Data / Rankings / MFI household deposit balances / EU countries

EU countries by MFI household deposit balances

Germany had the highest MFI household deposit balances of 21 EU countries in November 2025, at €2.99 trillion. Latvia had the lowest, at €12.6 billion. The median was €119.91 billion. Source: the European Central Bank.

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Highest2,987,307Germany
Lowest12,599Latvia
Median119,91121 EU countries

Map of EU countries, November 2025

Austria: 332,827 EUR millionBelgium: 456,049 EUR millionBulgaria: 52,022.43 EUR millionCyprus: 30,823 EUR millionGermany: 2,987,307 EUR millionEstonia: 17,459 EUR millionSpain: 1,086,890 EUR millionFinland: 119,911 EUR millionFrance: 1,931,247 EUR millionGreece: 153,500 EUR millionCroatia: 42,361 EUR millionIreland: 172,524 EUR millionItaly: 1,289,448 EUR millionLithuania: 32,386 EUR millionLuxembourg: 79,633 EUR millionLatvia: 12,599 EUR millionMalta: 21,129.34 EUR millionNetherlands: 647,086 EUR millionPortugal: 204,902.72 EUR millionSlovenia: 29,305.11 EUR millionSlovakia: 51,826.83 EUR million
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EUR million, November 2025. Hatched areas have no value for this period. Source: ECB, ECB BSI: MFI household deposit balances, unadjusted end-period stock (M.<area>.N.A.L20.A.1.U2.2250.Z01.E). Boundaries: Natural Earth (public domain).

All EU countries, November 2025

Germany: 2,987,307 EUR millionGermany2,987,307France: 1,931,247 EUR millionFrance1,931,247Italy: 1,289,448 EUR millionItaly1,289,448Spain: 1,086,890 EUR millionSpain1,086,890Netherlands: 647,086 EUR millionNetherlands647,086Belgium: 456,049 EUR millionBelgium456,049Austria: 332,827 EUR millionAustria332,827Portugal: 204,902.72 EUR millionPortugal204,902.72Ireland: 172,524 EUR millionIreland172,524Greece: 153,500 EUR millionGreece153,500Finland: 119,911 EUR millionFinland119,911Luxembourg: 79,633 EUR millionLuxembourg79,633Bulgaria: 52,022.43 EUR millionBulgaria52,022.43Slovakia: 51,826.83 EUR millionSlovakia51,826.83Croatia: 42,361 EUR millionCroatia42,361Lithuania: 32,386 EUR millionLithuania32,386Cyprus: 30,823 EUR millionCyprus30,823Slovenia: 29,305.11 EUR millionSlovenia29,305.11Malta: 21,129.34 EUR millionMalta21,129.34Estonia: 17,459 EUR millionEstonia17,459Latvia: 12,599 EUR millionLatvia12,599Germany: 2,987,307 EUR millionGermany2,987,307France: 1,931,247 EUR millionFrance1,931,247Italy: 1,289,448 EUR millionItaly1,289,448Spain: 1,086,890 EUR millionSpain1,086,890Netherlands: 647,086 EUR millionNetherlands647,086Belgium: 456,049 EUR millionBelgium456,049Austria: 332,827 EUR millionAustria332,827Portugal: 204,902.72 EUR millionPortugal204,902.72Ireland: 172,524 EUR millionIreland172,524Greece: 153,500 EUR millionGreece153,500Finland: 119,911 EUR millionFinland119,911Luxembourg: 79,633 EUR millionLuxembourg79,633Bulgaria: 52,022.43 EUR millionBulgaria52,022.43Slovakia: 51,826.83 EUR millionSlovakia51,826.83Croatia: 42,361 EUR millionCroatia42,361Lithuania: 32,386 EUR millionLithuania32,386Cyprus: 30,823 EUR millionCyprus30,823Slovenia: 29,305.11 EUR millionSlovenia29,305.11Malta: 21,129.34 EUR millionMalta21,129.34Estonia: 17,459 EUR millionEstonia17,459Latvia: 12,599 EUR millionLatvia12,599
EUR million. Source: ECB, ECB BSI: MFI household deposit balances, unadjusted end-period stock (M.<area>.N.A.L20.A.1.U2.2250.Z01.E). Retrieved 2026-10-12.

