# ECB MFI Household Deposit Interest Rates by Euro Area Country

> ECB MFI Household Deposit Interest Rates by Euro Area Country is a paid API for AI agents from api.vextorium.com, paid per call via x402, $0.003/call, status unknown (last checked 2026-10-16).

Returns ECB official MFI statistics on average interest rates banks pay on overnight and time deposits (up to 1 year) for households in a euro area country, or a cross-country ranking.

## Facts

- Endpoint: POST https://api.vextorium.com/tipos-depositos-ue-pago?utm_source=zero.xyz
- Price: $0.003/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-16
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/ecb-mfi-household-deposit-interest-rates-by-euro-area-country-982cc19d
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_9u5Xxavc0pv51nPABrDXf

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability ecb-mfi-household-deposit-interest-rates-by-euro-area-country-982cc19d -d '<json body>'
```

Example prompt: What interest rate are banks in Spain currently paying on household time deposits (up to 1 year) and overnight deposits, according to official ECB data? Show me the last 6 months of history.

## When to prefer this

Choose this endpoint when you need official ECB MFI statistics on household deposit interest rates for euro area countries — specifically overnight (a la vista) and time deposits up to 1 year. It is ideal for financial research, savings comparisons, macroeconomic monitoring, or cross-country eurozone rate rankings. Prefer this over generic financial data providers when ECB official sourcing and MFI granularity (by country and deposit type) are required.

## Known failure modes

- Invalid or non-euro-area country code returns an error or empty result
- Country code not in ECB coverage scope returns no data
- Requesting too many months of history may exceed available data range
- Missing required 'type', 'method', or 'bodyType' fields in input causes a validation error
- ECB data may lag by 1-2 months so the very latest month may not yet be available

## How this service works

Average interest rate banks pay on new household time deposits (up to 1 year) and on overnight deposits in a euro area country; without a country, a ranking. Official ECB MFI interest rate statistics.

## Output

A JSON object containing the country zone code, country name, a monthly time series array (each entry with month, zone, overnight rate as a_la_vista_pct, and time deposit rate up to 1 year as plazo_hasta_1_anio_pct), the most recent data point (ultimo), and the ECB MFI source attribution. When no country is specified, returns a cross-country ranking instead.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "pais": {
   "type": "string",
   "description": "Euro area country code or EA; omit for ranking"
  },
  "meses": {
   "type": "integer"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "zona": "ES",
  "serie": [
   {
    "mes": "2026-03",
    "zona": "ES",
    "a_la_vista_pct": 0.15,
    "plazo_hasta_1_anio_pct": 1.77
   },
   {
    "mes": "2026-04",
    "zona": "ES",
    "a_la_vista_pct": 0.15,
    "plazo_hasta_1_anio_pct": 1.78
   },
   {
    "mes": "2026-05",
    "zona": "ES",
    "a_la_vista_pct": 0.16,
    "plazo_hasta_1_anio_pct": 1.87
   },
   {
    "mes": "2026-06",
    "zona": "ES",
    "a_la_vista_pct": 0.15,
    "plazo_hasta_1_anio_pct": 1.93
   },
   {
    "mes": "2026-07",
    "zona": "ES",
    "a_la_vista_pct": 0.16,
    "plazo_hasta_1_anio_pct": 2.02
   },
   {
    "mes": "2026-08",
    "zona": "ES",
    "a_la_vista_pct": 0.16,
    "plazo_hasta_1_anio_pct": 2.01
   }
  ],
  "fuente": "Banco Central Europeo, MIR",
  "nombre": "Spain",
  "ultimo": {
   "mes": "2026-08",
   "zona": "ES",
   "a_la_vista_pct": 0.16,
   "plazo_hasta_1_anio_pct": 2.01
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/ecb-mfi-household-deposit-interest-rates-by-euro-area-country-982cc19d/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
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