{"id":2145319,"date":"2026-09-15T04:01:34","date_gmt":"2026-09-15T01:01:34","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=2145319"},"modified":"2026-09-15T04:01:34","modified_gmt":"2026-09-15T01:01:34","slug":"trillions-sitting-idle-heres-how-much-money-europeans-are-losing-on-savings","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=2145319","title":{"rendered":"Trillions sitting idle: Here&#8217;s how much money Europeans are losing on savings"},"content":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;https:\/\/images.euronews.com\/articles\/stories\/09\/91\/02\/23\/1200x675_cmsv2_d3ff81ae-5357-58b3-af35-f0ede9e4d2ab-9910223.jpg&#8221;]<\/p>\n<article id=\"abe-2925857-pos1-c-latest-stories\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1\" data-nid=\"2925857\" data-cid=\"9914155\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925857-label-pos1-c-latest-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/41\/55\/189x106_cmsv2_0bdc25d8-7230-5654-8fcf-7841d6249974-9914155.jpg\" loading=\"lazy\" alt=\"Numerous trains were cancelled as train travel was disrupted in some central regions of the Netherlands.\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Europe News<\/p>\n<div class=\"the-media-object__title  \">\n<p>    Suspected sabotage brings Dutch rail network to a standstill\n  <\/p><\/div>\n<\/div>\n<\/article>\n<article id=\"abe-2925864-pos2-c-latest-stories\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1 the-media-object--has-video\" data-nid=\"2925864\" data-cid=\"9914210\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925864-label-pos2-c-latest-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/42\/10\/189x106_cmsv2_339da568-6d44-53f0-98ab-59ffaaeed62c-9914210.jpg\" loading=\"lazy\" alt=\"Latest news bulletin | September 15th, 2026 \u2013 Midday\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Top News Stories Today<\/p>\n<div class=\"the-media-object__title  \">\n<p>    Latest news bulletin | September 15th, 2026 \u2013 Midday\n  <\/p><\/div>\n<\/div>\n<\/article>\n<article id=\"abe-2925829-pos3-c-latest-stories\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1\" data-nid=\"2925829\" data-cid=\"9914003\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925829-label-pos3-c-latest-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/40\/03\/189x106_cmsv2_5a4f98d4-f951-5cf2-b5a4-4b787550de42-9914003.jpg\" loading=\"lazy\" alt=\"Arab Media Summit in Dubai\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Europe News<\/p>\n<div class=\"the-media-object__title  \"><span class=\"c-article-title__prefix--grey\">Euroviews. <\/span><\/p>\n<p>    Twenty-five years on, Dubai&#8217;s media bet has become a global platform\n  <\/p><\/div>\n<\/div>\n<\/article>\n<article id=\"abe-2925787-pos4-c-latest-stories\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1 the-media-object--has-video\" data-nid=\"2925787\" data-cid=\"9913697\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925787-label-pos4-c-latest-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/36\/97\/189x106_cmsv2_28ba15a2-42c1-5329-a342-710f1d7ebc09-9913697.jpg\" loading=\"lazy\" alt=\"Brando Benifei, MEP (Socialists &amp; Democrats)\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Europe Today<\/p>\n<div class=\"the-media-object__title  \">\n<p>    TEU has &#8216;the power&#8217; to lead on &#8216;global treaty on AI&#8217;, says MEP\n  <\/p><\/div>\n<\/div>\n<\/article>\n<article id=\"abe-2925857-pos1-c-latest-stories-sidebar\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2\" data-nid=\"2925857\" data-cid=\"9914155\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925857-label-pos1-c-latest-stories-sidebar\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/41\/55\/189x106_cmsv2_0bdc25d8-7230-5654-8fcf-7841d6249974-9914155.jpg\" loading=\"lazy\" alt=\"Numerous trains were cancelled as train travel was disrupted in some central regions of the Netherlands.\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Europe News<\/p>\n<div class=\"the-media-object__title  \">\n<p>    Suspected sabotage brings Dutch rail network to a standstill\n  <\/p><\/div>\n<\/div>\n<\/article>\n<article id=\"abe-2925864-pos2-c-latest-stories-sidebar\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--has-video\" data-nid=\"2925864\" data-cid=\"9914210\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925864-label-pos2-c-latest-stories-sidebar\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/42\/10\/189x106_cmsv2_339da568-6d44-53f0-98ab-59ffaaeed62c-9914210.jpg\" loading=\"lazy\" alt=\"Latest news bulletin | September 15th, 2026 \u2013 Midday\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Top News Stories Today<\/p>\n<div class=\"the-media-object__title  \">\n<p>    Latest news bulletin | September 15th, 2026 \u2013 Midday\n  <\/p><\/div>\n<\/div>\n<\/article>\n<article id=\"abe-2925829-pos3-c-latest-stories-sidebar\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2\" data-nid=\"2925829\" data-cid=\"9914003\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925829-label-pos3-c-latest-stories-sidebar\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/40\/03\/189x106_cmsv2_5a4f98d4-f951-5cf2-b5a4-4b787550de42-9914003.jpg\" loading=\"lazy\" alt=\"Arab Media Summit in Dubai\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Europe News<\/p>\n<div class=\"the-media-object__title  \"><span class=\"c-article-title__prefix--grey\">Euroviews. <\/span><\/p>\n<p>    Twenty-five years on, Dubai&#8217;s media bet has become a global platform\n  <\/p><\/div>\n<\/div>\n<\/article>\n<article id=\"abe-2925787-pos4-c-latest-stories-sidebar\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--has-video\" data-nid=\"2925787\" data-cid=\"9913697\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925787-label-pos4-c-latest-stories-sidebar\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/36\/97\/189x106_cmsv2_28ba15a2-42c1-5329-a342-710f1d7ebc09-9913697.jpg\" loading=\"lazy\" alt=\"Brando