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 December 2025, at €3 trillion. Latvia had the lowest, at €12.92 billion. The median was €119.32 billion. Source: the European Central Bank.

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Highest2,995,320Germany
Lowest12,920Latvia
Median119,32221 EU countries

Map of EU countries, December 2025

Austria: 338,420 EUR millionBelgium: 463,462 EUR millionBulgaria: 55,202.08 EUR millionCyprus: 31,395 EUR millionGermany: 2,995,320 EUR millionEstonia: 17,633 EUR millionSpain: 1,103,624 EUR millionFinland: 119,322 EUR millionFrance: 1,952,024 EUR millionGreece: 155,914 EUR millionCroatia: 42,952 EUR millionIreland: 173,041 EUR millionItaly: 1,306,759 EUR millionLithuania: 33,962 EUR millionLuxembourg: 80,551 EUR millionLatvia: 12,920 EUR millionMalta: 21,523.4 EUR millionNetherlands: 652,641 EUR millionPortugal: 205,780.12 EUR millionSlovenia: 29,949.61 EUR millionSlovakia: 53,040.15 EUR million
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EUR million, December 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, December 2025

Germany: 2,995,320 EUR millionGermany2,995,320France: 1,952,024 EUR millionFrance1,952,024Italy: 1,306,759 EUR millionItaly1,306,759Spain: 1,103,624 EUR millionSpain1,103,624Netherlands: 652,641 EUR millionNetherlands652,641Belgium: 463,462 EUR millionBelgium463,462Austria: 338,420 EUR millionAustria338,420Portugal: 205,780.12 EUR millionPortugal205,780.12Ireland: 173,041 EUR millionIreland173,041Greece: 155,914 EUR millionGreece155,914Finland: 119,322 EUR millionFinland119,322Luxembourg: 80,551 EUR millionLuxembourg80,551Bulgaria: 55,202.08 EUR millionBulgaria55,202.08Slovakia: 53,040.15 EUR millionSlovakia53,040.15Croatia: 42,952 EUR millionCroatia42,952Lithuania: 33,962 EUR millionLithuania33,962Cyprus: 31,395 EUR millionCyprus31,395Slovenia: 29,949.61 EUR millionSlovenia29,949.61Malta: 21,523.4 EUR millionMalta21,523.4Estonia: 17,633 EUR millionEstonia17,633Latvia: 12,920 EUR millionLatvia12,920Germany: 2,995,320 EUR millionGermany2,995,320France: 1,952,024 EUR millionFrance1,952,024Italy: 1,306,759 EUR millionItaly1,306,759Spain: 1,103,624 EUR millionSpain1,103,624Netherlands: 652,641 EUR millionNetherlands652,641Belgium: 463,462 EUR millionBelgium463,462Austria: 338,420 EUR millionAustria338,420Portugal: 205,780.12 EUR millionPortugal205,780.12Ireland: 173,041 EUR millionIreland173,041Greece: 155,914 EUR millionGreece155,914Finland: 119,322 EUR millionFinland119,322Luxembourg: 80,551 EUR millionLuxembourg80,551Bulgaria: 55,202.08 EUR millionBulgaria55,202.08Slovakia: 53,040.15 EUR millionSlovakia53,040.15Croatia: 42,952 EUR millionCroatia42,952Lithuania: 33,962 EUR millionLithuania33,962Cyprus: 31,395 EUR millionCyprus31,395Slovenia: 29,949.61 EUR millionSlovenia29,949.61Malta: 21,523.4 EUR millionMalta21,523.4Estonia: 17,633 EUR millionEstonia17,633Latvia: 12,920 EUR millionLatvia12,920
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 countriesDecember 2025
EUR million		Change on December 2024
1Germany2,995,320+3.1%
2France1,952,024+0.3%
3Italy1,306,759+2.4%
4Spain1,103,624+4.8%
5Netherlands652,641+6.1%
6Belgium463,462+3.1%
7Austria338,420+2.7%
8Portugal205,780.12+4.2%
9Ireland173,041+6.8%
10Greece155,914+2.9%
11Finland119,322+4.3%
12Luxembourg80,551+3%
13Bulgaria55,202.08+19.6%
14Slovakia53,040.15+6.2%
15Croatia42,952+6.9%
16Lithuania33,962+9.8%
17Cyprus31,395+4%
18Slovenia29,949.61+6.9%
19Malta21,523.4+8.3%
20Estonia17,633+6.8%
21Latvia12,920+8.3%

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, 2025-12) [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, 2025-12. 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=2025-12. 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, 2025-12. 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=2025-12.

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, 2025-12 [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=2025-12 (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, 2025-12}},
  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=2025-12. 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, 2025-12
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=2025-12
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-deposit-balances/eu-countries?period=2025-12.
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 €3 trillion in December 2025, according to the European Central Bank.

Which EU country has the lowest MFI household deposit balances?

Latvia, with €12.92 billion in December 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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