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 December 2025, at €680.55 billion. Latvia had the lowest, at €2 billion. The median was €18.65 billion. Source: the European Central Bank.

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Highest680,552Germany
Lowest2,002Latvia
Median18,65021 EU countries

Map of EU countries, December 2025

Austria: 120,884 EUR millionBelgium: 41,211 EUR millionBulgaria: 14,855.93 EUR millionCyprus: 11,055 EUR millionGermany: 680,552 EUR millionEstonia: 6,346 EUR millionSpain: 163,300 EUR millionFinland: 16,549 EUR millionFrance: 409,398 EUR millionGreece: 34,365 EUR millionCroatia: 10,406 EUR millionIreland: 18,650 EUR millionItaly: 85,343 EUR millionLithuania: 8,755 EUR millionLuxembourg: 25,211 EUR millionLatvia: 2,002 EUR millionMalta: 4,329.64 EUR millionNetherlands: 93,231 EUR millionPortugal: 114,038.88 EUR millionSlovenia: 4,110.85 EUR millionSlovakia: 13,305.7 EUR million
  • Under 9,000
  • 9,000 to 15K
  • 15K to 34K
  • 34K to 110K
  • 110K and over
  • No data
EUR million, December 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, December 2025

Germany: 680,552 EUR millionGermany680,552France: 409,398 EUR millionFrance409,398Spain: 163,300 EUR millionSpain163,300Austria: 120,884 EUR millionAustria120,884Portugal: 114,038.88 EUR millionPortugal114,038.88Netherlands: 93,231 EUR millionNetherlands93,231Italy: 85,343 EUR millionItaly85,343Belgium: 41,211 EUR millionBelgium41,211Greece: 34,365 EUR millionGreece34,365Luxembourg: 25,211 EUR millionLuxembourg25,211Ireland: 18,650 EUR millionIreland18,650Finland: 16,549 EUR millionFinland16,549Bulgaria: 14,855.93 EUR millionBulgaria14,855.93Slovakia: 13,305.7 EUR millionSlovakia13,305.7Cyprus: 11,055 EUR millionCyprus11,055Croatia: 10,406 EUR millionCroatia10,406Lithuania: 8,755 EUR millionLithuania8,755Estonia: 6,346 EUR millionEstonia6,346Malta: 4,329.64 EUR millionMalta4,329.64Slovenia: 4,110.85 EUR millionSlovenia4,110.85Latvia: 2,002 EUR millionLatvia2,002Germany: 680,552 EUR millionGermany680,552France: 409,398 EUR millionFrance409,398Spain: 163,300 EUR millionSpain163,300Austria: 120,884 EUR millionAustria120,884Portugal: 114,038.88 EUR millionPortugal114,038.88Netherlands: 93,231 EUR millionNetherlands93,231Italy: 85,343 EUR millionItaly85,343Belgium: 41,211 EUR millionBelgium41,211Greece: 34,365 EUR millionGreece34,365Luxembourg: 25,211 EUR millionLuxembourg25,211Ireland: 18,650 EUR millionIreland18,650Finland: 16,549 EUR millionFinland16,549Bulgaria: 14,855.93 EUR millionBulgaria14,855.93Slovakia: 13,305.7 EUR millionSlovakia13,305.7Cyprus: 11,055 EUR millionCyprus11,055Croatia: 10,406 EUR millionCroatia10,406Lithuania: 8,755 EUR millionLithuania8,755Estonia: 6,346 EUR millionEstonia6,346Malta: 4,329.64 EUR millionMalta4,329.64Slovenia: 4,110.85 EUR millionSlovenia4,110.85Latvia: 2,002 EUR millionLatvia2,002
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 countriesDecember 2025
EUR million		Change on December 2024
1Germany680,552-3.5%
2France409,398-6.8%
3Spain163,300-5.8%
4Austria120,884-0.6%
5Portugal114,038.88+1.7%
6Netherlands93,231-3%
7Italy85,343-10.5%
8Belgium41,211-36.2%
9Greece34,365-8.2%
10Luxembourg25,211-4.8%
11Ireland18,650+23%
12Finland16,549+5.8%
13Bulgaria14,855.93+9.6%
14Slovakia13,305.7+2%
15Cyprus11,055-2.9%
16Croatia10,406-5.5%
17Lithuania8,755-0.5%
18Estonia6,346-3.9%
19Malta4,329.64-7.5%
20Slovenia4,110.85-3.1%
21Latvia2,002-11.1%

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, 2025-12) [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.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, 2025-12. 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.L22.A.1.U2.2250.Z01.E?format=csvdata. Invokely, https://invokely.ai/rankings/mfi-household-term-deposit-balances/eu-countries?period=2025-12. 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, 2025-12. 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.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=2025-12.

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, 2025-12 [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.L22.A.1.U2.2250.Z01.E?format=csvdata, via Invokely: https://invokely.ai/rankings/mfi-household-term-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 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, 2025-12}},
  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.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=2025-12. 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, 2025-12
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.L22.A.1.U2.2250.Z01.E?format=csvdata
L2  - https://invokely.ai/rankings/mfi-household-term-deposit-balances/eu-countries?period=2025-12
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-term-deposit-balances/eu-countries?period=2025-12.
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 €680.55 billion in December 2025, according to the European Central Bank.

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

Latvia, with €2 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 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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