Money, credit and central bank interest rates is a digital
publication produced by European Central Bank and the
national central banks of the Eurosystem. The publication
aims to make it easier to understand, use and compare euro
area and national statistics. It presents the statistics
visually, uses reader-friendly terms, is digitally
reusable via the embed function and is available in 23 EU
The data are updated in real time and available from the
Statistical Data Warehouse.
Permission is hereby granted, free of charge, to any
person obtaining a copy of the work and associated
documentation files (the “Software”), to deal in the
Software without restriction, including without limitation
the rights to use, copy, modify, merge, publish,
distribute, sublicense, and/or sell copies of the
Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions
The software is provided “as is”, without warranty of any
In no event shall the authors or copyright holders be
liable for any claim, damages or other liability, whether
in an action of contract, tort or otherwise, arising from,
out of or in connection with the Software or the use or
other dealings in the software.
The Software is built upon and made available by Eurostat.
The ECB/Eurostat does not take responsibility for any
replication of the content of the Software, or any other
form of redistribution.
Cover photo © Ipopba/iStock
The European System of Central Banks (ESCB) is committed
to providing its statistics free of charge as a public
good of high quality irrespective of any subsequent
commercial or non-commercial use. All publicly available
ESCB statistics may be reused free of charge on the
condition that the source is quoted (e.g. “Source: euro
area statistics”) and that the statistics (including
metadata) are not modified.
Nationale Bank van België/Banque Nationale de
Central Bank of Ireland
Bank of Greece
Banco de España
Banque de France
Central Bank of Cyprus
Banque centrale du Luxembourg
Bank Ċentrali ta’ Malta/CentralBank of Malta
De Nederlandsche Bank
Banco de Portugal
Národná banka Slovenska
Suomen Pankki – Finlands Bank
Money can also take the form of deposits held in bank
accounts by people (households) and companies. There are
different types of deposit with different maturities, but
only those deposits that can be quickly converted into
cash or transferred are considered to be money in central
banking terms, as they are closely linked to the spending
plans of the private sector.
Short-term deposits that can be paid out or transferred
without delay, restriction or penalty are called
“overnight deposits”. They are typically held on current
accounts and used for cashless payments.
Other, slightly less liquid (readily available), types of
deposit that are also considered to be money are savings
deposits that can be paid out within three months
following advance notification, as well as time deposits
that have an agreed maturity of up to two years.
Longer-term deposits with a maturity of over two years, or
savings deposits redeemable at notice with a notice period
of over three months, are not considered to be money
because they are rather less liquid and cannot be quickly
converted into cash or transferred.
Deposits normally earn interest, which the bank pays to
depositors for holding their money. Typically, the longer
the bank can hold a deposit before returning it to the
depositor, the higher the interest rate on that deposit
will be. This influences the investment and saving
decisions of households and companies and interest rates
are therefore relevant to the analysis of monetary
statistics on deposit stocks, transactions and annual
growth rates, as well as
interest rates, are collected by Eurosystem central banks. They are
made available on a monthly basis for all euro area
countries with various breakdowns.
In [Date 1] the euro area overall interest rate for new
deposits from households with an agreed maturity was
[Value 1]%. The overall interest rate for new deposits
from companies was [Value 2]%.
Click to interact and compare countries
Click to interact and compare countries