Germany household deposit rates, notice over 3 months
Germany household deposit rates, notice over 3 months stood at 1.96% 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Deposits | |||||||||||
| Business, Households' deposits redeemable at notice of over 3 months, SUD106 | 1.96 | 1.9 | 1.84 | 1.78 | 1.74 | 1.73 | 1.73 | 1.74 | 1.75 | 1.78 | |
| Business, Non-financial corporations' deposits, overnight, SUD107 | 0.81 | 0.8 | 0.79 | 0.69 | 0.7 | 0.71 | 0.69 | 0.69 | 0.67 | 0.68 |
Understanding germany household deposit rates, notice over 3 months
Yields on consumer funds locked behind extended withdrawal constraints are tracked through this specific indicator. The data aggregates newly priced retail deposits requiring notification periods exceeding a standard fiscal quarter before the cash becomes available. By isolating these longer-notice commitments, the metric stands apart from more liquid savings tools and targets a segment of the deposit base where banks seek greater funding stability. It excludes corporate liquidity and focuses strictly on personal finance arrangements, capturing the compensation banks offer to secure durable retail funding in the current pricing cycle.
Observing the spread between this rate and its shorter-notice counterpart reveals the premium banks are willing to pay for funding longevity. Period-on-period evaluations are most effective for detecting immediate shifts in retail banking competition, as year-on-year analyses often mask the precise timing of rate transmission. Revisions to the underlying figures are rare but can occur if reporting institutions restate their new business volumes. A common analytical error involves conflating these rates with those of long-term government bonds, as the risk profile and regulatory treatment of retail banking liabilities dictate a completely different pricing dynamic.
Frequently asked questions
- Are penalty-free early withdrawals factored into this yield calculation?
- The rate reflects the agreed contractual terms assuming the notice period is fully respected, without accounting for potential early withdrawal penalties.
- How does this differ from the up to 3 months notice category?
- It captures the pricing for longer commitment horizons, reflecting the different liquidity value these durable deposits hold for retail banks.
- Do shifts in the central bank policy rate appear instantly in this series?
- Adjustments to retail deposit pricing often follow policy changes with a lag, dictated by competitive pressures and individual bank funding requirements.