Benifei, MEP (Socialists &amp; Democrats)\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Europe Today<\/p>\n<div class=\"the-media-object__title  \">\n<p>    TEU has &#8216;the power&#8217; to lead on &#8216;global treaty on AI&#8217;, says MEP\n  <\/p><\/div>\n<\/div>\n<\/article>\n<article class=\"helper-site-row o-article-newsy\">\n<div class=\"helper-site-container o-article-newsy__container\">\n<div class=\"o-article-newsy__main\">\n<header class=\"h-grid o-article-newsy__main__header\">\n<nav aria-label=\"Breadcrumbs\" class=\"c-article-breadcrumbs\">\n<div id=\"adb-article-breadcrumb\" class=\"c-article-breadcrumbs__list\">\n<p>                          Business<\/p>\n<p>                          Business<\/p><\/div>\n<\/nav>\n<h1 class=\"c-article-redesign-title\">\n                            Trillions sitting idle: Here&#8217;s how much money Europeans are losing on savings<\/h1>\n<div class=\"c-article-image-video u-position-relative \">\n<div class=\"js-superdiv u-aspect-ratio-16x9 u-position-relative \" data-controller=\"video-player\" data-sponsored=\"Partner content\"><img fetchpriority=\"high\" decoding=\"async\" class=\"js-poster-img c-article-media__img\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/02\/23\/1536x864_cmsv2_d3ff81ae-5357-58b3-af35-f0ede9e4d2ab-9910223.jpg\" width=\"1536\" height=\"864\" loading=\"eager\" alt=\"FILE. European Commissioner for Financial Services and the Savings and Investments Union Maria Lu\u00eds Albuquerque speaks during a media conference in Brussels, March 2025\"><\/div>\n<div class=\"c-article-caption u-position-absolute\"><i id=\"article-caption-content\" class=\"c-article-caption__content\"><span class=\"c-article-caption__text\"><br \/>\n              FILE. European Commissioner for Financial Services and the Savings and Investments Union Maria Lu\u00eds Albuquerque speaks during a media conference in Brussels, March 2025<br \/>\n                    <span class=\"u-color-white\">&#8211;\u00a0<\/span><span class=\"c-article-caption__copyright\">Copyright\u00a0<\/span><span class=\"c-article-caption__credit\">AP Photo\/Virginia Mayo<\/span><\/span><\/i><\/div>\n<div class=\"c-article-image-copyright c-article-image-copyright--novideo\">\n      Copyright\u00a0AP Photo\/Virginia Mayo\n  <\/div>\n<\/div>\n<\/header>\n<div class=\"h-grid o-article-newsy__main__body u-article-content\">\n<div class=\"o-article-newsy__contributors-publication-date\">\n<div class=\"c-article-contributors\">\n  By&amp;nbspQuirino Mealha\n<\/div>\n<div class=\"c-article-publication-date\" data-timestamp=\"1789444894\">\n                    Published on                 <time datetime=\"2026-09-15 06:01:34 +02:00\">15\/09\/2026 &#8211; 6:01 GMT+2<\/time><span class=\"c-article-publication-date__bullet\">\u2022<\/span>Updated<br \/>\n                                     <time datetime=\"11:07\">11:07<\/time><\/div>\n<\/div>\n<div class=\"c-article-share-comment u-align-items-center u-display-flex\"><span class=\"c-article-share-comment__links u-align-items-center u-display-flex u-justify-content-center js-c-article-share-comment-share\"><span class=\"c-article-share-comment__label\">Share<\/span><\/span><span class=\"c-article-share-comment__label\">Comments<\/span><span class=\"c-article-share-comment__label c-article-share-comment__label--always\">Add Euronews on Google<\/span><\/div>\n<div class=\"c-article-share-comment-popup-overlay js-c-article-share-comment-popup-overlay u-display-none\">\n<div id=\"js-c-article-share-comment-popup\" class=\"c-article-share-comment-popup js-c-article-share-comment-popup\">\n<div class=\"c-article-share-comment-popup__header u-display-flex\"><span>Share<\/span><img decoding=\"async\" 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class=\"u-display-flex u-gap-1 u-show-for-mobile-only\"><img decoding=\"async\" src=\"https:\/\/static.euronews.com\/website\/images\/vector\/social-icons\/article-redesign-telegram.svg\" width=\"24\" height=\"24\" alt=\"telegram\" loading=\"lazy\"><span>Telegram<\/span><\/span><img decoding=\"async\" src=\"https:\/\/static.euronews.com\/website\/images\/vector\/social-icons\/article-redesign-telegram.svg\" width=\"48\" height=\"48\" alt=\"telegram\" class=\"u-show-for-desktop\" loading=\"lazy\"><span class=\"u-display-flex u-gap-1 u-show-for-mobile-only\"><img decoding=\"async\" src=\"https:\/\/static.euronews.com\/website\/images\/vector\/social-icons\/article-redesign-vk.svg\" width=\"24\" height=\"24\" alt=\"vk\" loading=\"lazy\"><span>VK<\/span><\/span><img decoding=\"async\" src=\"https:\/\/static.euronews.com\/website\/images\/vector\/social-icons\/article-redesign-vk.svg\" width=\"48\" height=\"48\" alt=\"vk\" class=\"u-show-for-desktop\" loading=\"lazy\"><span class=\"u-display-flex u-gap-1 u-show-for-mobile-only\"><img decoding=\"async\" src=\"https:\/\/static.euronews.com\/website\/images\/vector\/social-icons\/article-redesign-bluesky.svg\" width=\"24\" height=\"24\" alt=\"bluesky\" loading=\"lazy\"><span>Bluesky<\/span><\/span><img decoding=\"async\" src=\"https:\/\/static.euronews.com\/website\/images\/vector\/social-icons\/article-redesign-bluesky.svg\" width=\"48\" height=\"48\" alt=\"bluesky\" class=\"u-show-for-desktop\" loading=\"lazy\"><span class=\"u-display-flex u-gap-1 u-show-for-mobile-only\"><img decoding=\"async\" src=\"https:\/\/static.euronews.com\/website\/images\/vector\/social-icons\/article-redesign-threads.svg\" width=\"24\" height=\"24\" alt=\"threads\" loading=\"lazy\"><span>Threads<\/span><\/span><img decoding=\"async\" src=\"https:\/\/static.euronews.com\/website\/images\/vector\/social-icons\/article-redesign-threads.svg\" width=\"48\" height=\"48\" alt=\"threads\" class=\"u-show-for-desktop\" loading=\"lazy\"><span class=\"u-display-flex u-gap-1 u-show-for-mobile-only\"><img decoding=\"async\" src=\"https:\/\/static.euronews.com\/website\/images\/vector\/social-icons\/article-redesign-whatsapp.svg\" width=\"24\" height=\"24\" alt=\"whatsapp\" loading=\"lazy\"><span>Whatsapp<\/span><\/span><img decoding=\"async\" src=\"https:\/\/static.euronews.com\/website\/images\/vector\/social-icons\/article-redesign-whatsapp.svg\" width=\"48\" height=\"48\" alt=\"whatsapp\" class=\"u-show-for-desktop\" loading=\"lazy\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"c-article-summary\">\n        Europeans are losing an average of \u20ac294 in purchasing power for every \u20ac10,000 they keep in the bank, according to a study from Revolut, which found \u20ac6.3 trillion sitting in low-yield deposits across 20 EU countries at a moment when Brussels is trying to push that money into capital markets.