Latest euro-area bank lending & deposit rates

Code snippets

curl "https://api.oanor.com/bankrates-api/v1/rates" \
  -H "x-oanor-key: oanor_test_..."

await fetch("https://api.oanor.com/bankrates-api/v1/rates", {
  headers: { "x-oanor-key": "oanor_test_..." }
});

$ch = curl_init("https://api.oanor.com/bankrates-api/v1/rates");
curl_setopt($ch, CURLOPT_HTTPHEADER, ["x-oanor-key: oanor_test_..."]);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
$out = curl_exec($ch);

import requests
requests.get(
    "https://api.oanor.com/bankrates-api/v1/rates",
    headers={"x-oanor-key": "oanor_test_..."}
)

Example response

A real response from this endpoint, captured by the latest health check.

{
    "data": {
        "area": "Euro area",
        "note": "Euro-area new-business bank interest rates (ECB MIR 'cost of borrowing'). Values are percent per annum; change is versus the prior month.",
        "count": 4,
        "rates": [
            {
                "unit": "percent",
                "label": "Households – cost of borrowing for house purchase",
                "value": 3.44,
                "change": 0.09,
                "period": "2026-04",
                "indicator": "mortgage_rate"
            },
            {
                "unit": "percent",
                "label": "Households – cost of consumer credit",
                "value": 7.59,
                "change": 0.13,
                "period": "2026-04",
                "indicator": "consumer_credit_rate"
            },
            {
                "unit": "percent",
                "label": "Non-financial corporations – cost of borrowing",
                "value": 3.54,
                "change": 0.03,
                "period": "2026-04",
                "indicator": "business_loan_rate"
            },
            {
                "unit": "percent",
                "label": "Households – deposits with agreed maturity",
                "value": 1.91,
                "change": 0.05,
                "period": "2026-04",
                "indicator": "household_deposit_rate"
            }
        ],
        "source": "ECB",
        "category": "bank interest rates (MIR)"
    },
    "meta": {
        "timestamp": "2026-06-12T01:41:04.791Z",
        "request_id": "e13af91a-3778-4c07-a22e-b18263d8a90b"
    },
    "status": "ok",
    "message": "Rates retrieved successfully",
    "success": true
}