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 April 2026, at €1.95 trillion. Estonia had the lowest, at €10.01 billion. The median was €75.05 billion. Source: the European Central Bank.

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Highest1,945,685Germany
Lowest10,011Estonia
Median75,04821 EU countries

Map of EU countries, April 2026

Austria: 217,328 EUR millionBelgium: 109,957 EUR millionBulgaria: 41,145.64 EUR millionCyprus: 18,960 EUR millionGermany: 1,945,685 EUR millionEstonia: 10,011 EUR millionSpain: 943,570 EUR millionFinland: 75,048 EUR millionFrance: 588,455 EUR millionGreece: 120,936 EUR millionCroatia: 32,433 EUR millionIreland: 150,563 EUR millionItaly: 901,755 EUR millionLithuania: 27,407 EUR millionLuxembourg: 55,056 EUR millionLatvia: 10,019 EUR millionMalta: 17,833.14 EUR millionNetherlands: 109,673 EUR millionPortugal: 89,147.29 EUR millionSlovenia: 26,169.3 EUR millionSlovakia: 40,065.79 EUR million
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EUR million, April 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, April 2026

Germany: 1,945,685 EUR millionGermany1,945,685Spain: 943,570 EUR millionSpain943,570Italy: 901,755 EUR millionItaly901,755France: 588,455 EUR millionFrance588,455Austria: 217,328 EUR millionAustria217,328Ireland: 150,563 EUR millionIreland150,563Greece: 120,936 EUR millionGreece120,936Belgium: 109,957 EUR millionBelgium109,957Netherlands: 109,673 EUR millionNetherlands109,673Portugal: 89,147.29 EUR millionPortugal89,147.29Finland: 75,048 EUR millionFinland75,048Luxembourg: 55,056 EUR millionLuxembourg55,056Bulgaria: 41,145.64 EUR millionBulgaria41,145.64Slovakia: 40,065.79 EUR millionSlovakia40,065.79Croatia: 32,433 EUR millionCroatia32,433Lithuania: 27,407 EUR millionLithuania27,407Slovenia: 26,169.3 EUR millionSlovenia26,169.3Cyprus: 18,960 EUR millionCyprus18,960Malta: 17,833.14 EUR millionMalta17,833.14Latvia: 10,019 EUR millionLatvia10,019Estonia: 10,011 EUR millionEstonia10,011Germany: 1,945,685 EUR millionGermany1,945,685Spain: 943,570 EUR millionSpain943,570Italy: 901,755 EUR millionItaly901,755France: 588,455 EUR millionFrance588,455Austria: 217,328 EUR millionAustria217,328Ireland: 150,563 EUR millionIreland150,563Greece: 120,936 EUR millionGreece120,936Belgium: 109,957 EUR millionBelgium109,957Netherlands: 109,673 EUR millionNetherlands109,673Portugal: 89,147.29 EUR millionPortugal89,147.29Finland: 75,048 EUR millionFinland75,048Luxembourg: 55,056 EUR millionLuxembourg55,056Bulgaria: 41,145.64 EUR millionBulgaria41,145.64Slovakia: 40,065.79 EUR millionSlovakia40,065.79Croatia: 32,433 EUR millionCroatia32,433Lithuania: 27,407 EUR millionLithuania27,407Slovenia: 26,169.3 EUR millionSlovenia26,169.3Cyprus: 18,960 EUR millionCyprus18,960Malta: 17,833.14 EUR millionMalta17,833.14Latvia: 10,019 EUR millionLatvia10,019Estonia: 10,011 EUR millionEstonia10,011
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 countriesApril 2026
EUR million		Change on April 2025
1Germany1,945,685+5.9%
2Spain943,570+5.8%
3Italy901,755+4.4%
4France588,455+2.4%
5Austria217,328+1.3%
6Ireland150,563+5.7%
7Greece120,936+7.7%
8Belgium109,957+2.7%
9Netherlands109,673+1.1%
10Portugal89,147.29+6.1%
11Finland75,048+3.5%
12Luxembourg55,056+5.8%
13Bulgaria41,145.64+24.7%
14Slovakia40,065.79+7.3%
15Croatia32,433+8.2%
16Lithuania27,407+25.1%
17Slovenia26,169.3+9.1%
18Cyprus18,960+7.2%
19Malta17,833.14+12.8%
20Latvia10,019+9.8%
21Estonia10,011+10.5%

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, 2026-04) [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, 2026-04. 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=2026-04. 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, 2026-04. 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=2026-04.

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, 2026-04 [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=2026-04 (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, 2026-04}},
  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=2026-04. 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, 2026-04
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=2026-04
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-overnight-deposit-balances/eu-countries?period=2026-04.
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 €1.95 trillion in April 2026, according to the European Central Bank.

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

Estonia, with €10.01 billion in April 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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