<br \/>\n    <\/h2>\n<div class=\"c-article-content c-article-content--business js-article-content\">\n<p>Doing nothing with your savings has a price, and new figures put a number on it.<\/p>\n<div>\n<div class=\"c-ad u-show-for-mobile-only\">\n<div class=\"c-ad__placeholder\"><img decoding=\"async\" class=\"c-ad__placeholder__logo\" src=\"https:\/\/static.euronews.com\/website\/images\/logos\/logo-euronews-stacked-outlined-72x72-grey-9.svg\" width=\"72\" height=\"72\" alt loading=\"lazy\"><span>ADVERTISEMENT<\/span><\/div>\n<\/div>\n<div class=\"c-ad u-show-for-desktop\">\n<div class=\"c-ad__placeholder\"><img decoding=\"async\" class=\"c-ad__placeholder__logo\" src=\"https:\/\/static.euronews.com\/website\/images\/logos\/logo-euronews-stacked-outlined-72x72-grey-9.svg\" width=\"72\" height=\"72\" alt loading=\"lazy\"><span>ADVERTISEMENT<\/span><\/div>\n<\/div>\n<\/div>\n<p>Revolut published its European Wealth Drain Index last week, combining a survey of 20,007 adults across 20 member states with official deposit and inflation data, and the picture it paints is of a continent whose households are quietly getting poorer while sitting on their money.<\/p>\n<p>In 12 of the 20 markets included in the study, average one-year deposit rates fail to keep pace with inflation.<\/p>\n<p>Across the sample, deposits pay an average of 2.76% against inflation of 2.94%, meaning even savers who lock their money away are losing ground in real terms.<\/p>\n<h2>Inertia, confusion and app fatigue<\/h2>\n<p>The opportunity cost is larger than the inflation loss.<\/p>\n<p>Benchmarked against the MSCI Europe ETF&#8217;s ten-year annualised return of 9.06%, Revolut calculates households forgo an average of \u20ac638 per \u20ac10,000 each year by staying in cash.<\/p>\n<p>Scaled across the \u20ac6.3 trillion, that amounts to \u20ac422 billion a year in growth capital not reaching European businesses.<\/p>\n<p>Why savers stay put comes down to three things.<\/p>\n<p>Two-thirds have never switched banks for a better rate, with 26% saying they simply prefer their existing bank, 18% considering the difference negligible and 15% not knowing where to look.<\/p>\n<p>Nearly half, 46%, misjudge their inflation-adjusted returns, and 19% are unaware inflation affects their cash at all. Over half use multiple financial apps, and among those, 45% say the fragmentation actively hinders investing.<\/p>\n<p>To make matters worse, one in five Europeans has no savings at all.<\/p>\n<p>If inertia runs that deep, the obvious question is whether better products can overcome it or whether something more forceful is needed, such as the automatic enrolment used to lift pension participation.<\/p>\n<p>Rolandas Juteika, Revolut&#8217;s head of wealth and trading, rejects that approach.<\/p>\n<p>However, his company, which has more than 80 million customers, has a clear commercial interest in the answer as it sells the investment products the research says Europeans should be using, and reports that active EU retail investors on its platform grew 56% year on year.<\/p>\n<div class=\"c-widget-related\" data-stories-id data-event=\"widget_related\">\n<div class=\"c-widget-related__title\"><b class=\"c-widget-related__title__text\" lang=\"en\">Related<\/b><\/div>\n<ul class=\"c-widget-related__list\" id=\"abe-article-related-1\">\n<li class=\"c-widget-related__item\">Exclusive: Italy proposes no fees for digital euro payments under \u20ac10<\/li>\n<li class=\"c-widget-related__item\">The missing capital market: Europe has \u20ac37tn in savings. Why isn&#8217;t more of it reaching businesses?<\/li>\n<\/ul>\n<\/div>\n<p>Among those who do not invest, the survey found perceived risk was the main barrier for 29% and a lack of knowledge for 27%.<\/p>\n<p>&#8220;Forced enrolment doesn&#8217;t tackle the root causes of inertia: perceived risk (29%) and a lack of knowledge (27%),&#8221; Juteika told Euronews, adding that &#8220;with our median first-time EU investment at just \u20ac18, we see firsthand that lowering the barrier to \u20ac1 naturally empowers consumers to act.&#8221;<\/p>\n<p>Asked whether folding banking, savings and investing into a single app genuinely reduces fragmentation or simply moves it somewhere else, Juteika argued the difference is structural.<\/p>\n<p>Consolidating those functions &#8220;removes the administrative wall between a person&#8217;s salary, savings and capital markets,&#8221; he said.<\/p>\n<h2>A continent divided three ways<\/h2>\n<p>The regional patterns are stark.<\/p>\n<p>Central and eastern Europe faces the widest gaps between inflation and deposit rates, led by Bulgaria at 2.3% , Slovakia at 1.7% and Lithuania at 1.3%. Yet, appetite for investing small sums is highest there, with 51% in both Bulgaria and Romania willing to start.<\/p>\n<p>Western and southern Europe holds the largest piles of idle cash, with Germany at \u20ac1.9 trillion and France at \u20ac588 billion, and faces an opportunity gap of 6% to 7%.