Full ranking

RankEU countriesNovember 2025
EUR million		Change on November 2024
1Germany2,987,307+3.3%
2France1,931,247+0.7%
3Italy1,289,448+2.5%
4Spain1,086,890+4.6%
5Netherlands647,086+5.9%
6Belgium456,049+2.7%
7Austria332,827+1.9%
8Portugal204,902.72+4.2%
9Ireland172,524+6.3%
10Greece153,500+3%
11Finland119,911+4.1%
12Luxembourg79,633+3.1%
13Bulgaria52,022.43+15.7%
14Slovakia51,826.83+5.4%
15Croatia42,361+6.6%
16Lithuania32,386+10.6%
17Cyprus30,823+4.3%
18Slovenia29,305.11+5.9%
19Malta21,129.34+6.2%
20Estonia17,459+8.4%
21Latvia12,599+8.9%

Other periods

About this ranking

End-of-month stock of deposits placed by households resident in the euro area with resident MFIs excluding central banks, in EUR millions.

Deposit stocks measure balances held with reporting MFIs, rather than amounts of new deposit agreements. Non-financial corporations are companies in ESA 2010 sector S.11. End-of-month balances, neither seasonally nor working-day adjusted. The country identifies the reporting monetary financial institutions (MFIs), excluding central banks; borrowers or depositors reside anywhere in the euro area. These are not balances of domestic residents only. Households include non-profit institutions serving households. All currencies are combined and reported in EUR millions. The euro area has changing membership; 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 BSI: MFI household deposit balances, unadjusted end-period stock (M.<area>.N.A.L20.A.1.U2.2250.Z01.E). https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.L20.A.1.U2.2250.Z01.E?format=csvdata. 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 BSI: MFI household deposit balances, unadjusted end-period stock (M.<area>.N.A.L20.A.1.U2.2250.Z01.E) (EU countries by MFI household deposit balances, 2025-11) [Data set]. Retrieved October 12, 2026, from https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.L20.A.1.U2.2250.Z01.E?format=csvdata

MLA 9

ECB BSI: MFI household deposit balances, unadjusted end-period stock (M.<area>.N.A.L20.A.1.U2.2250.Z01.E), EU countries by MFI household deposit balances, 2025-11. European Central Bank, https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.L20.A.1.U2.2250.Z01.E?format=csvdata. Invokely, https://invokely.ai/rankings/mfi-household-deposit-balances/eu-countries?period=2025-11. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB BSI: MFI household deposit balances, unadjusted end-period stock (M.<area>.N.A.L20.A.1.U2.2250.Z01.E). EU countries by MFI household deposit balances, 2025-11. Dataset. Accessed October 12, 2026. https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.L20.A.1.U2.2250.Z01.E?format=csvdata. Also distributed by Invokely, https://invokely.ai/rankings/mfi-household-deposit-balances/eu-countries?period=2025-11.

Harvard

European Central Bank (no date) ECB BSI: MFI household deposit balances, unadjusted end-period stock (M.<area>.N.A.L20.A.1.U2.2250.Z01.E), EU countries by MFI household deposit balances, 2025-11 [Dataset]. Available at: https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.L20.A.1.U2.2250.Z01.E?format=csvdata, via Invokely: https://invokely.ai/rankings/mfi-household-deposit-balances/eu-countries?period=2025-11 (Accessed: 12 October 2026).

BibTeX
@misc{european_eu_countries_by_mfi_2026,
  author = {{European Central Bank}},
  title = {{ECB BSI: MFI household deposit balances, unadjusted end-period stock (M.<area>.N.A.L20.A.1.U2.2250.Z01.E): EU countries by MFI household deposit balances, 2025-11}},
  howpublished = {Data set},
  url = {https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.L20.A.1.U2.2250.Z01.E?format=csvdata},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/mfi-household-deposit-balances/eu-countries?period=2025-11. Publisher attribution: European Central Bank. ECB BSI: MFI household deposit balances, unadjusted end-period stock (M.<area>.N.A.L20.A.1.U2.2250.Z01.E). https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.L20.A.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB BSI: MFI household deposit balances, unadjusted end-period stock (M.<area>.N.A.L20.A.1.U2.2250.Z01.E): EU countries by MFI household deposit balances, 2025-11
PB  - European Central Bank
DB  - Invokely
UR  - https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.L20.A.1.U2.2250.Z01.E?format=csvdata
L2  - https://invokely.ai/rankings/mfi-household-deposit-balances/eu-countries?period=2025-11
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-deposit-balances/eu-countries?period=2025-11.
N1  - Publisher attribution: European Central Bank. ECB BSI: MFI household deposit balances, unadjusted end-period stock (M.<area>.N.A.L20.A.1.U2.2250.Z01.E). https://data-api.ecb.europa.eu/service/data/BSI/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.N.A.L20.A.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.
ER  -
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Questions

Which EU country has the highest MFI household deposit balances?

Germany, with €2.99 trillion in November 2025, according to the European Central Bank.

Which EU country has the lowest MFI household deposit balances?

Latvia, with €12.6 billion 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 BSI: MFI household deposit balances, unadjusted end-period stock (M.<area>.N.A.L20.A.1.U2.2250.Z01.E). Retrieved 2026-10-12.

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