EU countries by household term deposit rate, over 2 years

Bulgaria had the highest household term deposit rate, over 2 years of 18 EU countries in November 2025, at 3.03%. Spain had the lowest, at 0.72%. The median was 2.22%. Source: the European Central Bank.

Highest3.03Bulgaria

Lowest0.72Spain

Median2.2218 EU countries

Map of EU countries, November 2025

Under 1.6
1.6 to 2.1
2.1 to 2.3
2.3 to 2.5
2.5 and over
No data

%, November 2025. Hatched areas have no value for this period. Source: ECB, ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N). Boundaries: Natural Earth (public domain).

All EU countries, November 2025

%. Source: ECB, ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	November 2025 (%)	Change on November 2024
1	Bulgaria	3.03	-0.17 pts
2	Lithuania	2.71	-0.38 pts
3	Estonia	2.7	-0.64 pts
3	Netherlands	2.7	-0.07 pts
5	Slovakia	2.31	+0.38 pts
6	France	2.3	-0.33 pts
7	Italy	2.28	-0.94 pts
8	Finland	2.26	-0.18 pts
9	Germany	2.24	+0.03 pts
10	Belgium	2.19	-0.25 pts
11	Latvia	2.08	+0.72 pts
12	Ireland Series break	2.05	-0.07 pts
13	Austria	1.79	-0.9 pts
14	Malta	1.68	-0.8 pts
15	Slovenia	1.58	-1.04 pts
16	Croatia	1.42	+0.8 pts
17	Portugal	0.85	-0.69 pts
18	Spain	0.72	-0.22 pts

Other periods

About this ranking

Monthly average annual interest rate on new euro household deposits with agreed maturity over 2 years.

New agreements include renegotiations. Rates are weighted by the amounts agreed during the month and are distinct from the ECB composite rates that use moving-average weights. 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. 2 EU countries with data in other periods have no value for November 2025 and are left out rather than filled from another source. Equal values share a rank.

How to cite

European Central Bank. ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.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.L22.H.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 term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N) (EU countries by household term deposit rate, over 2 years, 2025-11) [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.L22.H.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N), EU countries by household term deposit rate, over 2 years, 2025-11. 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.L22.H.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/rankings/household-term-deposit-rate-over-two-years/eu-countries?period=2025-11. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N). EU countries by household term deposit rate, over 2 years, 2025-11. 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.L22.H.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/rankings/household-term-deposit-rate-over-two-years/eu-countries?period=2025-11.

Harvard

European Central Bank (no date) ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N), EU countries by household term deposit rate, over 2 years, 2025-11 [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.L22.H.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/rankings/household-term-deposit-rate-over-two-years/eu-countries?period=2025-11 (Accessed: 12 October 2026).

BibTeX

@misc{european_eu_countries_by_household_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N): EU countries by household term deposit rate, over 2 years, 2025-11}},
  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.L22.H.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/household-term-deposit-rate-over-two-years/eu-countries?period=2025-11. Publisher attribution: European Central Bank. ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.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.L22.H.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 term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N): EU countries by household term deposit rate, over 2 years, 2025-11
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.L22.H.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/rankings/household-term-deposit-rate-over-two-years/eu-countries?period=2025-11
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-term-deposit-rate-over-two-years/eu-countries?period=2025-11.
N1  - Publisher attribution: European Central Bank. ECB MIR: Household term deposit rate, over 2 years (M.<area>.B.L22.H.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.L22.H.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
ER  -

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Rank EU countries by household term deposit rate, over 2 years using official data, and cite the source.

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Questions

Which EU country has the highest household term deposit rate, over 2 years?

Bulgaria, with 3.03% in November 2025, according to the European Central Bank.

Which EU country has the lowest household term deposit rate, over 2 years?

Spain, with 0.72% in November 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 term deposit rate, over 2 years (M.<area>.B.L22.H.R.A.2250.EUR.N). Retrieved 2026-10-12. 2 EU countries have no value for November 2025 and are not ranked.