Germany household transferable deposits
Germany household transferable deposits stood at 1,857.8 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total financial assets | 9,489.9 | 9,518.4 | 9,364.3 | 9,235.9 | 9,090.9 | 9,072.1 | 8,927.9 | 8,769.8 | 8,639.4 | 8,435 | |
| Currency and deposits | 3,550 | 3,538.4 | 3,468.6 | 3,441.1 | 3,406.6 | 3,408 | 3,351.6 | 3,302.6 | 3,254 | 3,218.7 | |
| Transferable deposits | 1,857.8 | 1,859 | 1,810.2 | 1,787.2 | 1,749.5 | 1,740 | 1,685.5 | 1,661.2 | 1,652.9 | 1,686.3 |
Understanding germany household transferable deposits
Balances held in current accounts, checking accounts, and sight deposits that are immediately available for transactions and cashless settlements define this measure. Funds placed here can be transferred or withdrawn on demand by card, direct debit, or electronic transfer without notice or penalty. The metric stands apart from physical currency by representing bank claims, and it differs from other deposits by excluding time deposits and savings accounts that restrict immediate liquidity or enforce lock-in periods.
As the primary vehicle for daily household transactions and wage receipts, transferable deposits display sharp intra-year variations driven by salary bonus timetables, tax settlement schedules, and holiday consumption. Evaluating stock levels on a year-on-year basis mitigates these calendar-driven swings and clarifies whether liquidity preferences are shifting over the medium term. When macroeconomic conditions change, funds frequently migrate between transferable deposits and higher-yielding term deposits, meaning movements in this row must be evaluated alongside sibling deposit categories rather than in isolation. Revisions are generally minor and arise mainly from standard banking sector reporting reconciliations.
Frequently asked questions
- Can balances in transferable accounts be withdrawn immediately?
- Yes, transferable deposits consist of sight balances and checking funds that can be converted into cash or transferred electronically without prior notice.
- What is the main structural difference between transferable deposits and time deposits?
- Transferable deposits provide immediate transaction availability, whereas time deposits lock funds away for an agreed duration in exchange for interest terms.
- Does this measure include business accounts of unincorporated entrepreneurs?
- Yes, sole proprietors and self-employed individuals are classified within the household sector, so their operational transaction accounts are included here.