France household transferable deposits: outstanding
France household transferable deposits: outstanding stood at 628,815 EUR million in Q2 2026, according to Banque de France – Webstat (webstat.banque-france.fr). It is one of the indicators in the Household financial wealth table (Value · Quarterly), with a complete series running from Q4 1995 to Q2 2026. The complete series with an interactive chart, free to download.
This indicator in the Household financial wealth table
| Indicator | Q2-2026 | Q1-2026 | Q4-2025 | Q3-2025 | Q2-2025 | Q1-2025 | Q4-2024 | Q3-2024 | Q2-2024 | Q1-2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total | 7,607,996 | 7,396,260 | 7,455,400 | 7,395,056 | 7,214,820 | 7,148,860 | 7,087,946 | 7,152,142 | 7,026,459 | 7,094,787 | |
| Currency and deposits | 2,150,742 | 2,128,422 | 2,130,397 | 2,138,201 | 2,126,843 | 2,112,391 | 2,107,624 | 2,116,043 | 2,107,144 | 2,082,627 | |
| Transferable deposits | 628,815 | 610,701 | 609,347 | 617,385 | 612,683 | 601,814 | 597,268 | 609,992 | 611,981 | 602,462 |
Understanding france household transferable deposits: outstanding
This series tracks funds held in standard bank accounts that can be withdrawn on demand without penalty and directly transferred to third parties for payments. Unlike time deposits or savings accounts restricted by notice periods or withdrawal limits, these balances provide immediate transaction utility. It forms the most dynamic subcomponent of total currency and deposits, reacting swiftly to household spending requirements and cash-flow adjustments.
Because daily transactions heavily influence these balances, the series exhibits pronounced intra-year volatility related to tax payment dates, wage cycles, and retail seasons. Early estimates derived from preliminary banking returns are regularly adjusted as more complete regulatory reports replace sample data. When examining these figures, analysts look for structural shifts in liquidity management rather than temporary quarter-end positioning by account holders.
Frequently asked questions
- What distinguishes these deposits from other bank accounts?
- Transferable deposits offer immediate, unrestricted access for payments and transfers, unlike locked term deposits or savings accounts with withdrawal restrictions.
- Are electronic money institution balances included here?
- Depending on specific classification rules, certain prepaid card or digital wallet balances meeting liquidity criteria may be grouped within this category.
- How do interest rate changes affect this series?
- When returns on alternative assets rise, households often reallocate funds away from zero- or low-yielding transaction accounts into higher-paying instruments.