<\/p>\n<p>Northern Europe has deposit rates that broadly match inflation but the weakest awareness, with fewer than 40% of respondents in Denmark and Sweden understanding how inflation affects long-term wealth.<\/p>\n<h2>Brussels wants the same money moved<\/h2>\n<p>The findings land in the middle of a live political argument.<\/p>\n<p>Addressing French business leaders in Paris last month, European Commission President Ursula von der Leyen made almost identical points, framing idle deposits as a problem of European competitiveness rather than personal finance.<\/p>\n<p>&#8220;In Europe, there is no shortage of technology or savings,&#8221; von der Leyen declared, adding that &#8220;there is still a shortage of capacity to scale up Europe&#8217;s businesses.&#8221;<\/p>\n<p>Companies that start in Europe too often leave to find funding, she added, shifting their centre of gravity or being bought outright.<\/p>\n<p>&#8220;Europe has savings. And unfortunately, those savings are sitting idle,&#8221; she continued.<\/p>\n<p>&#8220;Today, \u20ac10 trillion in household savings are kept in bank accounts. And a large share of Europe&#8217;s savings is invested outside our continent. Europe now needs to put these savings to work for its companies. This is the goal of the Savings and Investments Union.&#8221;<\/p>\n<p>The Commission&#8217;s \u20ac10 trillion and Revolut&#8217;s \u20ac6.3 trillion measure different things.<\/p>\n<p>The Commission figure covers household savings held in bank accounts across the whole EU, while Revolut counts only liquid deposits in the 20 markets it surveyed, which excludes seven member states.<\/p>\n<div class=\"widget widget--type-image widget--size-fullwidth widget--animation-fade-in widget--align-center\" data-ratio=\"0.6665\">\n<div class=\"widget__wrapper\">\n<div class=\"widget__ratio widget__ratio--auto\">\n<div class=\"widget__contents\">\n<figure class=\"widget__figure\"><img decoding=\"async\" class=\"widgetImage__image\" loading=\"lazy\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/02\/23\/808x539_cmsv2_362cc70f-832d-5c2f-a0ca-c38c99619d86-9910223.jpg\" alt=\"FILE. European Commission President Ursula von der Leyen delivers a press statement at EU headquarters in Brussels, 2 Sept. 2026\"><figcaption class=\"widget__caption\"><span class=\"widget__captionWrap\"><span class=\"widget__captionText\">FILE. European Commission President Ursula von der Leyen delivers a press statement at EU headquarters in Brussels, 2 Sept. 2026<\/span><span class=\"widget__captionCredit\">AP Photo\/Virginia Mayo<\/span><\/span><\/figcaption><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>The arithmetic behind Brussels&#8217; interest is straightforward.<\/p>\n<p>The Draghi report put Europe&#8217;s additional investment needs at \u20ac750 billion to \u20ac800 billion a year by 2030 to fund digitalisation, energy, defence and infrastructure, a sum member states cannot raise through borrowing.<\/p>\n<p>Public debt stood at 82.9% of EU GDP in the first quarter of this year and 88.9% across the eurozone, according to Eurostat. If the money is not going to come from governments, it has to come from somewhere else.<\/p>\n<p>The Savings and Investments Union, adopted as a strategy in March 2025 and overseen by Financial Services Commissioner Maria Lu\u00eds Albuquerque, is the vehicle.<\/p>\n<p>It is not a mechanism for touching anyone&#8217;s deposits, and confers no power to do so.<\/p>\n<p>Instead it works through incentives and plumbing with a recommendation on savings and investment accounts giving retail savers a simple route into capital markets, a review of the pan-European pension product on which the Council agreed a position in June, rules on securitisation, changes to how banks and insurers can invest, and deeper supervision.<\/p>\n<p>&#8220;Together, these measures could unlock up to \u20ac470 billion in additional investment,&#8221; von der Leyen said.<\/p>\n<p>Juteika supports the effort but sees a missing piece.<\/p>\n<p>&#8220;It&#8217;s important that the EU can rely on a unified single market driven by open banking and open finance principles, allowing citizens to see their full financial picture, benefit from innovation, and move capital seamlessly,&#8221; he told Euronews, adding that &#8220;while policy catches up, we&#8217;re already bridging this gap across all 27 member states.&#8221;<\/p>\n<p>Not everyone is comfortable. Critics argue that a Commission facing this scale of funding gap has an obvious interest in influencing where household money ends up, and that harmonised supervision concentrates authority in Brussels over decisions previously left to national regulators and individual savers.<\/p>\n<p>The timetable is tight, and von der Leyen has already signalled she will not wait for everyone.<\/p>\n<p>&#8220;We now need to reach an agreement, before the end of the year, ideally with all 27 Member States. But if that doesn&#8217;t work, if necessary we will do it with those that are ready,&#8221; she declared.<\/p>\n<\/div>\n<p>                                  Go to accessibility shortcuts<\/p>\n<div class=\"c-article-share-comment u-align-items-center u-display-flex\"><span class=\"c-article-share-comment__links u-align-items-center u-display-flex u-justify-content-center js-c-article-share-comment-share\"><span class=\"c-article-share-comment__label\">Share<\/span><\/span><span class=\"c-article-share-comment__label\">Comments<\/span><span class=\"c-article-share-comment__label c-article-share-comment__label--always\">Add Euronews on Google<\/span><\/div>\n<div id=\"adb-article-you-might-also-like\" class=\"perf-cv-auto c-article-you-might-also-like\">\n<h2 class=\"c-article-you-might-also-like__title\">\n        Read more<br \/>\n      <\/h2>\n<div class=\"c-article-you-might-also-like__container\">\n<article id=\"abe-2924762-pos0-c-article-you-might-also-like__item\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1\" data-nid=\"2924762\" data-cid=\"9909226\" data-part-label=\"Partner content\">\n<figure id=\"abe-2924762-label-pos0-c-article-you-might-also-like__item\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/90\/92\/26\/480x270_cmsv2_22ca208e-f448-54e5-8391-901604fbde84-9909226.jpg\" loading=\"lazy\" alt=\"Christine Lagarde, President of the European Central Bank, address the media during a press conference following the ECB Governing Council&apos;s off-site meeting at the Deutsche B\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Economy<\/p>\n<h3 class=\"the-media-object__title  \">\n<p>    Can the ECB rate hike stop an inflation shock driven by energy costs?