EU countries by MFI household notice deposit balances, notice over 3 months

Germany had the highest MFI household notice deposit balances, notice over 3 months of 21 EU countries in January 2026, at €60.34 billion. Spain had the lowest, at €0. The median was €5 million. Source: the European Central Bank.

Highest60,335Germany

Lowest0Spain

Median521 EU countries

Map of EU countries, January 2026

Under 300
300 and over
No data

EUR million, January 2026. Hatched areas have no value for this period. Source: ECB, ECB BSI: MFI household notice deposit balances, notice over 3 months, unadjusted end-period stock (M.<area>.N.A.L23.E.1.U2.2250.Z01.E). Boundaries: Natural Earth (public domain).

All EU countries, January 2026

EUR million. Source: ECB, ECB BSI: MFI household notice deposit balances, notice over 3 months, unadjusted end-period stock (M.<area>.N.A.L23.E.1.U2.2250.Z01.E). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	January 2026 EUR million	Change on January 2025
1	Germany	60,335	+2.5%
2	Finland	26,715	+4.2%
3	Netherlands	22,764	+38.6%
4	Cyprus	449	-2.2%
5	Luxembourg	274	+437.3%
6	Italy	205	+150%
7	Belgium	61	-39.6%
8	Austria	21	-19.2%
9	Slovakia	16.78	-17.5%
10	Malta	8.53	-22.3%
11	Greece	5	n/a
12	Latvia	1	0%
13	Bulgaria	0	-100%
13	Croatia	0	n/a
13	Estonia	0	n/a
13	France	0	n/a
13	Ireland	0	n/a
13	Lithuania	0	n/a
13	Portugal	0	n/a
13	Slovenia	0	n/a
13	Spain	0	n/a

Other periods

About this ranking

End-of-month stock of deposits redeemable at notice over 3 months placed by households resident in the euro area with resident MFIs excluding central banks, in EUR millions.

The band is the required notice period for withdrawal, rather than original maturity. Household and corporate depositors retain their separate BSI sectors. 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 notice deposit balances, notice over 3 months, unadjusted end-period stock (M.<area>.N.A.L23.E.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.L23.E.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 notice deposit balances, notice over 3 months, unadjusted end-period stock (M.<area>.N.A.L23.E.1.U2.2250.Z01.E) (EU countries by MFI household notice deposit balances, notice over 3 months, 2026-01) [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.L23.E.1.U2.2250.Z01.E?format=csvdata

MLA 9

ECB BSI: MFI household notice deposit balances, notice over 3 months, unadjusted end-period stock (M.<area>.N.A.L23.E.1.U2.2250.Z01.E), EU countries by MFI household notice deposit balances, notice over 3 months, 2026-01. 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.L23.E.1.U2.2250.Z01.E?format=csvdata. Invokely, https://invokely.ai/rankings/mfi-household-notice-deposit-balances-over-three-months/eu-countries?period=2026-01. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB BSI: MFI household notice deposit balances, notice over 3 months, unadjusted end-period stock (M.<area>.N.A.L23.E.1.U2.2250.Z01.E). EU countries by MFI household notice deposit balances, notice over 3 months, 2026-01. 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.L23.E.1.U2.2250.Z01.E?format=csvdata. Also distributed by Invokely, https://invokely.ai/rankings/mfi-household-notice-deposit-balances-over-three-months/eu-countries?period=2026-01.

Harvard

European Central Bank (no date) ECB BSI: MFI household notice deposit balances, notice over 3 months, unadjusted end-period stock (M.<area>.N.A.L23.E.1.U2.2250.Z01.E), EU countries by MFI household notice deposit balances, notice over 3 months, 2026-01 [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.L23.E.1.U2.2250.Z01.E?format=csvdata, via Invokely: https://invokely.ai/rankings/mfi-household-notice-deposit-balances-over-three-months/eu-countries?period=2026-01 (Accessed: 12 October 2026).

BibTeX

@misc{european_eu_countries_by_mfi_2026,
  author = {{European Central Bank}},
  title = {{ECB BSI: MFI household notice deposit balances, notice over 3 months, unadjusted end-period stock (M.<area>.N.A.L23.E.1.U2.2250.Z01.E): EU countries by MFI household notice deposit balances, notice over 3 months, 2026-01}},
  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.L23.E.1.U2.2250.Z01.E?format=csvdata},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/mfi-household-notice-deposit-balances-over-three-months/eu-countries?period=2026-01. Publisher attribution: European Central Bank. ECB BSI: MFI household notice deposit balances, notice over 3 months, unadjusted end-period stock (M.<area>.N.A.L23.E.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.L23.E.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.},
}

RIS

TY  - DATA
AU  - European Central Bank
TI  - ECB BSI: MFI household notice deposit balances, notice over 3 months, unadjusted end-period stock (M.<area>.N.A.L23.E.1.U2.2250.Z01.E): EU countries by MFI household notice deposit balances, notice over 3 months, 2026-01
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.L23.E.1.U2.2250.Z01.E?format=csvdata
L2  - https://invokely.ai/rankings/mfi-household-notice-deposit-balances-over-three-months/eu-countries?period=2026-01
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-notice-deposit-balances-over-three-months/eu-countries?period=2026-01.
N1  - Publisher attribution: European Central Bank. ECB BSI: MFI household notice deposit balances, notice over 3 months, unadjusted end-period stock (M.<area>.N.A.L23.E.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.L23.E.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.
ER  -

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Rank EU countries by MFI household notice deposit balances, notice over 3 months using official data, and cite the source.

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Questions

Which EU country has the highest MFI household notice deposit balances, notice over 3 months?

Germany, with €60.34 billion in January 2026, according to the European Central Bank.

Which EU country has the lowest MFI household notice deposit balances, notice over 3 months?

Spain, with €0 in January 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 BSI: MFI household notice deposit balances, notice over 3 months, unadjusted end-period stock (M.<area>.N.A.L23.E.1.U2.2250.Z01.E). Retrieved 2026-10-12.