France household deposit rates (SA): all deposits
France household deposit rates (SA): all deposits stood at 1.3% 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 2012 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Average interest rates on bank deposits of households (seasonally adjusted) | |||||||||||
| All deposits | 1.3 | 1.22 | 1.22 | 1.22 | 1.22 | 1.22 | 1.23 | 1.3 | 1.3 | 1.3 | |
| Sight deposits | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
Understanding france household deposit rates (SA): all deposits
This indicator measures the overall seasonally adjusted average percentage interest rate paid by financial institutions on the complete spectrum of retail household deposit liabilities. The metric aggregates remuneration yields across sight deposits, short-term term deposits, and specialized savings accounts into a single macroeconomic gauge, separating household rates from corporate financing costs. It leaves out non-monetary financial institution liabilities and wholesale interbank borrowings.
Reading this seasonally adjusted series requires accounting for statistical smoothing techniques designed to remove calendar-related payment distortions from the monthly data. Revisions frequently occur in early estimates as reporting banks submit late adjustments to their weighted average rate calculations. Comparing this aggregate rate with corporate deposit yields highlights the distinct pricing strategies applied to retail versus institutional customer segments.
Frequently asked questions
- Why is this specific interest rate series seasonally adjusted?
- Seasonal adjustment removes predictable calendar and holiday payment cycles to reveal underlying monetary trends.
- Does this aggregate rate cover all categories of household deposits?
- Yes, it combines sight accounts, term deposits, and savings instruments into a comprehensive weighted average.
- Can changes in retail deposit mix alter this average rate without a change in bank pricing?
- Yes, if depositors move money between zero-yield sight accounts and interest-bearing term deposits, the aggregate average shifts.