<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2925757-pos1-c-article-you-might-also-like__item\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1\" data-nid=\"2925757\" data-cid=\"9913579\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925757-label-pos1-c-article-you-might-also-like__item\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/35\/79\/480x270_cmsv2_01fb76f5-d4bd-5e3d-a993-4613397e114e-9913579.jpg\" loading=\"lazy\" alt=\"The Commerzbank is pictured in Frankfurt, Germany, Monday, March 16, 2026. (AP Photo\/Michael Probst)\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Business<\/p>\n<h3 class=\"the-media-object__title  \">\n<p>    Germany seeks UniCredit guarantees over Commerzbank takeover<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2924954-pos2-c-article-you-might-also-like__item\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1\" data-nid=\"2924954\" data-cid=\"9910223\" data-part-label=\"Partner content\">\n<figure id=\"abe-2924954-label-pos2-c-article-you-might-also-like__item\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/02\/23\/480x270_cmsv2_d3ff81ae-5357-58b3-af35-f0ede9e4d2ab-9910223.jpg\" loading=\"lazy\" alt=\"FILE. European Commissioner for Financial Services and the Savings and Investments Union Maria Lu\u00eds Albuquerque speaks during a media conference in Brussels, March 2025\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Business<\/p>\n<h3 class=\"the-media-object__title  \">\n<p>    Here&#8217;s how much idle savings are costing Europeans every year<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<div class=\"perf-cv-auto\">\n<ul id=\"adb-article-tags\" class=\"c-tags-list\">\n<li class=\"c-tags-list__item\">\n<section class=\"tc-cta\" data-twig-component=\"Cta-default\">\n  European Union<br \/>\n<\/section>\n<\/li>\n<li class=\"c-tags-list__item\">\n<section class=\"tc-cta\" data-twig-component=\"Cta-default\">\n  Revolut\u00a0<br \/>\n<\/section>\n<\/li>\n<li class=\"c-tags-list__item\">\n<section class=\"tc-cta\" data-twig-component=\"Cta-default\">\n  Investment<br \/>\n<\/section>\n<\/li>\n<li class=\"c-tags-list__item\">\n<section class=\"tc-cta\" data-twig-component=\"Cta-default\">\n  savings<br \/>\n<\/section>\n<\/li>\n<li class=\"c-tags-list__item\">\n<section class=\"tc-cta\" data-twig-component=\"Cta-default\">\n  Ursula von der Leyen<br \/>\n<\/section>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"tp-vuukle\">\n<div class=\"c-vuukle-skeleton\" aria-hidden=\"true\">\n<div class=\"c-vuukle-skeleton__header\"><span class=\"c-vuukle-skeleton__title\">Comments<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<aside class=\"o-article-newsy__aside\">\n<div class=\"c-ad-wrapper o-article-newsy__aside__content-1\" data-ad-name=\"adzone-halfpage\">\n<div class=\"c-ad c-ad-halfpage u-show-for-desktop\">\n<div class=\"c-ad__placeholder\"><img loading=\"lazy\" decoding=\"async\" class=\"c-ad__placeholder__logo\" src=\"https:\/\/static.euronews.com\/website\/images\/logos\/logo-euronews-stacked-outlined-72x72-grey-9.svg\" width=\"72\" height=\"72\" alt><span>ADVERTISEMENT<\/span><\/div>\n<\/div>\n<div class=\"c-ad u-show-for-mobile-only\">\n<div class=\"c-ad__placeholder\"><img loading=\"lazy\" decoding=\"async\" class=\"c-ad__placeholder__logo\" src=\"https:\/\/static.euronews.com\/website\/images\/logos\/logo-euronews-stacked-outlined-72x72-grey-9.svg\" width=\"72\" height=\"72\" alt><span>ADVERTISEMENT<\/span><\/div>\n<\/div>\n<\/div>\n<div id=\"adb-article-top-stories\" class=\"perf-cv-auto c-top-stories\">\n<h2 class=\"c-top-stories__title\">Top stories<\/h2>\n<div class=\"c-top-stories__item\">\n<article id=\"abe-2925817-pos2-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2925817\" data-cid=\"9913870\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925817-label-pos2-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/38\/70\/320x180_cmsv2_c9900e73-a42e-5933-b215-13c85b167382-9913870.jpg\" loading=\"lazy\" alt=\"Canadian Finance Minister Francois-Philippe Champagne speaks to reporters at the G20 Finance Ministerial in Asheville, North Carolina, 1 Sept. 2026\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Canada sells itself as a safe bet &#8216;in a very uncertain world&#8217;<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<\/div>\n<div class=\"c-top-stories__item\">\n<article id=\"abe-2925830-pos3-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2925830\" data-cid=\"9914004\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925830-label-pos3-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/40\/04\/320x180_cmsv2_379af446-2e10-5e11-9296-d4fe42ff5723-9914004.jpg\" loading=\"lazy\" alt=\"FILE. A woman with her shopping items walks by other shoppers gathering outside a Dior promotion booth in Beijing, 17 Aug. 2026\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    China&#8217;s retail sales weaken as spending remains sluggish<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<\/div>\n<div class=\"c-top-stories__item\">\n<article id=\"abe-2925757-pos4-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2925757\" data-cid=\"9913579\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925757-label-pos4-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/35\/79\/320x180_cmsv2_01fb76f5-d4bd-5e3d-a993-4613397e114e-9913579.jpg\" loading=\"lazy\" alt=\"The