Interest Rates on Bank Deposits and Loans: July 2025
03/09/2025 - Press Releases
- In July 2025, the weighted average interest rate on new deposits remained unchanged at 0.34%, while the corresponding rate on new loans decreased to 4.49%.
- The interest rate spread between new deposits and loans decreased to 4.15 percentage points.
- In July 2025, the weighted average interest rates on outstanding amounts of deposits and loans decreased to 0.33% and to 4.68% respectively.
- The interest rate spread between outstanding amounts of deposits and loans decreased to 4.35 percentage points.
1. Interest rates on euro-denominated new deposits and loans
New Deposits
In July 2025, the weighted average interest rate on new deposits remained unchanged at 0.34% compared with the previous month.
In particular, the average interest rates on overnight deposits placed by households and non-financial corporations remained unchanged at 0.03% and at 0.13% respectively.
The average interest rate on deposits from households with an agreed maturity of up to 1 year decreased by 4 basis points to 1.16%, while the corresponding rate on deposits from non-financial corporations stood at 1.69% from 1.72% in the previous month.
New Loans
The weighted average interest rate on new loans to households and non-financial corporations decreased by 12 basis points to 4.49%.
More specifically, the average interest rate on consumer loans without a defined maturity (a category that comprises credit cards, revolving loans and overdrafts) remained almost unchanged at 14.65%.
The average interest rate on consumer loans with a defined maturity at a floating rate increased by 37 basis points to 11.16%, while the average interest rate on housing loans at a floating rate decreased by 16 basis points to 3.36%.
The average interest rate on corporate loans without a defined maturity decreased by 18 basis points to 4.52%. The corresponding rate on loans to sole proprietors increased by 4 basis points to 6.87%.
The average interest rate on new corporate loans with a defined maturity at a floating rate decreased by 16 basis points to 3.79%. The average interest rate on loans with a defined maturity at a floating rate to small and medium-sized enterprises (SMEs) decreased by 17 basis points to 3.98%.
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 4.73%, on loans of over €250,000 and up to €1 million it remained almost unchanged at 4.26%, while on loans of over €1 million it decreased by 14 basis points to 3.71%.
2. Interest rates on outstanding amounts of euro-denominated deposits and loans
Deposits
In July 2025, the weighted average interest rate on outstanding amounts of deposits (including overnight deposits) decreased by 3 basis points to 0.33%.
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 7 basis points to 1.32%, while the corresponding rate on deposits placed by non-financial corporations decreased by 8 basis points to 1.70%.
Loans
The weighted average interest rate on outstanding amounts of loans decreased by 9 basis points to 4.68%.
In particular, the average interest rate on outstanding amounts of housing loans with over 5 years’ maturity decreased by 4 basis points to 3.62%. The corresponding rate on consumer and other loans to individuals and private non-profit institutions remained unchanged at 8.14%.
The average interest rate on corporate loans with over 5 years’ maturity decreased by 13 basis points to 4.21%. The corresponding rate on loans to sole proprietors increased by 4 basis points to 5.73%.
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:
1. The interest rate spread is the difference between the weighted average rate on loans and the weighted average rate on deposits.
2. For the calculation of the weighted average interest rate on all outstanding deposits, the overnight deposits are also taken into account.
3. Loans at a floating rate comprise also loans with an initial rate fixation period of up to one year.
4. 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 August 2025 will be published on 1 October 2025 according to the Advance release calendar on the Bank of Greece website.
Related links:
Bank deposit and loan interest rates
Advance release calendar