UK household deposit balances: all deposits
UK household deposit balances: all deposits stood at £2,214,957m in Jul 2026. It is one of the indicators in the Savings and loan rates table (Value · Monthly), with a complete series running from Jan 2008 to Jul 2026. The complete series with an interactive chart, free to download.
This indicator in the Savings and loan rates table
| Indicator | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | 10-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Balances outstanding | |||||||||||
| All household deposits | 2,214,957 | 2,214,196 | 2,213,418 | 2,203,797 | 2,197,118 | 2,194,390 | 2,184,444 | 2,189,924 | 2,185,564 | 2,170,061 | |
| Held at banks and building societies | 1,961,735 | 1,961,589 | 1,961,278 | 1,952,185 | 1,945,349 | 1,942,985 | 1,934,136 | 1,940,114 | 1,937,821 | 1,924,787 |
Understanding UK household deposit balances: all deposits
The aggregate monetary sum held by domestic individuals across the United Kingdom within building society accounts represents the focus of this valuation metric. Measured in GBP million, this series captures cumulative deposit liabilities across all retail savings products offered by mutual building societies, combining instant-access accounts, notice accounts, and cash ISAs. Bank deposits and corporate funds are excluded.
Interpreting these figures requires accounting for seasonal inflows, such as tax year-end savings surges or holiday spending withdrawals, which can create predictable intra-year patterns. Analysts should prioritise year-on-year comparisons to filter out these recurring seasonal dynamics. Users must avoid contrasting building society totals directly with broader monetary aggregates that include commercial bank deposits.
Frequently asked questions
- What institutions are surveyed to compile these deposit balances?
- Building societies operating within the United Kingdom provide the underlying administrative data for these retail savings balances.
- Does this series include cash ISA balances held at building societies?
- Yes, tax-advantaged cash ISA holdings managed by building societies are included within total household deposit balances.
- Are business deposits included in building society totals?
- No, the scope is restricted to retail deposits placed by domestic individuals.