France bank deposit rate: overnight deposits
France bank deposit rate: overnight deposits stood at 0.27% in Aug 2026, according to ECB Data Portal – MFI interest rate statistics (MIR), reported by Banque de France. It is one of the indicators in the Bank interest rates and new loans table (Value · Monthly), with a complete series running from Jan 2003 to Aug 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank interest rates and new loans table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Deposit rates | |||||||||||
| Overnight deposits | 0.27 | 0.27 | 0.27 | 0.26 | 0.27 | 0.28 | 0.26 | 0.27 | 0.27 | 0.26 | |
| Overnight deposits from corporations | 0.54 | 0.54 | 0.54 | 0.5 | 0.52 | 0.54 | 0.51 | 0.52 | 0.51 | 0.5 |
Understanding france bank deposit rate: overnight deposits
Bank deposit remuneration on overnight funds across all institutional and retail sectors combined is represented by this weighted-average annualized rate. It measures the baseline yield paid on immediately accessible, transactional balances that carry no maturity date or withdrawal restrictions, excluding all fixed-term deposits and structured savings. The metric provides an overarching view of zero-duration liquidity pricing within the commercial banking system.
Analyzing overnight deposit yields requires understanding their extreme sensitivity to monetary policy rate changes, given that banks can reprice transactional accounts almost instantly. Observers should track month-to-month movements closely, though seasonality can occasionally appear due to operational cash management patterns across the economy. Comparing this aggregate rate with term deposit series demonstrates the liquidity premium savers surrender for immediate access to their funds.
Frequently asked questions
- What defines an overnight deposit in this statistical framework?
- Funds that can be withdrawn at any time without prior notice or penalty, featuring no agreed maturity structure.
- Are specific sectors segregated within this combined overnight measure?
- This specific series pools all sectors together, while companion rows separate corporate and household overnight accounts.
- Why do overnight rates typically remain lower than term deposit rates?
- Instant liquidity provision commands a lower yield because depositors sacrifice no access flexibility.