{"openapi":"3.1.0","info":{"title":"Euro Area Bank Rates & Money Supply API","version":"1.0.0","description":"The interest rates euro-area households and businesses actually pay, and how fast the money supply is growing, read live from the European Central Bank's public Data Portal — no key, nothing stored. Policy rates are the headline, but what reaches the real economy is the bank lending rate: the cost of a new mortgage, a consumer loan, a business loan, and the rate paid on deposits. The rates endpoint returns the latest euro-area readings for all of these (the ECB MIR \"cost of borrowing\" series), each with its value, the month it refers to, the month-on-month change and a plain-language label. The moneysupply endpoint returns the annual growth of M1, M2 and M3 — the monetary aggregates whose expansion or contraction leads inflation and the credit cycle. The series endpoint returns the recent monthly history of any one indicator. This is the euro-area bank-rate / monetary-aggregate macro cut — distinct from the ECB policy-rate, yield-curve and €STR APIs, the FX-rate APIs and the country-specific central-bank APIs in the catalogue. All series are euro-area (U2), monthly, in percent.","contact":{"name":"PremiumApi","url":"https://www.oanor.com/by/premiumapi"}},"servers":[{"url":"https://api.oanor.com/bankrates-api","description":"oanor gateway"}],"tags":[{"name":"Bank Rates"},{"name":"Meta"}],"components":{"securitySchemes":{"oanorKey":{"type":"apiKey","in":"header","name":"x-oanor-key","description":"Get your key at https://www.oanor.com/developer/keys"}}},"security":[{"oanorKey":[]}],"paths":{"/v1/moneysupply":{"get":{"operationId":"get_v1_moneysupply","tags":["Bank Rates"],"summary":"Annual growth of M1, M2 and M3","description":"","parameters":[],"security":[{"oanorKey":[]}],"responses":{"200":{"description":"OK","content":{"application/json":{"example":{"data":{"area":"Euro area","note":"Annual growth of the euro-area monetary aggregates M1, M2, M3 (ECB BSI). M3 growth leads inflation and the credit cycle.","count":3,"source":"ECB","category":"monetary aggregates (BSI)","aggregates":[{"unit":"percent","label":"M1 money supply, annual growth","value":3.8,"change":-0.9,"period":"2026-04","indicator":"m1_growth"},{"unit":"percent","label":"M2 money supply, annual growth","value":2.87,"change":-0.31,"period":"2026-04","indicator":"m2_growth"},{"unit":"percent","label":"M3 money supply, annual growth","value":2.74,"change":-0.5,"period":"2026-04","indicator":"m3_growth"}]},"meta":{"timestamp":"2026-06-12T01:41:04.707Z","request_id":"2a427198-90f1-4667-9f49-d5750beaa8a4"},"status":"ok","message":"Money supply retrieved successfully","success":true}}}},"401":{"description":"Missing or invalid x-oanor-key header"},"402":{"description":"Active subscription required"},"429":{"description":"Rate-limit or monthly quota reached"},"502":{"description":"Upstream did not respond"}}}},"/v1/rates":{"get":{"operationId":"get_v1_rates","tags":["Bank Rates"],"summary":"Latest euro-area bank lending & deposit rates","description":"","parameters":[],"security":[{"oanorKey":[]}],"responses":{"200":{"description":"OK","content":{"application/json":{"example":{"data":{"area":"Euro area","note":"Euro-area new-business bank interest rates (ECB MIR 'cost of borrowing'). Values are percent per annum; change is versus the prior month.","count":4,"rates":[{"unit":"percent","label":"Households – cost of borrowing for house purchase","value":3.44,"change":0.09,"period":"2026-04","indicator":"mortgage_rate"},{"unit":"percent","label":"Households – cost of consumer credit","value":7.59,"change":0.13,"period":"2026-04","indicator":"consumer_credit_rate"},{"unit":"percent","label":"Non-financial corporations – cost of borrowing","value":3.54,"change":0.03,"period":"2026-04","indicator":"business_loan_rate"},{"unit":"percent","label":"Households – deposits with agreed maturity","value":1.91,"change":0.05,"period":"2026-04","indicator":"household_deposit_rate"}],"source":"ECB","category":"bank interest rates (MIR)"},"meta":{"timestamp":"2026-06-12T01:41:04.791Z","request_id":"e13af91a-3778-4c07-a22e-b18263d8a90b"},"status":"ok","message":"Rates retrieved successfully","success":true}}}},"401":{"description":"Missing or invalid x-oanor-key header"},"402":{"description":"Active subscription required"},"429":{"description":"Rate-limit or monthly quota reached"},"502":{"description":"Upstream did not