Commerzbank is pictured in Frankfurt, Germany, Monday, March 16, 2026. (AP Photo\/Michael Probst)\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Germany seeks UniCredit guarantees over Commerzbank takeover<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<\/div>\n<div class=\"c-top-stories__item\">\n<article id=\"abe-2925774-pos5-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2925774\" data-cid=\"9913635\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925774-label-pos5-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/36\/35\/320x180_cmsv2_271bf94e-3365-5a67-8b68-d5308bcea6a0-9913635.jpg\" loading=\"lazy\" alt=\"Michael Gallucchi Traders works on the floor at the New York Stock Exchange in New York, Monday, 14 Sept. 2026. \" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    US 10-year Treasury yield breaches 5% as global bond sell-off deepens<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<\/div>\n<div class=\"c-top-stories__item\">\n<article id=\"abe-2925498-pos6-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2925498\" data-cid=\"9912332\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925498-label-pos6-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/23\/32\/320x180_cmsv2_d8aa8738-e4cc-54ad-a92e-84595044ecee-9912332.jpg\" loading=\"lazy\" alt=\"FILE. 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class=\"c-ad__placeholder__logo\" src=\"https:\/\/static.euronews.com\/website\/images\/logos\/logo-euronews-stacked-outlined-72x72-grey-9.svg\" width=\"72\" height=\"72\" alt><span>ADVERTISEMENT<\/span><\/div>\n<\/div>\n<\/div>\n<div class=\"perf-cv-auto c-most-viewed\">\n<h2 class=\"c-most-viewed__title qa-section-title\">Most read<\/h2>\n<div class=\"c-most-viewed__list\">\n<div class=\"c-most-viewed__item\"><span class=\"c-most-viewed__item__number\">1<\/span><\/p>\n<article id=\"abe-2925524-pos1-mostViewed\" class=\"the-media-object m-modeMobile-3 m-modeDesktop-3 m-modeXL-3 the-media-object--has-related the-media-object--no-label\" data-nid=\"2925524\" data-cid=\"9912419\" data-part-label=\"Partner content\">\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Trump concedes on ethics rules as major US crypto bill nears vote<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<\/div>\n<div class=\"c-most-viewed__item\"><span 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hike stop an inflation shock driven by energy costs?<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2925757-pos1-c-article-you-might-also-like__item\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1\" data-nid=\"2925757\" data-cid=\"9913579\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925757-label-pos1-c-article-you-might-also-like__item\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/35\/79\/480x270_cmsv2_01fb76f5-d4bd-5e3d-a993-4613397e114e-9913579.jpg\" loading=\"lazy\" alt=\"The Commerzbank is pictured in Frankfurt, Germany, Monday, March 16, 2026. (AP Photo\/Michael Probst)\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Business<\/p>\n<h3 class=\"the-media-object__title  \">\n<p>    Germany seeks UniCredit guarantees over Commerzbank takeover<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2924954-pos2-c-article-you-might-also-like__item\" class=\"the-media-object m-modeMobile-1 m-modeDesktop-1 m-modeXL-1\" data-nid=\"2924954\" data-cid=\"9910223\" data-part-label=\"Partner content\">\n<figure id=\"abe-2924954-label-pos2-c-article-you-might-also-like__item\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/02\/23\/480x270_cmsv2_d3ff81ae-5357-58b3-af35-f0ede9e4d2ab-9910223.jpg\" loading=\"lazy\" alt=\"FILE. European Commissioner for Financial Services and the Savings and Investments Union Maria Lu\u00eds Albuquerque speaks during a media conference in Brussels, March 2025\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n                    Business<\/p>\n<h3 class=\"the-media-object__title  \">\n<p>    Here&#8217;s how much idle savings are costing Europeans every year<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2925817-pos2-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2925817\" data-cid=\"9913870\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925817-label-pos2-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/38\/70\/320x180_cmsv2_c9900e73-a42e-5933-b215-13c85b167382-9913870.jpg\" loading=\"lazy\" alt=\"Canadian Finance Minister Francois-Philippe Champagne speaks to reporters at the G20 Finance Ministerial in Asheville, North Carolina, 1 Sept. 2026\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Canada sells itself as a safe bet &#8216;in a very uncertain world&#8217;<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2925830-pos3-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2925830\" data-cid=\"9914004\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925830-label-pos3-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/40\/04\/320x180_cmsv2_379af446-2e10-5e11-9296-d4fe42ff5723-9914004.jpg\" loading=\"lazy\" alt=\"FILE. A woman with her shopping items walks by other shoppers gathering outside a Dior promotion booth in Beijing, 17 Aug. 2026\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    China&#8217;s retail sales weaken as spending remains sluggish<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2925757-pos4-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2925757\" data-cid=\"9913579\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925757-label-pos4-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/35\/79\/320x180_cmsv2_01fb76f5-d4bd-5e3d-a993-4613397e114e-9913579.jpg\" loading=\"lazy\" alt=\"The Commerzbank is pictured in Frankfurt, Germany, Monday, March 16, 2026. (AP Photo\/Michael