Individual deposits reached 144.3 billion euros in 2025 – this is the highest value over the last 22 years.
The money placed by customers private em deposits reached 144.3 billion euros in 2025, the maximum value since 2003the beginning of the series, according to data released by .
In 2024, the amount placed in deposits by individuals had been 129.6 billion euros, so the amount in 2025 means a growth of 11%.
As for the fees, the average interest rate on new private deposits decreased last December to 1,36%, which compares with 1.37% in November and 2.16% a year earlier (December 2024).
The decrease in average remuneration was recorded in all periods. In deposits up to one year, the average interest rate fell to 1,37% in December 2025. These deposits represented 95% of the total amount of new individual term deposit operations in 2025.
Deposits with a term of one to two years corresponded to 4% of the total in 2025.
The average return on these deposits increased to 1,33% in December 2025.
Finally, new term deposits more than two years are residual, representing 0.4% of the total. The average interest rate decreased to 1,13% in December 2025.
