# EU Deposit Rates (ECB MFI Statistics)

> EU Deposit Rates (ECB MFI Statistics) is a paid API for AI agents from api.vextorium.com, paid per call via x402, $0.003/call, status unknown (last checked 2026-10-15).

Returns the average interest rates banks pay on new household time deposits (up to 1 year) and overnight deposits in a euro area country, or a ranking across countries, sourced from official ECB MFI statistics.

## Facts

- Endpoint: POST https://api.vextorium.com/v1/eu-deposit-rates?utm_source=zero.xyz
- Price: $0.003/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/eu-deposit-rates-ecb-mfi-statistics-3d833a07
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_QvxIDDvO2gItnmiUqmk3G

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 eu-deposit-rates-ecb-mfi-statistics-3d833a07 -d '<json body>'
```

Example prompt: What interest rate are banks in Spain currently paying on household overnight deposits and time deposits up to 1 year? Give me the last 6 months of data based on ECB MFI statistics.

## When to prefer this

Use this endpoint when you need official ECB-sourced interest rate data on what banks pay depositors in the euro area — specifically household overnight or short-term (up to 1 year) deposit rates by country. Prefer this over general financial data APIs when you need authoritative MFI statistics, country-level eurozone comparisons, or historical monthly series for banking/savings rate analysis.

## Known failure modes

- Invalid or unsupported country code returns empty or error response
- Country code not in euro area returns no data
- Requesting too many months may return partial series if ECB data is unavailable for early periods
- Missing required 'type', 'method', or 'bodyType' fields in input object causes validation error
- ECB source data may lag by 1-2 months, so very recent months may be absent

## 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

Returns a JSON object with: the country name and zone code, the most recent month's overnight and term deposit rates (as percentages), and a historical time series array of monthly rate readings — both overnight and up to 1 year term — all sourced from the ECB MFI Interest Rate (MIR) dataset.

## Request schema (JSON Schema)

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

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "last": {
   "zone": "ES",
   "month": "2026-08",
   "overnight_pct": 0.16,
   "term_up_to_1_year_pct": 2.01
  },
  "name": "Spain",
  "zone": "ES",
  "series": [
   {
    "zone": "ES",
    "month": "2026-03",
    "overnight_pct": 0.15,
    "term_up_to_1_year_pct": 1.77
   },
   {
    "zone": "ES",
    "month": "2026-04",
    "overnight_pct": 0.15,
    "term_up_to_1_year_pct": 1.78
   }
  ],
  "source": "European Central Bank, MIR"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/eu-deposit-rates-ecb-mfi-statistics-3d833a07/health.json
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