Germany household long-term savings deposits
Germany household long-term savings deposits stood at 60.7 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 deposits | 1,169.9 | 1,163.3 | 1,156.2 | 1,163.2 | 1,179.4 | 1,194.5 | 1,204.4 | 1,188.4 | 1,153.8 | 1,088.1 | |
| Savings deposits | 380.3 | 384.4 | 390.3 | 393.4 | 393.6 | 399.7 | 405.7 | 413.2 | 424.2 | 438.4 | |
| Long-term savings deposits | 60.7 | 59.4 | 62.4 | 61.7 | 58 | 59.2 | 60.2 | 58.9 | 56.7 | 49.8 |
Understanding germany household long-term savings deposits
Notice agreements exceeding three months apply to the balances captured in this series, reflecting committed retail accounts and bonus savings arrangements. These products frequently involve contractual savings arrangements where funds are committed under longer notice restrictions in exchange for preferential terms. The category excludes ordinary three-month notice savings books, fixed-term time deposits, and bank-issued certificates. It represents the less liquid, committed tier of traditional household savings accounts within the financial accounts structure.
Extended notification requirements ensure that balances in this category adjust sluggishly to changes in the broader financial environment. Quarter-on-quarter changes are generally muted, making year-on-year comparisons informative for detecting structural decisions to terminate or establish contractual savings agreements. A critical analytical distinction is that notice periods dictate classification, not the length of time the account has been open; an account open for a decade remains short-term if its contractual notice requirement is under three months. Figures represent unadjusted nominal values subject to occasional reporting revisions by depository institutions.
Frequently asked questions
- What defines a savings deposit as long-term?
- Long-term savings deposits carry an agreed withdrawal notice period of more than three months.
- Are long-term savings deposits equivalent to long-term time deposits?
- No, savings deposits are ongoing accounts governed by withdrawal notification rules, whereas time deposits expire on an agreed fixed maturity date.
- How do bonus savings contracts fit into this series?
- Structured savings contracts that mandate multi-month notice periods to earn supplemental loyalty bonuses are classified in this category.