German household other deposits transactions
German household other deposits transactions stood at 4.8 EUR billion in Q1 2026, according to Deutsche Bundesbank. It is one of the indicators in the Household financial accounts table (Value · Quarterly), with a complete series running from Q1 1999 to Q1 2026. The complete series with an interactive chart, free to download.
This indicator in the Household financial accounts table
| Indicator | Q1-2026 | Q4-2025 | Q3-2025 | Q2-2025 | Q1-2025 | Q4-2024 | Q3-2024 | Q2-2024 | Q1-2024 | Q4-2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Other deposits3 | 4.8 | 3.9 | -6.9 | -9.7 | -11.7 | -17.1 | 19.5 | 33.7 | 64.1 | 75.5 | |
| Time deposits | 5.9 | 6.4 | -3.5 | -6.9 | -3.7 | -1.1 | 21.9 | 36.1 | 60.4 | 48.4 | |
| Savings deposits | -4.1 | -6 | -3.1 | -0.2 | -6.1 | -6 | -7.6 | -11 | -14.2 | -16.8 |
Understanding german household other deposits transactions
Non-clearing banking balances requiring agreed maturity commitments, advance withdrawal notification, or registered savings documentation constitute this collective transaction grouping. It unites three distinct deposit classes: fixed-term deposits, traditional notice savings accounts, and bank savings certificates. The series excludes daily payment checking accounts and physical cash. By aggregating all non-transferable deposit products, it tracks household allocations toward interest-bearing savings vehicles placed with monetary financial institutions, differentiating committed savings from transactional cash.
Reported figures represent net flows without seasonal smoothing. Transactions are sensitive to rate differentials across financial products, meaning strong net inflows often reflect funds leaving transferable accounts rather than fresh aggregate savings. Seasonal variations occur around calendar periods when accumulated interest is credited to accounts or annual contractual savings plans mature. Year-on-year comparisons across corresponding quarters are the honest approach to filter out these calendar cycles. Retrospective revisions take place when commercial banks supply updated regulatory returns and reclassify accounts between sight and term facilities.
Frequently asked questions
- What instruments are grouped under other deposits?
- The category comprises all non-transferable bank deposits, including time deposits with fixed maturities, savings deposits subject to notice, and non-tradable savings certificates.
- How does this category interact with transferable deposits?
- When interest rates on term accounts rise, households commonly transfer money from transferable checking accounts into other deposits to obtain higher returns.
- Does this measure include marketable bank bonds?
- No, tradable debt securities are excluded and recorded separately under securities accounts.