# Euro Area Bank Rates & Money Supply API > The interest rates euro-area households and businesses actually pay, and how fast the money supply is growing, read live from the European Central Bank's public Data Portal — no key, nothing stored. Policy rates are the headline, but what reaches the real economy is the bank lending rate: the cost of a new mortgage, a consumer loan, a business loan, and the rate paid on deposits. The rates endpoint returns the latest euro-area readings for all of these (the ECB MIR "cost of borrowing" series), each with its value, the month it refers to, the month-on-month change and a plain-language label. The moneysupply endpoint returns the annual growth of M1, M2 and M3 — the monetary aggregates whose expansion or contraction leads inflation and the credit cycle. The series endpoint returns the recent monthly history of any one indicator. This is the euro-area bank-rate / monetary-aggregate macro cut — distinct from the ECB policy-rate, yield-curve and €STR APIs, the FX-rate APIs and the country-specific central-bank APIs in the catalogue. All series are euro-area (U2), monthly, in percent. ## Authentication All requests require your oanor API key in the `x-oanor-key` header. Get one at https://www.oanor.com/developer/keys. ```bash curl -H "x-oanor-key: oanor_live_…" "https://api.oanor.com/bankrates-api/..." ``` ## Pricing - **Free** (Free) — 600 calls/Mo, 2 req/s - **Starter** ($9/Mo) — 15,500 calls/Mo, 6 req/s - **Pro** ($28/Mo) — 82,000 calls/Mo, 16 req/s - **Business** ($65/Mo) — 420,000 calls/Mo, 40 req/s ## Endpoints ### Bank Rates #### `GET /v1/moneysupply` — Annual growth of M1, M2 and M3 **Example:** ```bash curl -H "x-oanor-key: $KEY" \ "https://api.oanor.com/bankrates-api/v1/moneysupply" ``` **Response:** ```json { "data": { "area": "Euro area", "note": "Annual growth of the euro-area monetary aggregates M1, M2, M3 (ECB BSI). M3 growth leads inflation and the credit cycle.", "count": 3, "source": "ECB", "category": "monetary aggregates (BSI)", "aggregates": [ { "unit": "percent", "label": "M1 money supply, annual growth", "value": 3.8, "change": -0.9, "period": "2026-04", "indicator": "m1_growth" }, { "unit": "percent", "label": "M2 money supply, annual growth", "value": 2.87, "change": -0.31, "period": "2026-04", "indicator": "m2_growth" }, { "unit": "percent", "label": "M3 money supply, annual growth", "value": 2.74, "change": -0.5, "period": "2026-04", "indicator": "m3_growth" } ] }, "meta": { "timestamp": "2026-06-12T01:41:04.707Z", "request_id": "2a427198-90f1-4667-9f49-d5750beaa8a4" }, "status": "ok", "message": "Money supply retrieved successfully", "success": true } ``` #### `GET /v1/rates` — Latest euro-area bank lending & deposit rates **Example:** ```bash curl -H "x-oanor-key: $KEY" \ "https://api.oanor.com/bankrates-api/v1/rates" ``` **Response:** ```json { "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": { …(truncated, see openapi.json for full schema) ``` #### `GET /v1/series` — Recent monthly history of one indicator **Parameters:** - `indicator` (query, required, string) — Indicator id Example: `mortgage_rate` - `months` (query, optional, string) — Months of history (1-240, default 24) Example: `24` **Example:** ```bash curl -H "x-oanor-key: $KEY" \ "https://api.oanor.com/bankrates-api/v1/series?indicator=mortgage_rate&months=24" ``` **Response:** ```json { "data": { "unit": "percent", "count": 24, "label": "Households – cost of borrowing for house purchase", "source": "ECB", "history": [ { "value": 3.81, "period": "2024-05" }, { "value": 3.78, "period": "2024-06" }, { "value": 3.75, "period": "2024-07" }, { "value": 3.73, "period": "2024-08" }, { "value": 3.64, "period": "2024-09" }, { "value": 3.55, "period": "2024-10" }, { "value": 3.47, "period": "2024-11" }, { "value": 3.39, "period": "2024-12" }, { "value": 3.25, "period": "2025-01" }, { "value": 3.33, "period": "2025-02" }, { "value": 3.32, "period": "2025-03" }, { "value": 3.27, "period": "2025-04" }, { "value": 3.3, "period": "2025-05" }, { "value": 3.3, "period": " …(truncated, see openapi.json for full schema) ``` ### Meta #### `GET /v1/meta` — Spec **Example:** ```bash curl -H "x-oanor-key: $KEY" \ "https://api.oanor.com/bankrates-api/v1/meta" ``` **Response:** ```json { "data": { "note": "rates and moneysupply take no parameters. series takes indicator= and months=N (1-240, default 24). All series are euro-area (U2), monthly, percent. Monthly data is briefly cached to protect the shared upstream.", "source": "ECB Data Portal (data-api.ecb.europa.eu, MIR & BSI, monthly, live)", "service": "bankrates-api", "endpoints": { "GET /v1/meta": "This document.", "GET /v1/rates": "Latest euro-area bank lending & deposit rates (mortgage, consumer, business, deposit).", "GET /v1/series": "Recent history of one indicator (indicator=mortgage_rate, months=24).", "GET /v1/moneysupply": "Annual growth of M1, M2 and M3." }, "indicators": [ "mortgage_rate", "consumer_credit_rate", "business_loan_rate", "household_deposit_rate", "m1_growth", "m2_growth", "m3_growth" ], "description": "Euro-area bank lending/deposit rates and money-supply growth from the ECB Data Portal (no key, nothing stored). rates returns the latest euro-area mortgage, consumer-credit, business-loan and household-deposit rates (ECB MIR cost of borrowing). moneysupply returns the annual growth of M1, M2 and M3. series returns the recent history of any one indicator. The euro-area bank-rate / monetary-aggregate macro cut — distinct from the ECB policy-rate, yield-curve an …(truncated, see openapi.json for full schema) ``` --- Marketplace page: https://www.oanor.com/api/bankrates-api OpenAPI spec: https://www.oanor.com/api/bankrates-api/openapi.json