Key points
Commentary on this data is now incorporated into the Money and Credit statistical release to facilitate analysis.
Table A: Effective interest rates paid/received on individual's balances by UK MFIs (excluding central bank)
Per cent
Not seasonally adjusted
|
Outstanding |
New business |
|||||||
|---|---|---|---|---|---|---|---|---|
|
Sight deposits |
Time deposits |
Other loans |
Secured loans |
Time deposits |
Other loans |
Secured loans |
||
| 2024 | Oct | 2.11 | 3.86 | 8.35 | 3.78 | 4.16 | 8.85 | 4.61 |
| Nov | 2.21 | 3.80 | 8.50 | 3.80 | 4.02 | 8.96 | 4.50 | |
| Dec | 2.17 | 3.74 | 8.48 | 3.79 | 3.96 | 8.85 | 4.47 | |
| 2025 | Jan | 2.11 | 3.69 | 8.50 | 3.81 | 3.91 | 8.79 | 4.51 |
Table B: Effective interest rates paid/received on PNFC balances by UK MFIs (excluding central bank)
Per cent
Not seasonally adjusted
|
Outstanding |
New business |
|||||
|---|---|---|---|---|---|---|
|
Sight deposits |
Time deposits |
Loans |
Time deposits |
Loans |
||
| 2024 | Oct | 2.68 | 4.36 | 6.75 | 4.30 | 6.68 |
| Nov | 2.59 | 4.28 | 6.61 | 4.22 | 6.56 | |
| Dec | 2.58 | 4.19 | 6.58 | 4.21 | 6.29 | |
| 2025 | Jan | 2.57 | 4.15 | 6.51 | 4.09 | 6.47 |
Chart 1: Effective interest rates on individuals deposits
Per cent
Not seasonally adjusted
Chart 2: Effective interest rates on individuals loans
Per cent
Not seasonally adjusted
