Data / Rankings / MFI household overnight deposit balances / EU countries

EU countries by MFI household overnight deposit balances

Germany had the highest MFI household overnight deposit balances of 21 EU countries in September 2025, at €1.88 trillion. Latvia had the lowest, at €9.48 billion. The median was €73.91 billion. Source: the European Central Bank.

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Highest1,877,039Germany
Lowest9,479Latvia
Median73,90521 EU countries

Map of EU countries, September 2025

Austria: 210,815 EUR millionBelgium: 112,913 EUR millionBulgaria: 35,083.69 EUR millionCyprus: 17,983 EUR millionGermany: 1,877,039 EUR millionEstonia: 9,508 EUR millionSpain: 919,369 EUR millionFinland: 73,905 EUR millionFrance: 582,814 EUR millionGreece: 116,230 EUR millionCroatia: 31,870 EUR millionIreland: 145,173 EUR millionItaly: 883,829 EUR millionLithuania: 22,961 EUR millionLuxembourg: 52,709 EUR millionLatvia: 9,479 EUR millionMalta: 16,534.23 EUR millionNetherlands: 110,530 EUR millionPortugal: 86,918.71 EUR millionSlovenia: 25,056.33 EUR millionSlovakia: 38,004.59 EUR million
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EUR million, September 2025. Hatched areas have no value for this period. Source: ECB, ECB BSI: MFI household overnight deposit balances, unadjusted end-period stock (M.<area>.N.A.L21.A.1.U2.2250.Z01.E). Boundaries: Natural Earth (public domain).

All EU countries, September 2025

Germany: 1,877,039 EUR millionGermany1,877,039Spain: 919,369 EUR millionSpain919,369Italy: 883,829 EUR millionItaly883,829France: 582,814 EUR millionFrance582,814Austria: 210,815 EUR millionAustria210,815Ireland: 145,173 EUR millionIreland145,173Greece: 116,230 EUR millionGreece116,230Belgium: 112,913 EUR millionBelgium112,913Netherlands: 110,530 EUR millionNetherlands110,530Portugal: 86,918.71 EUR millionPortugal86,918.71Finland: 73,905 EUR millionFinland73,905Luxembourg: 52,709 EUR millionLuxembourg52,709Slovakia: 38,004.59 EUR millionSlovakia38,004.59Bulgaria: 35,083.69 EUR millionBulgaria35,083.69Croatia: 31,870 EUR millionCroatia31,870Slovenia: 25,056.33 EUR millionSlovenia25,056.33Lithuania: 22,961 EUR millionLithuania22,961Cyprus: 17,983 EUR millionCyprus17,983Malta: 16,534.23 EUR millionMalta16,534.23Estonia: 9,508 EUR millionEstonia9,508Latvia: 9,479 EUR millionLatvia9,479Germany: 1,877,039 EUR millionGermany1,877,039Spain: 919,369 EUR millionSpain919,369Italy: 883,829 EUR millionItaly883,829France: 582,814 EUR millionFrance582,814Austria: 210,815 EUR millionAustria210,815Ireland: 145,173 EUR millionIreland145,173Greece: 116,230 EUR millionGreece116,230Belgium: 112,913 EUR millionBelgium112,913Netherlands: 110,530 EUR millionNetherlands110,530Portugal: 86,918.71 EUR millionPortugal86,918.71Finland: 73,905 EUR millionFinland73,905Luxembourg: 52,709 EUR millionLuxembourg52,709Slovakia: 38,004.59 EUR millionSlovakia38,004.59Bulgaria: 35,083.69 EUR millionBulgaria35,083.69Croatia: 31,870 EUR millionCroatia31,870Slovenia: 25,056.33 EUR millionSlovenia25,056.33Lithuania: 22,961 EUR millionLithuania22,961Cyprus: 17,983 EUR millionCyprus17,983Malta: 16,534.23 EUR millionMalta16,534.23Estonia: 9,508 EUR millionEstonia9,508Latvia: 9,479 EUR millionLatvia9,479
EUR million. Source: ECB, ECB BSI: MFI household overnight deposit balances, unadjusted end-period stock (M.<area>.N.A.L21.A.1.U2.2250.Z01.E). Retrieved 2026-10-12.