Probst)\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Germany seeks UniCredit guarantees over Commerzbank takeover<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2925774-pos5-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2925774\" data-cid=\"9913635\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925774-label-pos5-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/36\/35\/320x180_cmsv2_271bf94e-3365-5a67-8b68-d5308bcea6a0-9913635.jpg\" loading=\"lazy\" alt=\"Michael Gallucchi Traders works on the floor at the New York Stock Exchange in New York, Monday, 14 Sept. 2026. \" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    US 10-year Treasury yield breaches 5% as global bond sell-off deepens<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2925498-pos6-top-stories\" class=\"the-media-object m-modeMobile-2 m-modeDesktop-2 m-modeXL-2 the-media-object--no-label\" data-nid=\"2925498\" data-cid=\"9912332\" data-part-label=\"Partner content\">\n<figure id=\"abe-2925498-label-pos6-top-stories\" class=\"the-media-object__figure\"><img decoding=\"async\" class=\"the-media-object__image\" src=\"https:\/\/images.euronews.com\/articles\/stories\/09\/91\/23\/32\/320x180_cmsv2_d8aa8738-e4cc-54ad-a92e-84595044ecee-9912332.jpg\" loading=\"lazy\" alt=\"FILE. This image provided by Planet Labs PBC shows a plume of black smoke rising from a Saudi Aramco oil refinery, north of Abha, Saudi Arabia, 8 Sept. 2026\" height=\"9\" width=\"16\"><\/figure>\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Oil surges past $108 after Hormuz attack and Saudi pipeline shutdown<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2925524-pos1-mostViewed\" class=\"the-media-object m-modeMobile-3 m-modeDesktop-3 m-modeXL-3 the-media-object--has-related the-media-object--no-label\" data-nid=\"2925524\" data-cid=\"9912419\" data-part-label=\"Partner content\">\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Trump concedes on ethics rules as major US crypto bill nears vote<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-795514-pos2-mostViewed\" class=\"the-media-object m-modeMobile-3 m-modeDesktop-3 m-modeXL-3 the-media-object--no-label\" data-nid=\"795514\" data-cid=\"3983694\" data-part-label=\"Partner content\">\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Which European countries are the most expensive?<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2804100-pos3-mostViewed\" class=\"the-media-object m-modeMobile-3 m-modeDesktop-3 m-modeXL-3 the-media-object--has-related the-media-object--no-label\" data-nid=\"2804100\" data-cid=\"9302664\" data-part-label=\"Partner content\">\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Europe\u2019s rising retirement ages: One country leads\u2014which will follow?<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2563778-pos4-mostViewed\" class=\"the-media-object m-modeMobile-3 m-modeDesktop-3 m-modeXL-3 the-media-object--has-related the-media-object--no-label\" data-nid=\"2563778\" data-cid=\"8503406\" data-part-label=\"Partner content\">\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Why is Germany opposed to EU tariffs on Chinese electric vehicles?<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<article id=\"abe-2718278-pos5-mostViewed\" class=\"the-media-object m-modeMobile-3 m-modeDesktop-3 m-modeXL-3 the-media-object--has-related the-media-object--no-label\" data-nid=\"2718278\" data-cid=\"8947076\" data-part-label=\"Partner content\">\n<div class=\"the-media-object__content\">\n<h3 class=\"the-media-object__title  \">\n<p>    Chinese EV giant BYD beats domestic players to hit record 2024 sales<br \/>\n  <\/h3>\n<\/div>\n<\/article>\n<div class=\"articleBody\" data-key=\"articleBody\">Doing nothing with your savings has a price, and new figures put a number on it.Revolut published its European Wealth Drain Index last week, combining a survey of 20,007 adults across 20 member states with official deposit and inflation data, and the picture it paints is of a continent whose households are quietly getting poorer while sitting on their money.In 12 of the 20 markets included in the study, average one-year deposit rates fail to keep pace with inflation.Across the sample, deposits pay an average of 2.76% against inflation of 2.94%, meaning even savers who lock their money away are losing ground in real terms.Inertia, confusion and app fatigueThe opportunity cost is larger than the inflation loss.Benchmarked against the MSCI Europe ETF&#8217;s ten-year annualised return of 9.06%, Revolut calculates households forgo an average of \u20ac638 per \u20ac10,000 each year by staying in cash.Scaled across the \u20ac6.3 trillion, that amounts to \u20ac422 billion a year in growth capital not reaching European businesses.Why savers stay put comes down to three things.Two-thirds have never switched banks for a better rate, with 26% saying they simply prefer their existing bank, 18% considering the difference negligible and 15% not knowing where to look.Nearly half, 46%, misjudge their inflation-adjusted returns, and 19% are unaware inflation affects their cash at all. Over half use multiple financial apps, and among those, 45% say the fragmentation actively hinders investing.To make matters worse, one in five Europeans has no savings at all.If inertia runs that deep, the obvious question is whether better products can overcome it or whether something more forceful is needed, such as the automatic enrolment used to lift pension participation.Rolandas Juteika, Revolut&#8217;s head of wealth and trading, rejects that approach.However, his company, which has more than 80 million customers, has a clear commercial interest in the answer as it sells the investment products the research says Europeans should be using, and reports that active EU retail investors on its platform grew 56% year on year.Among those who do not invest, the survey found perceived risk was the main barrier for 29% and a lack of knowledge for 27%.