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 December 2025, at €1.93 trillion. Estonia had the lowest, at €9.65 billion. The median was €73.26 billion. Source: the European Central Bank.

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Highest1,926,246Germany
Lowest9,651Estonia
Median73,25621 EU countries

Map of EU countries, December 2025

Austria: 217,397 EUR millionBelgium: 112,788 EUR millionBulgaria: 39,996.86 EUR millionCyprus: 18,765 EUR millionGermany: 1,926,246 EUR millionEstonia: 9,651 EUR millionSpain: 940,207 EUR millionFinland: 73,256 EUR millionFrance: 573,299 EUR millionGreece: 120,000 EUR millionCroatia: 32,546 EUR millionIreland: 146,962 EUR millionItaly: 899,945 EUR millionLithuania: 24,953 EUR millionLuxembourg: 53,922 EUR millionLatvia: 9,818 EUR millionMalta: 17,184.48 EUR millionNetherlands: 111,359 EUR millionPortugal: 88,631.4 EUR millionSlovenia: 25,838.64 EUR millionSlovakia: 39,133.28 EUR million
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EUR million, December 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, December 2025

Germany: 1,926,246 EUR millionGermany1,926,246Spain: 940,207 EUR millionSpain940,207Italy: 899,945 EUR millionItaly899,945France: 573,299 EUR millionFrance573,299Austria: 217,397 EUR millionAustria217,397Ireland: 146,962 EUR millionIreland146,962Greece: 120,000 EUR millionGreece120,000Belgium: 112,788 EUR millionBelgium112,788Netherlands: 111,359 EUR millionNetherlands111,359Portugal: 88,631.4 EUR millionPortugal88,631.4Finland: 73,256 EUR millionFinland73,256Luxembourg: 53,922 EUR millionLuxembourg53,922Bulgaria: 39,996.86 EUR millionBulgaria39,996.86Slovakia: 39,133.28 EUR millionSlovakia39,133.28Croatia: 32,546 EUR millionCroatia32,546Slovenia: 25,838.64 EUR millionSlovenia25,838.64Lithuania: 24,953 EUR millionLithuania24,953Cyprus: 18,765 EUR millionCyprus18,765Malta: 17,184.48 EUR millionMalta17,184.48Latvia: 9,818 EUR millionLatvia9,818Estonia: 9,651 EUR millionEstonia9,651Germany: 1,926,246 EUR millionGermany1,926,246Spain: 940,207 EUR millionSpain940,207Italy: 899,945 EUR millionItaly899,945France: 573,299 EUR millionFrance573,299Austria: 217,397 EUR millionAustria217,397Ireland: 146,962 EUR millionIreland146,962Greece: 120,000 EUR millionGreece120,000Belgium: 112,788 EUR millionBelgium112,788Netherlands: 111,359 EUR millionNetherlands111,359Portugal: 88,631.4 EUR millionPortugal88,631.4Finland: 73,256 EUR millionFinland73,256Luxembourg: 53,922 EUR millionLuxembourg53,922Bulgaria: 39,996.86 EUR millionBulgaria39,996.86Slovakia: 39,133.28 EUR millionSlovakia39,133.28Croatia: 32,546 EUR millionCroatia32,546Slovenia: 25,838.64 EUR millionSlovenia25,838.64Lithuania: 24,953 EUR millionLithuania24,953Cyprus: 18,765 EUR millionCyprus18,765Malta: 17,184.48 EUR millionMalta17,184.48Latvia: 9,818 EUR millionLatvia9,818Estonia: 9,651 EUR millionEstonia9,651
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 countriesDecember 2025
EUR million		Change on December 2024
1Germany1,926,246+7.3%
2Spain940,207+6.9%
3Italy899,945+3.8%
4France573,299+1.2%
5Austria217,397+4.6%
6Ireland146,962+4.9%
7Greece120,000+6.6%
8Belgium112,788+7.1%
9Netherlands111,359-4.9%
10Portugal88,631.4+7.4%
11Finland73,256+3.8%
12Luxembourg53,922+7%
13Bulgaria39,996.86+23.9%
14Slovakia39,133.28+8.4%
15Croatia32,546+11.6%
16Slovenia25,838.64+8.6%
17Lithuania24,953+13.8%
18Cyprus18,765+9.2%
19Malta17,184.48+13.3%
20Latvia9,818+10.8%
21Estonia9,651+10.3%

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, 2025-12) [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.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, 2025-12. 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.L21.A.1.U2.2250.Z01.E?format=csvdata. Invokely, https://invokely.ai/rankings/mfi-household-overnight-deposit-balances/eu-countries?period=2025-12. 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, 2025-12. 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.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=2025-12.

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, 2025-12 [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.L21.A.1.U2.2250.Z01.E?format=csvdata, via Invokely: https://invokely.ai/rankings/mfi-household-overnight-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 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, 2025-12}},
  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.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=2025-12. 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, 2025-12
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.L21.A.1.U2.2250.Z01.E?format=csvdata
L2  - https://invokely.ai/rankings/mfi-household-overnight-deposit-balances/eu-countries?period=2025-12
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-overnight-deposit-balances/eu-countries?period=2025-12.
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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Questions

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

Germany, with €1.93 trillion in December 2025, according to the European Central Bank.

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

Estonia, with €9.65 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 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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