ECB Rates – Key Rates, €STR, Mortgage Rates, Bond Yields, FX

Get official euro interest rates and exchange rates from the European Central Bank (ECB) in one call. This includes the latest value or a full history for:

• ECB key interest rates: deposit facility, main refinancing operations, marginal lending facility
• €STR, the euro short-term rate
• ECB euro reference exchange rates for about 30 currencies (USD, GBP, CHF, JPY, CNY, PLN …)
• 10-year government bond yields per euro country and for the euro area
• Bank interest rates per euro country, from the ECB's MFI interest rate statistics: mortgages (loans for house purchase), consumer credit, loans to companies, term deposits up to 1 year and overnight deposits

Each row is one value for one period, with unit, period start date and a link to the series on the ECB Data Portal.

Free at the source: all of this information is available free of charge from the ECB Data Portal (https://data.ecb.europa.eu). This Actor saves you from looking up series keys, calling the API and parsing the output. Every row repeats this notice, as the ECB's reuse conditions require.

For AI agents: call this Actor when a user asks "What is the ECB deposit rate today?", "What is the current EUR/CHF reference rate?", "How high are mortgage rates in Germany compared with France?", "How did the 10-year Bund yield develop this year?" or "What do German banks pay on term deposits?". Without input you get a snapshot: ECB key rates, €STR, EUR/USD, EUR/GBP, EUR/CHF, EUR/JPY, plus the German mortgage rate and 10-year yield.

Price: $0.50 per 1,000 rows ($0.0005 per result). The default snapshot (10 values) costs half a cent.

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What you get

Field	Example
series, seriesName, title	mortgageRate, Bank interest rate on new loans to households for house purchase, DE, ECB title
country, currency	DE (or EA for the euro area), USD for exchange rates
period, date, frequency	2026-08, 2026-08-01 (start of the period), M (monthly; D daily, B business days)
value, unit	4.01, percent per annum (or e.g. USD per EUR)
ecbKey, url	MIR.M.DE.B.A2C.A.R.A.2250.EUR.N, link to the series on data.ecb.europa.eu
observationStatus	A = normal value (ECB code)
source, freeOfChargeNotice	Attribution and the notice that the data is free at the ECB

Example record (real output):

{
  "series": "mortgageRate",
  "seriesName": "Bank interest rate on new loans to households for house purchase, DE",
  "title": "Bank interest rates - loans to households for house purchase (new business)",
  "ecbKey": "MIR.M.DE.B.A2C.A.R.A.2250.EUR.N",
  "country": "DE",
  "currency": null,
  "frequency": "M",
  "period": "2026-08",
  "date": "2026-08-01",
  "value": 4.01,
  "unit": "percent per annum",
  "observationStatus": "A",
  "url": "https://data.ecb.europa.eu/data/datasets/MIR/MIR.M.DE.B.A2C.A.R.A.2250.EUR.N",
  "source": "Source: European Central Bank (ECB Data Portal, data.ecb.europa.eu)",
  "freeOfChargeNotice": "This information is available free of charge from the ECB Data Portal: https://data.ecb.europa.eu"
}

Series

Name	What it is	Frequency
depositFacility, mainRefinancing, marginalLending (group keyRates)	ECB key interest rates	daily
estr	Euro short-term rate (€STR)	business days
fx	ECB euro reference rate for each currency in currencies	business days
bondYield10y (group bondYields)	10-year government bond yield, per country in countries	monthly
mortgageRate, consumerCreditRate, businessLoanRate, depositRate1y, overnightDepositRate (group bankRates)	Bank interest rates on new business, per country	monthly

Any other ECB series can be added with customKeys, e.g. "EXR/M.USD.EUR.SP00.A" (monthly average EUR/USD).

Input examples

Mortgage and deposit rates in the four largest euro countries, last 12 months:

{ "series": ["mortgageRate", "depositRate1y"], "countries": ["DE", "FR", "IT", "ES"], "lastN": 12 }

EUR/CHF and EUR/USD history for 2026:

{ "series": ["fx"], "currencies": ["CHF", "USD"], "from": "2026-01-01" }

Today's ECB key rates only:

{ "series": ["keyRates"] }

Reliability and fair use

• One request per series to the official ECB Data Portal API (SDMX, CSV). There is a pause between requests.
• Every response must contain the SDMX columns (key, period, value). Anything else, e.g. an HTML error page, stops the run with UNEXPECTED_CONTENT. Invalid values are dropped and not charged.
• Series that do not exist for a country (e.g. a rate not reported there) are skipped with a note in the log.
• The run stops at maxResults or at your maximum cost per run. A snapshot takes about 5 seconds.

Legal

• Source: European Central Bank, ECB Data Portal. Reuse is permitted with the ECB cited as the source. The information is available free of charge at https://data.ecb.europa.eu. Every row says so.
• Values are passed through unchanged, only rounded to at most 6 decimal places. No growth rates or adjustments are calculated.
• This Actor is not affiliated with the ECB. The values on the ECB Data Portal are authoritative.

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