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

EU countries by MFI household term deposit balances

Germany had the highest MFI household term deposit balances of 21 EU countries in November 2025, at €673.94 billion. Latvia had the lowest, at €1.93 billion. The median was €18.63 billion. Source: the European Central Bank.

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Highest673,935Germany
Lowest1,929Latvia
Median18,62621 EU countries

Map of EU countries, November 2025

Austria: 119,614 EUR millionBelgium: 40,218 EUR millionBulgaria: 14,494.78 EUR millionCyprus: 11,012 EUR millionGermany: 673,935 EUR millionEstonia: 6,342 EUR millionSpain: 161,277 EUR millionFinland: 16,318 EUR millionFrance: 406,493 EUR millionGreece: 34,440 EUR millionCroatia: 10,389 EUR millionIreland: 18,626 EUR millionItaly: 86,836 EUR millionLithuania: 8,696 EUR millionLuxembourg: 25,095 EUR millionLatvia: 1,929 EUR millionMalta: 4,328.68 EUR millionNetherlands: 92,775 EUR millionPortugal: 113,083.59 EUR millionSlovenia: 4,115.86 EUR millionSlovakia: 13,084.1 EUR million
  • Under 9,000
  • 9,000 to 14K
  • 14K to 34K
  • 34K to 110K
  • 110K and over
  • No data
EUR million, November 2025. Hatched areas have no value for this period. Source: ECB, ECB BSI: MFI household term deposit balances, unadjusted end-period stock (M.<area>.N.A.L22.A.1.U2.2250.Z01.E). Boundaries: Natural Earth (public domain).

All EU countries, November 2025

Germany: 673,935 EUR millionGermany673,935France: 406,493 EUR millionFrance406,493Spain: 161,277 EUR millionSpain161,277Austria: 119,614 EUR millionAustria119,614Portugal: 113,083.59 EUR millionPortugal113,083.59Netherlands: 92,775 EUR millionNetherlands92,775Italy: 86,836 EUR millionItaly86,836Belgium: 40,218 EUR millionBelgium40,218Greece: 34,440 EUR millionGreece34,440Luxembourg: 25,095 EUR millionLuxembourg25,095Ireland: 18,626 EUR millionIreland18,626Finland: 16,318 EUR millionFinland16,318Bulgaria: 14,494.78 EUR millionBulgaria14,494.78Slovakia: 13,084.1 EUR millionSlovakia13,084.1Cyprus: 11,012 EUR millionCyprus11,012Croatia: 10,389 EUR millionCroatia10,389Lithuania: 8,696 EUR millionLithuania8,696Estonia: 6,342 EUR millionEstonia6,342Malta: 4,328.68 EUR millionMalta4,328.68Slovenia: 4,115.86 EUR millionSlovenia4,115.86Latvia: 1,929 EUR millionLatvia1,929Germany: 673,935 EUR millionGermany673,935France: 406,493 EUR millionFrance406,493Spain: 161,277 EUR millionSpain161,277Austria: 119,614 EUR millionAustria119,614Portugal: 113,083.59 EUR millionPortugal113,083.59Netherlands: 92,775 EUR millionNetherlands92,775Italy: 86,836 EUR millionItaly86,836Belgium: 40,218 EUR millionBelgium40,218Greece: 34,440 EUR millionGreece34,440Luxembourg: 25,095 EUR millionLuxembourg25,095Ireland: 18,626 EUR millionIreland18,626Finland: 16,318 EUR millionFinland16,318Bulgaria: 14,494.78 EUR millionBulgaria14,494.78Slovakia: 13,084.1 EUR millionSlovakia13,084.1Cyprus: 11,012 EUR millionCyprus11,012Croatia: 10,389 EUR millionCroatia10,389Lithuania: 8,696 EUR millionLithuania8,696Estonia: 6,342 EUR millionEstonia6,342Malta: 4,328.68 EUR millionMalta4,328.68Slovenia: 4,115.86 EUR millionSlovenia4,115.86Latvia: 1,929 EUR millionLatvia1,929
EUR million. Source: ECB, ECB BSI: MFI household term deposit balances, unadjusted end-period stock (M.<area>.N.A.L22.A.1.U2.2250.Z01.E). Retrieved 2026-10-12.

