EU countries by household overnight deposit rate, August 2026

Luxembourg had the highest household overnight deposit rate of 21 EU countries in August 2026, at 0.6%. Cyprus had the lowest, at 0%. The median was 0.14%. Source: the European Central Bank.

Highest0.6Luxembourg

Lowest0Cyprus

Median0.1421 EU countries

All EU countries, August 2026

%. Source: ECB, ECB MIR: Household overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	August 2026 (%)	Change on August 2025
1	Luxembourg	0.6	+0.07 pts
2	Germany Provisional	0.51	+0.08 pts
3	Austria	0.45	-0.03 pts
4	Latvia	0.42	+0.1 pts
5	Finland	0.38	+0.02 pts
6	Estonia	0.32	+0.07 pts
7	Lithuania Provisional	0.25	-0.03 pts
8	Ireland	0.22	+0.08 pts
9	Italy Provisional	0.2	+0.03 pts
10	Spain Provisional	0.16	+0.02 pts
11	Netherlands	0.14	+0.03 pts
12	Slovenia	0.1	+0.02 pts
13	Malta	0.07	0 pts
13	Slovakia	0.07	+0.02 pts
15	Belgium	0.06	0 pts
16	France Provisional	0.05	+0.01 pts
17	Portugal	0.04	+0.03 pts
18	Greece	0.03	0 pts
19	Croatia	0.02	0 pts
20	Bulgaria	0.01	0 pts
21	Cyprus	0	0 pts

Other periods

About this ranking

Annualised interest rate reported monthly on euro overnight deposits from households.

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. Equal values share a rank.

How to cite

European Central Bank. ECB MIR: Household overnight deposit rate (M.<area>.B.L21.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.L21.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 overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N) (EU countries by household overnight deposit rate, 2026-08) [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.L21.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Household overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N), EU countries by household overnight deposit rate, 2026-08. 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.L21.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/rankings/household-overnight-deposit-rate/eu-countries. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Household overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N). EU countries by household overnight deposit rate, 2026-08. 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.L21.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/rankings/household-overnight-deposit-rate/eu-countries.

Harvard

European Central Bank (no date) ECB MIR: Household overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N), EU countries by household overnight deposit rate, 2026-08 [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.L21.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/rankings/household-overnight-deposit-rate/eu-countries (Accessed: 12 October 2026).

BibTeX

@misc{european_eu_countries_by_household_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: Household overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N): EU countries by household overnight deposit rate, 2026-08}},
  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.L21.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/household-overnight-deposit-rate/eu-countries. Publisher attribution: European Central Bank. ECB MIR: Household overnight deposit rate (M.<area>.B.L21.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.L21.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 overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N): EU countries by household overnight deposit rate, 2026-08
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.L21.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/rankings/household-overnight-deposit-rate/eu-countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-overnight-deposit-rate/eu-countries.
N1  - Publisher attribution: European Central Bank. ECB MIR: Household overnight deposit rate (M.<area>.B.L21.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.L21.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
ER  -

Embed this chart

Paste this code into a web page or a blog post. The chart shows the latest figures as they are published, with the source and a link back to this page.

Embed code

<iframe src="https://invokely.ai/embed/rankings/household-overnight-deposit-rate/eu-countries" width="760" height="500" title="EU countries by household overnight deposit rate, August 2026, chart from Invokely" loading="lazy" style="border:0;width:100%;max-width:760px" referrerpolicy="strict-origin-when-cross-origin"></iframe>

Sites that read oEmbed links, such as WordPress, can show the chart when you paste the link to this page.

Use this data in your AI agent

Invokely serves this figure to AI assistants through MCP and to code through a REST API, with the source and citation attached. Ask your assistant:

Rank EU countries by household overnight deposit rate using official data, and cite the source.

rank_places {"indicator":"ecb_household_deposit_rate_overnight","level":"country","within":"European Union (27)","limit":10}
GET https://invokely.ai/api/v1/rank?indicator=ecb_household_deposit_rate_overnight&level=country&within=European%20Union%20(27)&limit=10

Connect Claude, ChatGPT or Cursor in one step. The trial answers 25 calls a day without an account.

Questions

Which EU country has the highest household overnight deposit rate?

Luxembourg, with 0.6% in August 2026, according to the European Central Bank.

Which EU country has the lowest household overnight deposit rate?

Cyprus, with 0% in August 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 overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N). Retrieved 2026-10-12.