respond"}}}},"/v1/series":{"get":{"operationId":"get_v1_series","tags":["Bank Rates"],"summary":"Recent monthly history of one indicator","description":"","parameters":[{"name":"indicator","in":"query","required":true,"description":"Indicator id","schema":{"type":"string"},"example":"mortgage_rate"},{"name":"months","in":"query","required":false,"description":"Months of history (1-240, default 24)","schema":{"type":"string"},"example":"24"}],"security":[{"oanorKey":[]}],"responses":{"200":{"description":"OK","content":{"application/json":{"example":{"data":{"unit":"percent","count":24,"label":"Households – cost of borrowing for house purchase","source":"ECB","history":[{"value":3.81,"period":"2024-05"},{"value":3.78,"period":"2024-06"},{"value":3.75,"period":"2024-07"},{"value":3.73,"period":"2024-08"},{"value":3.64,"period":"2024-09"},{"value":3.55,"period":"2024-10"},{"value":3.47,"period":"2024-11"},{"value":3.39,"period":"2024-12"},{"value":3.25,"period":"2025-01"},{"value":3.33,"period":"2025-02"},{"value":3.32,"period":"2025-03"},{"value":3.27,"period":"2025-04"},{"value":3.3,"period":"2025-05"},{"value":3.3,"period":"2025-06"},{"value":3.28,"period":"2025-07"},{"value":3.31,"period":"2025-08"},{"value":3.31,"period":"2025-09"},{"value":3.31,"period":"2025-10"},{"value":3.3,"period":"2025-11"},{"value":3.32,"period":"2025-12"},{"value":3.35,"period":"2026-01"},{"value":3.37,"period":"2026-02"},{"value":3.35,"period":"2026-03"},{"value":3.44,"period":"2026-04"}],"indicator":"mortgage_rate"},"meta":{"timestamp":"2026-06-12T01:41:04.869Z","request_id":"e8035431-2de3-43df-b868-d638e31aace3"},"status":"ok","message":"Series retrieved successfully","success":true}}}},"401":{"description":"Missing or invalid x-oanor-key header"},"402":{"description":"Active subscription required"},"429":{"description":"Rate-limit or monthly quota reached"},"502":{"description":"Upstream did not respond"}}}},"/v1/meta":{"get":{"operationId":"get_v1_meta","tags":["Meta"],"summary":"Spec","description":"","parameters":[],"security":[{"oanorKey":[]}],"responses":{"200":{"description":"OK","content":{"application/json":{"example":{"data":{"note":"rates and moneysupply take no parameters. series takes indicator=<one of the listed ids> and months=N (1-240, default 24). All series are euro-area (U2), monthly, percent. Monthly data is briefly cached to protect the shared upstream.","source":"ECB Data Portal (data-api.ecb.europa.eu, MIR & BSI, monthly, live)","service":"bankrates-api","endpoints":{"GET /v1/meta":"This document.","GET /v1/rates":"Latest euro-area bank lending & deposit rates (mortgage, consumer, business, deposit).","GET /v1/series":"Recent history of one indicator (indicator=mortgage_rate, months=24).","GET /v1/moneysupply":"Annual growth of M1, M2 and M3."},"indicators":["mortgage_rate","consumer_credit_rate","business_loan_rate","household_deposit_rate","m1_growth","m2_growth","m3_growth"],"description":"Euro-area bank lending/deposit rates and money-supply growth from the ECB Data Portal (no key, nothing stored). rates returns the latest euro-area mortgage, consumer-credit, business-loan and household-deposit rates (ECB MIR cost of borrowing). moneysupply returns the annual growth of M1, M2 and M3. series returns the recent history of any one indicator. The euro-area bank-rate / monetary-aggregate macro cut — distinct from the ECB policy-rate, yield-curve and €STR APIs, the FX-rate APIs and the country-specific central-bank APIs.","upstream_status":"ok","euro_mortgage_rate":3.44},"meta":{"timestamp":"2026-06-12T01:41:04.920Z","request_id":"11e1ff21-b9c8-40a3-ab45-04ee9398a953"},"status":"ok","message":"Meta","success":true}}}},"401":{"description":"Missing or invalid x-oanor-key header"},"402":{"description":"Active subscription required"},"429":{"description":"Rate-limit or monthly quota reached"},"502":{"description":"Upstream did not respond"}}}}},"x-oanor-pricing":[{"slug":"free","name":"Free","price_cents_month":0,"monthly_call_quota":600,"rps_limit":2,"hard_limit":true},{"slug":"starter","name":"Starter","price_cents_month":888,"monthly_call_quota":15500,"rps_limit":6,"hard_limit":true},{"slug":"pro","name":"Pro","price_cents_month":2766,"monthly_call_quota":82000,"rps_limit":16,"hard_limit":true},{"slug":"business","name":"Business","price_cents_month":6540,"monthly_call_quota":420000,"rps_limit":40,"hard_limit":true}],"x-oanor-marketplace-url":"https://www.oanor.com/api/bankrates-api"}