EU countries by household overnight deposit rate

Luxembourg had the highest household overnight deposit rate of 21 EU countries in October 2025, at 0.52%. Cyprus had the lowest, at 0%. The median was 0.09%. Source: the European Central Bank.

Highest0.52Luxembourg

Lowest0Cyprus

Median0.0921 EU countries

Map of EU countries, October 2025

Under 0.03
0.03 to 0.07
0.07 to 0.14
0.14 to 0.32
0.32 and over
No data

%, October 2025. Hatched areas have no value for this period. Source: ECB, ECB MIR: Household overnight deposit rate (M.<area>.B.L21.A.R.A.2250.EUR.N). Boundaries: Natural Earth (public domain).

All EU countries, October 2025

%. 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	October 2025 (%)	Change on October 2024
1	Luxembourg	0.52	-0.86 pts
2	Austria	0.44	-0.49 pts
3	Germany	0.43	-0.14 pts
4	Finland	0.38	-0.15 pts
5	Latvia	0.32	-0.05 pts
6	Lithuania	0.29	-0.03 pts
7	Estonia	0.28	+0.04 pts
8	Italy	0.17	-0.15 pts
9	Spain	0.14	-0.05 pts
10	Ireland	0.13	-0.01 pts
11	Netherlands	0.09	-0.15 pts
12	Slovenia	0.08	-0.05 pts
13	Malta	0.07	-0.02 pts
14	Belgium	0.06	-0.04 pts
15	Slovakia	0.05	-0.03 pts
16	France	0.04	-0.02 pts
17	Greece	0.03	0 pts
18	Croatia	0.02	0 pts
19	Bulgaria	0.01	-0.01 pts
19	Portugal	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, 2025-10) [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, 2025-10. 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?period=2025-10. 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, 2025-10. 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?period=2025-10.

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, 2025-10 [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?period=2025-10 (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, 2025-10}},
  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?period=2025-10. 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, 2025-10
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?period=2025-10
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-overnight-deposit-rate/eu-countries?period=2025-10.
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  -

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Questions

Which EU country has the highest household overnight deposit rate?

Luxembourg, with 0.52% in October 2025, according to the European Central Bank.

Which EU country has the lowest household overnight deposit rate?

Cyprus, with 0% in October 2025.

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.