The UnitPlus Overnight Deposit Index for Businesses
German SMEs lose nearly €2 billion annually due to withheld interest payments
In collaboration with Barkow Consulting – a leading financial
research and advisory firm – UnitPlus Business has developed the
first representative Corporate Cash Index in Germany.
The UnitPlus Corporate Cash Index provides a first-of-its-kind,
data-driven overview of the average interest rates paid on
corporate cash holdings over the past 20 years. It enables
companies to better evaluate and benchmark current interest rate
offers.
Business interest rates have been falling since September 2024
Current average interest rate on corporate overnight deposit accounts
As the European Central Bank (ECB) has cut interest rates multiple times – currently down to 2.00% – banks have continued to pass on less and less of these rates to their business clients.
Corporate cash interest rates at their lowest level since July 2023
UnitPlus Overnight Deposit Index for Businesses
Overnight deposits, Germany, interest rate, businesses, by month, in % p.a.
Source: BC Data, Barkow Consulting
Corporate overnight deposit interest rate at its lowest level since 10/23
UnitPlus Overnight Deposit Index for Businesses
Overnight deposits, Germany, interest rate, businesses, by month, in % p.a.
Source: BC Data, Barkow Consulting
Long-term trend
UnitPlus Overnight Deposit Index for Businesses
Overnight deposits vs €STR, Germany, interest rate, businesses & individuals, by month, in % p.a.
Source: BC Data, Barkow Consulting
Banks only pass on half of the interest rates to businesses
UnitPlus Overnight Deposit Index for Businesses
Overnight deposits vs €STR, Germany, interest rate, businesses & individuals, by month, in % p.a.
Source: BC Data, Barkow Consulting
Banks pass on only about half of possible interest earnings to businesses
A long-term view of the data shows that banks have only partially passed on rising interest rates to corporate clients since 2022. According to the UnitPlus Corporate Cash Index, German banks currently pass on just over 50% of the potential interest income to business customers. The rest remains with the banks as margin.
The UnitPlus Overnight Deposit Index for Businesses
Here you can download the complete study with additional information.
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Always optimally invested with UnitPlus Business
Does your business want to be optimally invested through every
interest rate environment and thus become independent of overnight
deposit offers? Then we have developed the right solution for your
business with UnitPlus Business. Achieve an annual interest yield of
2.60, which is significantly higher
than the average interest rate on overnight deposit accounts.
Deposits and withdrawals are fully flexible at any time, and as
special assets, the company’s capital is fully protected.
As of July 2025, before costs of 0.25%–0.4%
Den UnitPlus Tagesgeld-Index für Unternehmen herunterladen
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