EU countries by household revolving loan and overdraft rate, August 2026

Estonia had the highest household revolving loan and overdraft rate of 21 EU countries in August 2026, at 12.36%. Luxembourg had the lowest, at 3.45%. The median was 6.56%. Source: the European Central Bank.

Highest12.36Estonia

Lowest3.45Luxembourg

Median6.5621 EU countries

Map of EU countries, August 2026

Under 5.2
5.2 to 5.9
5.9 to 7.5
7.5 to 9.5
9.5 and over
No data

%, August 2026. Hatched areas have no value for this period. Source: ECB, ECB MIR: Household revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N). Boundaries: Natural Earth (public domain).

All EU countries, August 2026

%. Source: ECB, ECB MIR: Household revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	August 2026 (%)	Change on August 2025
1	Estonia	12.36	-1.92 pts
2	Slovakia	11.76	-0.33 pts
3	Latvia	9.81	-5.81 pts
3	Slovenia	9.81	+0.13 pts
5	Germany Provisional	9.46	+0.11 pts
6	Portugal	9.4	+0.35 pts
7	France Provisional	9.31	+0.05 pts
8	Greece	8.25	-0.2 pts
9	Ireland	7.53	+0.33 pts
10	Finland	7.18	-0.28 pts
11	Bulgaria	6.56	+2.49 pts
12	Lithuania Provisional	6	+0.61 pts
13	Austria	5.92	+0.29 pts
14	Spain Provisional	5.58	-0.04 pts
15	Croatia	5.55	+0.35 pts
16	Netherlands	5.48	+0.02 pts
17	Malta	5.18	-0.25 pts
18	Belgium	4.84	-0.19 pts
19	Italy Provisional	4.59	-0.02 pts
20	Cyprus	4.51	-0.41 pts
21	Luxembourg	3.45	+0.34 pts

Other periods

About this ranking

Annualised interest rate reported monthly on euro revolving loans and overdrafts to 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 revolving loan and overdraft rate (M.<area>.B.A2Z1.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.A2Z1.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 revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N) (EU countries by household revolving loan and overdraft 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.A2Z1.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Household revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N), EU countries by household revolving loan and overdraft 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.A2Z1.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/rankings/household-revolving-loan-and-overdraft-rate/eu-countries. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Household revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N). EU countries by household revolving loan and overdraft 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.A2Z1.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/rankings/household-revolving-loan-and-overdraft-rate/eu-countries.

Harvard

European Central Bank (no date) ECB MIR: Household revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N), EU countries by household revolving loan and overdraft 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.A2Z1.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/rankings/household-revolving-loan-and-overdraft-rate/eu-countries (Accessed: 12 October 2026).

BibTeX

@misc{european_eu_countries_by_household_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: Household revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N): EU countries by household revolving loan and overdraft 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.A2Z1.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/household-revolving-loan-and-overdraft-rate/eu-countries. Publisher attribution: European Central Bank. ECB MIR: Household revolving loan and overdraft rate (M.<area>.B.A2Z1.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.A2Z1.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 revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N): EU countries by household revolving loan and overdraft 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.A2Z1.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/rankings/household-revolving-loan-and-overdraft-rate/eu-countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-revolving-loan-and-overdraft-rate/eu-countries.
N1  - Publisher attribution: European Central Bank. ECB MIR: Household revolving loan and overdraft rate (M.<area>.B.A2Z1.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.A2Z1.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
ER  -

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Rank EU countries by household revolving loan and overdraft rate using official data, and cite the source.

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Questions

Which EU country has the highest household revolving loan and overdraft rate?

Estonia, with 12.36% in August 2026, according to the European Central Bank.

Which EU country has the lowest household revolving loan and overdraft rate?

Luxembourg, with 3.45% 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 revolving loan and overdraft rate (M.<area>.B.A2Z1.A.R.A.2250.EUR.N). Retrieved 2026-10-12.