German household time deposits transactions
German household time deposits transactions stood at 5.9 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Time deposits2 | 5.9 | 6.4 | -3.5 | -6.9 | -3.7 | -1.1 | 21.9 | 36.1 | 60.4 | 48.4 | |
| Short-term time deposits | 1.1 | 1.1 | -11.6 | -8.3 | -3.4 | 5.8 | 18.5 | 27.2 | 48.9 | 43.6 | |
| Long-term time deposits | 4.9 | 5.3 | 8.1 | 1.4 | -0.2 | -6.9 | 3.4 | 8.9 | 11.5 | 4.8 |
Understanding german household time deposits transactions
Fixed-duration banking facilities entered into by households with predetermined maturity terms form this specific transaction aggregate. It accounts for net funds placed into or liquidated from term deposit accounts where money is locked for a contracted period in exchange for agreed interest rates. This line excludes open-ended savings deposits that operate on notice periods, savings certificates, and sight deposits. By isolating fixed-maturity contracts, the series measures household willingness to commit liquidity for definite durations rather than retaining continuous withdrawal flexibility.
Data represent unadjusted quarterly transaction totals across both short-term and long-term maturities. Net transactions in time deposits reflect portfolio reallocation between different banking products when commercial yield structures change. Consecutive quarterly changes can be misleading because large batches of term deposits mature simultaneously on fixed calendar dates, creating temporary swings as principal amounts are rolled over or disbursed. Comparing identical quarters across years filters out these scheduled maturity cycles. Revisions occur periodically as domestic credit institutions audit maturity schedules and reclassify renewed deposits within monthly statistical submissions.
Frequently asked questions
- What defines a time deposit in the household financial accounts?
- A time deposit is an account with a binding contractual term during which funds cannot be withdrawn before maturity without financial penalties.
- How do time deposits differ from savings deposits?
- Time deposits have fixed maturity dates agreed at inception, whereas savings deposits have open-ended durations governed by advance notice withdrawal terms.
- Why can net transactions in time deposits turn negative?
- Negative transactions occur when the total volume of maturing deposits exceeds the value of newly opened or rolled-over term contracts in that quarter.