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 January 2026, at €681.8 billion. Latvia had the lowest, at €2.05 billion. The median was €18.69 billion. Source: the European Central Bank.

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Highest681,804Germany
Lowest2,045Latvia
Median18,68721 EU countries

Map of EU countries, January 2026

Austria: 121,723 EUR millionBelgium: 41,425 EUR millionBulgaria: 14,947.29 EUR millionCyprus: 11,043 EUR millionGermany: 681,804 EUR millionEstonia: 6,427 EUR millionSpain: 162,593 EUR millionFinland: 16,889 EUR millionFrance: 407,294 EUR millionGreece: 34,045 EUR millionCroatia: 10,421 EUR millionIreland: 18,687 EUR millionItaly: 86,329 EUR millionLithuania: 8,761 EUR millionLuxembourg: 25,236 EUR millionLatvia: 2,045 EUR millionMalta: 4,291.75 EUR millionNetherlands: 92,919 EUR millionPortugal: 114,280.34 EUR millionSlovenia: 4,117.68 EUR millionSlovakia: 13,348.81 EUR million
  • Under 9,000
  • 9,000 to 15K
  • 15K to 34K
  • 34K to 110K
  • 110K and over
  • No data
EUR million, January 2026. 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, January 2026

Germany: 681,804 EUR millionGermany681,804France: 407,294 EUR millionFrance407,294Spain: 162,593 EUR millionSpain162,593Austria: 121,723 EUR millionAustria121,723Portugal: 114,280.34 EUR millionPortugal114,280.34Netherlands: 92,919 EUR millionNetherlands92,919Italy: 86,329 EUR millionItaly86,329Belgium: 41,425 EUR millionBelgium41,425Greece: 34,045 EUR millionGreece34,045Luxembourg: 25,236 EUR millionLuxembourg25,236Ireland: 18,687 EUR millionIreland18,687Finland: 16,889 EUR millionFinland16,889Bulgaria: 14,947.29 EUR millionBulgaria14,947.29Slovakia: 13,348.81 EUR millionSlovakia13,348.81Cyprus: 11,043 EUR millionCyprus11,043Croatia: 10,421 EUR millionCroatia10,421Lithuania: 8,761 EUR millionLithuania8,761Estonia: 6,427 EUR millionEstonia6,427Malta: 4,291.75 EUR millionMalta4,291.75Slovenia: 4,117.68 EUR millionSlovenia4,117.68Latvia: 2,045 EUR millionLatvia2,045Germany: 681,804 EUR millionGermany681,804France: 407,294 EUR millionFrance407,294Spain: 162,593 EUR millionSpain162,593Austria: 121,723 EUR millionAustria121,723Portugal: 114,280.34 EUR millionPortugal114,280.34Netherlands: 92,919 EUR millionNetherlands92,919Italy: 86,329 EUR millionItaly86,329Belgium: 41,425 EUR millionBelgium41,425Greece: 34,045 EUR millionGreece34,045Luxembourg: 25,236 EUR millionLuxembourg25,236Ireland: 18,687 EUR millionIreland18,687Finland: 16,889 EUR millionFinland16,889Bulgaria: 14,947.29 EUR millionBulgaria14,947.29Slovakia: 13,348.81 EUR millionSlovakia13,348.81Cyprus: 11,043 EUR millionCyprus11,043Croatia: 10,421 EUR millionCroatia10,421Lithuania: 8,761 EUR millionLithuania8,761Estonia: 6,427 EUR millionEstonia6,427Malta: 4,291.75 EUR millionMalta4,291.75Slovenia: 4,117.68 EUR millionSlovenia4,117.68Latvia: 2,045 EUR millionLatvia2,045
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 countriesJanuary 2026
EUR million		Change on January 2025
1Germany681,804-3.3%
2France407,294-6.3%
3Spain162,593-6%
4Austria121,723+0.4%
5Portugal114,280.34+1.8%
6Netherlands92,919-4.2%
7Italy86,329-9.8%
8Belgium41,425-34.9%
9Greece34,045-10.1%
10Luxembourg25,236-3.1%
11Ireland18,687+17.5%
12Finland16,889+7.8%
13Bulgaria14,947.29+8.9%
14Slovakia13,348.81+1.2%
15Cyprus11,043-3.2%
16Croatia10,421-5.2%
17Lithuania8,761-0.6%
18Estonia6,427-5.2%
19Malta4,291.75-7.5%
20Slovenia4,117.68-3.9%
21Latvia2,045-7.7%

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, 2026-01) [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, 2026-01. 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=2026-01. 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, 2026-01. 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=2026-01.

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, 2026-01 [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=2026-01 (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, 2026-01}},
  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=2026-01. 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, 2026-01
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=2026-01
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/mfi-household-term-deposit-balances/eu-countries?period=2026-01.
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 €681.8 billion in January 2026, according to the European Central Bank.

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

Latvia, with €2.05 billion in January 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 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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