Full ranking

RankEU countriesNovember 2025
EUR million		Change on November 2024
1Germany673,935-4.4%
2France406,493-7.1%
3Spain161,277-6%
4Austria119,614-0.6%
5Portugal113,083.59+1.9%
6Netherlands92,775-2.8%
7Italy86,836-9%
8Belgium40,218-38.7%
9Greece34,440-9.1%
10Luxembourg25,095-5%
11Ireland18,626+25.5%
12Finland16,318+3.9%
13Bulgaria14,494.78+7.6%
14Slovakia13,084.1+1.8%
15Cyprus11,012-2.3%
16Croatia10,389-5.5%
17Lithuania8,696+2.5%
18Estonia6,342-2.9%
19Malta4,328.68-10.4%
20Slovenia4,115.86-2.9%
21Latvia1,929-13.8%

Other periods

About this ranking

End-of-month stock of deposits with agreed maturity 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 term deposit balances, unadjusted end-period stock (M.<area>.N.A.L22.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.L22.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 term deposit balances, unadjusted end-period stock (M.<area>.N.A.L22.A.1.U2.2250.Z01.E) (EU countries by MFI household term deposit balances, 2025-11) [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.L22.A.1.U2.2250.Z01.E?format=csvdata

MLA 9

ECB BSI: MFI household term deposit balances, unadjusted end-period stock (M.<area>.N.A.L22.A.1.U2.2250.Z01.E), EU countries by MFI household term deposit balances, 2025-11. 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.L22.A.1.U2.2250.Z01.E?format=csvdata. Invokely, https://invokely.ai/rankings/mfi-household-term-deposit-balances/eu-countries?period=2025-11. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB BSI: MFI household term deposit balances, unadjusted end-period stock (M.<area>.N.A.L22.A.1.U2.2250.Z01.E). EU countries by MFI household term deposit balances, 2025-11. 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.L22.A.1.U2.2250.Z01.E?format=csvdata. Also distributed by Invokely, https://invokely.ai/rankings/mfi-household-term-deposit-balances/eu-countries?period=2025-11.

Harvard

European Central Bank (no date) ECB BSI: MFI household term deposit balances, unadjusted end-period stock (M.<area>.N.A.L22.A.1.U2.2250.Z01.E), EU countries by MFI household term deposit balances, 2025-11 [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.L22.A.1.U2.2250.Z01.E?format=csvdata, via Invokely: https://invokely.ai/rankings/mfi-household-term-deposit-balances/eu-countries?period=2025-11 (Accessed: 12 October 2026).

BibTeX
@misc{european_eu_countries_by_mfi_2026,
  author = {{European Central Bank}},
  title = {{ECB BSI: MFI household term deposit balances, unadjusted end-period stock (M.<area>.N.A.L22.A.1.U2.2250.Z01.E): EU countries by MFI household term deposit balances, 2025-11}},
  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.L22.A.1.U2.2250.Z01.E?format=csvdata},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/mfi-household-term-deposit-balances/eu-countries?period=2025-11. Publisher attribution: European Central Bank. ECB BSI: MFI household term deposit balances, unadjusted end-period stock (M.<area>.N.A.L22.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.L22.A.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB BSI: MFI household term deposit balances, unadjusted end-period stock (M.<area>.N.A.L22.A.1.U2.2250.Z01.E): EU countries by MFI household term deposit balances, 2025-11
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.L22.A.1.U2.2250.Z01.E?format=csvdata
L2  - https://invokely.ai/rankings/mfi-household-term-deposit-balances/eu-countries?period=2025-11
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-term-deposit-balances/eu-countries?period=2025-11.
N1  - Publisher attribution: European Central Bank. ECB BSI: MFI household term deposit balances, unadjusted end-period stock (M.<area>.N.A.L22.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.L22.A.1.U2.2250.Z01.E?format=csvdata. Retrieved 2026-10-12.
ER  -
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Rank EU countries by MFI household term deposit balances using official data, and cite the source.
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Questions

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

Germany, with €673.94 billion in November 2025, according to the European Central Bank.

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

Latvia, with €1.93 billion in November 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 term deposit balances, unadjusted end-period stock (M.<area>.N.A.L22.A.1.U2.2250.Z01.E). Retrieved 2026-10-12.

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