, over 3 months (M.<area>.B.L23.E.R.A.2250.EUR.N), EU countries by household notice deposit rate, over 3 months, 2026-01 [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.L23.E.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/rankings/household-notice-deposit-rate-over-three-months/eu-countries (Accessed: 12 October 2026).

BibTeX

@misc{european_eu_countries_by_household_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: Household notice deposit rate, over 3 months (M.<area>.B.L23.E.R.A.2250.EUR.N): EU countries by household notice deposit rate, over 3 months, 2026-01}},
  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.L23.E.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/household-notice-deposit-rate-over-three-months/eu-countries. Publisher attribution: European Central Bank. ECB MIR: Household notice deposit rate, over 3 months (M.<area>.B.L23.E.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.L23.E.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 notice deposit rate, over 3 months (M.<area>.B.L23.E.R.A.2250.EUR.N): EU countries by household notice deposit rate, over 3 months, 2026-01
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.L23.E.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/rankings/household-notice-deposit-rate-over-three-months/eu-countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-notice-deposit-rate-over-three-months/eu-countries.
N1  - Publisher attribution: European Central Bank. ECB MIR: Household notice deposit rate, over 3 months (M.<area>.B.L23.E.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.L23.E.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 notice deposit rate, over 3 months?

Italy, with 2.42% in January 2026, according to the European Central Bank.

Which EU country has the lowest household notice deposit rate, over 3 months?

Slovakia, with 0.01% in January 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 notice deposit rate, over 3 months (M.<area>.B.L23.E.R.A.2250.EUR.N). Retrieved 2026-10-12. 3 EU countries have no value for January 2026 and are not ranked.