EU countries by MFI household overnight deposit balances

Germany had the highest MFI household overnight deposit balances of 21 EU countries in March 2026, at €1.93 trillion. Estonia had the lowest, at €9.88 billion. The median was €73.83 billion. Source: the European Central Bank.

Highest1,928,356Germany

Lowest9,880Estonia

Median73,83221 EU countries

Map of EU countries, March 2026

Under 30K
30K to 40K
40K to 110K
110K to 210K
210K and over
No data

EUR million, March 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, March 2026

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

Rank	EU countries	March 2026 EUR million	Change on March 2025
1	Germany	1,928,356	+6.4%
2	Spain	943,040	+6.6%
3	Italy	898,436	+4.3%
4	France	576,216	+0.9%
5	Austria	209,862	+2.6%
6	Ireland	148,383	+5%
7	Greece	119,869	+7.2%
8	Belgium	110,290	+3.4%
9	Netherlands	109,534	+1.2%
10	Portugal	88,716.19	+6.8%
11	Finland	73,832	+2.4%
12	Luxembourg	55,391	+7.5%
13	Bulgaria	40,770.04	+24.8%
14	Slovakia	39,267.56	+5.7%
15	Croatia	32,340	+8.8%
16	Slovenia	25,985.23	+9%
17	Lithuania	25,088	+16.3%
18	Cyprus	18,889	+8.1%
19	Malta	17,857.51	+13.9%
20	Latvia	9,914	+11%
21	Estonia	9,880	+10.8%

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, 2026-03) [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, 2026-03. 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=2026-03. 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, 2026-03. 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=2026-03.

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, 2026-03 [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=2026-03 (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, 2026-03}},
  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=2026-03. 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, 2026-03
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=2026-03
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-overnight-deposit-balances/eu-countries?period=2026-03.
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 €1.93 trillion in March 2026, according to the European Central Bank.

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

Estonia, with €9.88 billion in March 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.