Interest Rates on Bank Deposits and Loans: September 2025
31/10/2025 - Press Releases
- In September 2025, the weighted average interest rate on new deposits remained almost unchanged at 0.33%, while the corresponding rate on new loans increased to 4.51%.
- The interest rate spread between new deposits and loans increased to 4.18 percentage points.
- In September 2025, the weighted average interest rate on outstanding amounts of deposits remained unchanged at 0.32%, while the corresponding rate of outstanding amounts of loans remained almost unchanged at 4.63%.
- The interest rate spread between outstanding amounts of deposits and loans remained almost unchanged at 4.31 percentage points.
1. Interest rates on euro-denominated new deposits and loans
New Deposits
In September 2025, the weighted average interest rate on new deposits remained almost unchanged at 0.33% compared with the previous month.
In particular, the average interest rate on overnight deposits placed by households remained unchanged at 0.03%, while the corresponding rate on deposits by non-financial corporations stood at 0.13% from 0.10% in the previous month.
The average interest rate on deposits from households with an agreed maturity of up to 1 year increased by 5 basis points to 1.17%, while the corresponding rate on deposits from non-financial corporations increased by 7 basis points to 1.69%.
New Loans
The weighted average interest rate on new loans to households and non-financial corporations increased by 6 basis points to 4.51%.
More specifically, the average interest rate on consumer loans without a defined maturity (a category that comprises credit cards, revolving loans and overdrafts) decreased by 8 basis points to 14.58%.
The average interest rate on consumer loans with a defined maturity at a floating rate decreased by 34 basis points to 11.13%, while the average interest rate on housing loans at a floating rate remained almost unchanged at 3.52%.
The average interest rate on corporate loans without a defined maturity remained almost unchanged at 4.51%. The corresponding rate on loans to sole proprietors decreased by 4 basis points to 6.83%.
The average interest rate on new corporate loans with a defined maturity at a floating rate increased by 13 basis points to 3.84%. The average interest rate on loans with a defined maturity at a floating rate to small and medium-sized enterprises (SMEs) increased by 8 basis points to 4.19%.
As regards the structure of interest rates according to the size of loans granted, the average rate on loans of up to €250,000 remained almost unchanged at 4.74%, on loans of over €250,000 and up to €1 million it increased by 9 basis points to 4.30%, while on loans of over €1 million it increased by 14 basis points to 3.76%.
2. Interest rates on outstanding amounts of euro-denominated deposits and loans
Deposits
In September 2025, the weighted average interest rate on outstanding amounts of deposits (including overnight deposits) remained unchanged at 0.32%.
In particular, the average interest rate on outstanding amounts of deposits with an agreed maturity of up to 2 years placed by households decreased by 5 basis points to 1.23%, while the corresponding rate on deposits placed by non-financial corporations remained almost unchanged at 1.68%.
Loans
The weighted average interest rate on outstanding amounts of loans remained almost unchanged at 4.63%.
In particular, the average interest rate on outstanding amounts of housing loans with over 5 years’ maturity remained unchanged at 3.61%. The corresponding rate on consumer and other loans to individuals and private non-profit institutions remained almost unchanged at 8.17%.
The average interest rate on corporate loans with over 5 years’ maturity decreased by 5 basis points to 4.14%, while the corresponding rate on loans to sole proprietors decreased by 29 basis points to 5.43%.
Table 1: Average interest rates on new euro-denominated deposits and loans (percentages % per annum)
Table 2: Average interest rates on outstanding amounts of euro-denominated deposits and loans (percentages % per annum)
Notes:
- The interest rate spread is the difference between the weighted average rate on loans and the weighted average rate on deposits.
- For the calculation of the weighted average interest rate on all outstanding deposits, the overnight deposits are also taken into account.
- Loans at a floating rate comprise also loans with an initial rate fixation period of up to one year.
- New business refers to new contracts that were agreed during the reference month and not actual loan disbursements.
Related information:
The complete dataset of bank deposit and loan interest rates is published in the sub-section “Bank deposit and loan interest rates” on the Bank of Greece website.
The next Press Release for October 2025 will be published on 3 December 2025 according to the Advance release calendar on the Bank of Greece website.
Related links:
Bank deposit and loan interest rates
Advance release calendar