Germany corporate revolving loan and credit card rates
Germany corporate revolving loan and credit card rates stood at 5.05% in Aug 2026, according to Deutsche Bundesbank. It is one of the indicators in the Bank interest rates 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 table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revolving loans, overdrafts and credit card debt | |||||||||||
| Business, Revolving loans and overdrafts, convenience and extended credit card debt to non-financial corporations, SUD187 | 5.05 | 4.99 | 5.03 | 4.88 | 4.89 | 4.9 | 4.9 | 4.89 | 4.86 | 4.84 | |
| Business, Revolving loans and overdrafts, convenience and extended credit card debt to households, SUD186 | 9.39 | 9.32 | 9.34 | 9.24 | 9.26 | 9.3 | 9.31 | 9.44 | 9.04 | 9.37 |
Understanding germany corporate revolving loan and credit card rates
Immediate liquidity facilities granted to non-financial corporations are quantified by aggregating overdrafts, revolving credit lines, and both convenience and extended credit card usage. This overarching metric bundles various forms of flexible borrowing, capturing everything from routine treasury operations to structured corporate cards used for procurement. By combining these responsive lending instruments, the data delivers a holistic view of the convenience financing faced by incorporated businesses. It stands apart from fixed-term commercial loans by representing credit continuously drawn down, repaid, and redrawn at the discretion of the borrower.
Because revolving credit undergoes immediate repricing, this aggregate percentage acts as a highly sensitive indicator of commercial financing conditions. The figures are heavily weighted by overdraft usage, which dominates corporate liquidity management, leaving credit card pricing with only a secondary pull on the final number. Month-on-month assessments are entirely valid, as the variable nature of these instruments means policy adjustments flow through almost instantaneously. Analysts must remain cautious when comparing this combined indicator against historical periods preceding structural shifts in corporate card adoption, as changes in the underlying product mix naturally alter the weighted average.
Frequently asked questions
- Does this percentage include the annual fees associated with corporate credit cards?
- The figures solely track the annualized interest rates applied to outstanding balances, excluding annual card fees or separate transaction charges.
- How are convenience credit cards factored into the calculation?
- Convenience credit, where balances are cleared fully at the end of the billing cycle without incurring interest, is conceptually included but mathematically pulls down the aggregate average due to its interest-free status.
- Are loans for heavy machinery captured in this flexible credit metric?
- No, asset-specific financing usually takes the form of fixed-term loans rather than revolving debt.