MONEY
ECB keeps key interest rates unchanged after June increase
On 23 July 2026 the ECB kept its three key rates at 2.25%, 2.40% and 2.65%.
SourceEuropean Central Bank ↗Source published: 2026-07-23
What happened?
The ECB kept the deposit facility at 2.25%, main refinancing operations at 2.40% and marginal lending facility at 2.65%. All three had been raised by 25 basis points in June 2026.
Why it matters
Advertised or historical rates should not be copied without checking. Your APR also depends on the product, term, credit profile and lender.
Which decisions may be affected?
Key rates shape financing conditions but are not your personal loan rate.
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