ECB Official Interest Rates

When you hear about the ECB raising or lowering interest rates, this is where that actually happens. The data shows three key numbers the central bank uses to control money in the eurozone. Think of it like the ECB setting guardrails: banks can borrow at the upper rail (marginal lending facility), park money at the lower rail (deposit facility), or trade in between at the main rate. These three numbers ripple through every mortgage, savings account, and business loan across 20 countries. The dataset goes back to 1999, so you can see everything from the euro's launch through the financial crisis, the bizarre years of negative rates, and recent hiking cycles.

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