Full ranking

RankEU countriesSeptember 2025
EUR million		Change on September 2024
1Germany1,877,039+7.9%
2Spain919,369+6.9%
3Italy883,829+4.4%
4France582,814+0.5%
5Austria210,815+6.9%
6Ireland145,173+5.3%
7Greece116,230+6.4%
8Belgium112,913+8.3%
9Netherlands110,530-5.2%
10Portugal86,918.71+8.1%
11Finland73,905+5.2%
12Luxembourg52,709+9.3%
13Slovakia38,004.59+8%
14Bulgaria35,083.69+15.5%
15Croatia31,870+13.1%
16Slovenia25,056.33+6.5%
17Lithuania22,961+16.1%
18Cyprus17,983+8.5%
19Malta16,534.23+11.8%
20Estonia9,508+14.4%
21Latvia9,479+13.6%

Other periods

About this ranking

End-of-month stock of overnight 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 overnight deposit balances, unadjusted end-period stock (M.<area>.N.A.L21.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.L21.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 overnight deposit balances, unadjusted end-period stock (M.<area>.N.A.L21.A.1.U2.2250.Z01.E) (EU countries by MFI household overnight deposit balances, 2025-09) [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.L21.A.1.U2.2250.Z01.E?format=csvdata

MLA 9

ECB BSI: MFI household overnight deposit balances, unadjusted end-period stock (M.<area>.N.A.L21.A.1.U2.2250.Z01.E), EU countries by MFI household overnight deposit balances, 2025-09. 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.L21.A.1.U2.2250.Z01.E?format=csvdata. Invokely, https://invokely.ai/rankings/mfi-household-overnight-deposit-balances/eu-countries?period=2025-09. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB BSI: MFI household overnight deposit balances, unadjusted end-period stock (M.<area>.N.A.L21.A.1.U2.2250.Z01.E). EU countries by MFI household overnight deposit balances, 2025-09. 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.L21.A.1.U2.2250.Z01.E?format=csvdata. Also distributed by Invokely, https://invokely.ai/rankings/mfi-household-overnight-deposit-balances/eu-countries?period=2025-09.

Harvard

European Central Bank (no date) ECB BSI: MFI household overnight deposit balances, unadjusted end-period stock (M.<area>.N.A.L21.A.1.U2.2250.Z01.E), EU countries by MFI household overnight deposit balances, 2025-09 [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.L21.A.1.U2.2250.Z01.E?format=csvdata, via Invokely: https://invokely.ai/rankings/mfi-household-overnight-deposit-balances/eu-countries?period=2025-09 (Accessed: 12 October 2026).

BibTeX
@misc{european_eu_countries_by_mfi_2026,
  author = {{European Central Bank}},
  title = {{ECB BSI: MFI household overnight deposit balances, unadjusted end-period stock (M.<area>.N.A.L21.A.1.U2.2250.Z01.E): EU countries by MFI household overnight deposit balances, 2025-09}},
  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.L21.A.1.U2.2250.Z01.E?format=csvdata},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/mfi-household-overnight-deposit-balances/eu-countries?period=2025-09. Publisher attribution: European Central Bank. ECB BSI: MFI household overnight deposit balances, unadjusted end-period stock (M.<area>.N.A.L21.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.L21.A.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB BSI: MFI household overnight deposit balances, unadjusted end-period stock (M.<area>.N.A.L21.A.1.U2.2250.Z01.E): EU countries by MFI household overnight deposit balances, 2025-09
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.L21.A.1.U2.2250.Z01.E?format=csvdata
L2  - https://invokely.ai/rankings/mfi-household-overnight-deposit-balances/eu-countries?period=2025-09
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-overnight-deposit-balances/eu-countries?period=2025-09.
N1  - Publisher attribution: European Central Bank. ECB BSI: MFI household overnight deposit balances, unadjusted end-period stock (M.<area>.N.A.L21.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.L21.A.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.
ER  -
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Rank EU countries by MFI household overnight deposit balances using official data, and cite the source.
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Questions

Which EU country has the highest MFI household overnight deposit balances?

Germany, with €1.88 trillion in September 2025, according to the European Central Bank.

Which EU country has the lowest MFI household overnight deposit balances?

Latvia, with €9.48 billion in September 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 overnight deposit balances, unadjusted end-period stock (M.<area>.N.A.L21.A.1.U2.2250.Z01.E). Retrieved 2026-10-12.

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