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 February 2026, at €1.94 trillion. Estonia had the lowest, at €9.83 billion. The median was €74.28 billion. Source: the European Central Bank.

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Highest1,940,789Germany
Lowest9,825Estonia
Median74,27921 EU countries

Map of EU countries, February 2026

Austria: 214,808 EUR millionBelgium: 111,455 EUR millionBulgaria: 40,875.26 EUR millionCyprus: 18,863 EUR millionGermany: 1,940,789 EUR millionEstonia: 9,825 EUR millionSpain: 938,753 EUR millionFinland: 74,279 EUR millionFrance: 573,614 EUR millionGreece: 120,007 EUR millionCroatia: 32,329 EUR millionIreland: 148,848 EUR millionItaly: 905,333 EUR millionLithuania: 25,000 EUR millionLuxembourg: 54,671 EUR millionLatvia: 9,830 EUR millionMalta: 17,691.53 EUR millionNetherlands: 112,493 EUR millionPortugal: 88,491.55 EUR millionSlovenia: 26,133.29 EUR millionSlovakia: 39,809 EUR million
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EUR million, February 2026. 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, February 2026

Germany: 1,940,789 EUR millionGermany1,940,789Spain: 938,753 EUR millionSpain938,753Italy: 905,333 EUR millionItaly905,333France: 573,614 EUR millionFrance573,614Austria: 214,808 EUR millionAustria214,808Ireland: 148,848 EUR millionIreland148,848Greece: 120,007 EUR millionGreece120,007Netherlands: 112,493 EUR millionNetherlands112,493Belgium: 111,455 EUR millionBelgium111,455Portugal: 88,491.55 EUR millionPortugal88,491.55Finland: 74,279 EUR millionFinland74,279Luxembourg: 54,671 EUR millionLuxembourg54,671Bulgaria: 40,875.26 EUR millionBulgaria40,875.26Slovakia: 39,809 EUR millionSlovakia39,809Croatia: 32,329 EUR millionCroatia32,329Slovenia: 26,133.29 EUR millionSlovenia26,133.29Lithuania: 25,000 EUR millionLithuania25,000Cyprus: 18,863 EUR millionCyprus18,863Malta: 17,691.53 EUR millionMalta17,691.53Latvia: 9,830 EUR millionLatvia9,830Estonia: 9,825 EUR millionEstonia9,825Germany: 1,940,789 EUR millionGermany1,940,789Spain: 938,753 EUR millionSpain938,753Italy: 905,333 EUR millionItaly905,333France: 573,614 EUR millionFrance573,614Austria: 214,808 EUR millionAustria214,808Ireland: 148,848 EUR millionIreland148,848Greece: 120,007 EUR millionGreece120,007Netherlands: 112,493 EUR millionNetherlands112,493Belgium: 111,455 EUR millionBelgium111,455Portugal: 88,491.55 EUR millionPortugal88,491.55Finland: 74,279 EUR millionFinland74,279Luxembourg: 54,671 EUR millionLuxembourg54,671Bulgaria: 40,875.26 EUR millionBulgaria40,875.26Slovakia: 39,809 EUR millionSlovakia39,809Croatia: 32,329 EUR millionCroatia32,329Slovenia: 26,133.29 EUR millionSlovenia26,133.29Lithuania: 25,000 EUR millionLithuania25,000Cyprus: 18,863 EUR millionCyprus18,863Malta: 17,691.53 EUR millionMalta17,691.53Latvia: 9,830 EUR millionLatvia9,830Estonia: 9,825 EUR millionEstonia9,825
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 countriesFebruary 2026
EUR million		Change on February 2025
1Germany1,940,789+7.1%
2Spain938,753+6.7%
3Italy905,333+5.7%
4France573,614+1.3%
5Austria214,808+3.2%
6Ireland148,848+5.3%
7Greece120,007+7.3%
8Netherlands112,493-3.7%
9Belgium111,455+4.8%
10Portugal88,491.55+7%
11Finland74,279+3.9%
12Luxembourg54,671+6.9%
13Bulgaria40,875.26+25.1%
14Slovakia39,809+8%
15Croatia32,329+9.9%
16Slovenia26,133.29+9%
17Lithuania25,000+16.6%
18Cyprus18,863+7.9%
19Malta17,691.53+14.4%
20Latvia9,830+10.7%
21Estonia9,825+11.5%

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, 2026-02) [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, 2026-02. 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=2026-02. 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, 2026-02. 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=2026-02.

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, 2026-02 [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=2026-02 (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, 2026-02}},
  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=2026-02. 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, 2026-02
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=2026-02
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-overnight-deposit-balances/eu-countries?period=2026-02.
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 €1.94 trillion in February 2026, according to the European Central Bank.

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

Estonia, with €9.83 billion in February 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 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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