&#8221;Forced enrolment doesn&#8217;t tackle the root causes of inertia: perceived risk (29%) and a lack of knowledge (27%),&#8221; Juteika told Euronews, adding that &#8220;with our median first-time EU investment at just \u20ac18, we see firsthand that lowering the barrier to \u20ac1 naturally empowers consumers to act.&#8221;Asked whether folding banking, savings and investing into a single app genuinely reduces fragmentation or simply moves it somewhere else, Juteika argued the difference is structural.Consolidating those functions &#8220;removes the administrative wall between a person&#8217;s salary, savings and capital markets,&#8221; he said.A continent divided three waysThe regional patterns are stark.Central and eastern Europe faces the widest gaps between inflation and deposit rates, led by Bulgaria at 2.3% , Slovakia at 1.7% and Lithuania at 1.3%. Yet, appetite for investing small sums is highest there, with 51% in both Bulgaria and Romania willing to start.Western and southern Europe holds the largest piles of idle cash, with Germany at \u20ac1.9 trillion and France at \u20ac588 billion, and faces an opportunity gap of 6% to 7%.Northern Europe has deposit rates that broadly match inflation but the weakest awareness, with fewer than 40% of respondents in Denmark and Sweden understanding how inflation affects long-term wealth.Brussels wants the same money movedThe findings land in the middle of a live political argument.Addressing French business leaders in Paris last month, European Commission President Ursula von der Leyen made almost identical points, framing idle deposits as a problem of European competitiveness rather than personal finance.&#8221;In Europe, there is no shortage of technology or savings,&#8221; von der Leyen declared, adding that &#8220;there is still a shortage of capacity to scale up Europe&#8217;s businesses.&#8221;Companies that start in Europe too often leave to find funding, she added, shifting their centre of gravity or being bought outright.&#8221;Europe has savings. And unfortunately, those savings are sitting idle,&#8221; she continued.&#8221;Today, \u20ac10 trillion in household savings are kept in bank accounts. And a large share of Europe&#8217;s savings is invested outside our continent. Europe now needs to put these savings to work for its companies. This is the goal of the Savings and Investments Union.&#8221;The Commission&#8217;s \u20ac10 trillion and Revolut&#8217;s \u20ac6.3 trillion measure different things.The Commission figure covers household savings held in bank accounts across the whole EU, while Revolut counts only liquid deposits in the 20 markets it surveyed, which excludes seven member states.The arithmetic behind Brussels&#8217; interest is straightforward.The Draghi report put Europe&#8217;s additional investment needs at \u20ac750 billion to \u20ac800 billion a year by 2030 to fund digitalisation, energy, defence and infrastructure, a sum member states cannot raise through borrowing.Public debt stood at 82.9% of EU GDP in the first quarter of this year and 88.9% across the eurozone, according to Eurostat. If the money is not going to come from governments, it has to come from somewhere else.The Savings and Investments Union, adopted as a strategy in March 2025 and overseen by Financial Services Commissioner Maria Lu\u00eds Albuquerque, is the vehicle.It is not a mechanism for touching anyone&#8217;s deposits, and confers no power to do so.Instead it works through incentives and plumbing with a recommendation on savings and investment accounts giving retail savers a simple route into capital markets, a review of the pan-European pension product on which the Council agreed a position in June, rules on securitisation, changes to how banks and insurers can invest, and deeper supervision.&#8221;Together, these measures could unlock up to \u20ac470 billion in additional investment,&#8221; von der Leyen said.Juteika supports the effort but sees a missing piece.&#8221;It&#8217;s important that the EU can rely on a unified single market driven by open banking and open finance principles, allowing citizens to see their full financial picture, benefit from innovation, and move capital seamlessly,&#8221; he told Euronews, adding that &#8220;while policy catches up, we&#8217;re already bridging this gap across all 27 member states.&#8221;Not everyone is comfortable. Critics argue that a Commission facing this scale of funding gap has an obvious interest in influencing where household money ends up, and that harmonised supervision concentrates authority in Brussels over decisions previously left to national regulators and individual savers.The timetable is tight, and von der Leyen has already signalled she will not wait for everyone.&#8221;We now need to reach an agreement, before the end of the year, ideally with all 27 Member States. But if that doesn&#8217;t work, if necessary we will do it with those that are ready,&#8221; she declared.<\/div>\n<p>[analyse_source url=&#8221;https:\/\/www.euronews.com\/business\/2026\/09\/15\/trillions-sitting-idle-heres-how-much-money-europeans-are-losing-on-savings&#8221;]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;https:\/\/images.euronews.com\/articles\/stories\/09\/91\/02\/23\/1200x675_cmsv2_d3ff81ae-5357-58b3-af35-f0ede9e4d2ab-9910223.jpg&#8221;] Europe News Suspected sabotage brings Dutch rail network to a standstill Top News Stories Today Latest news bulletin | September 15th, 2026 \u2013 Midday Europe News Euroviews. Twenty-five years on, Dubai&#8217;s media bet has become a global platform Europe Today TEU has &#8216;the power&#8217; to lead on &#8216;global treaty on AI&#8217;, says [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[90],"tags":[226,36],"class_list":["post-2145319","post","type-post","status-publish","format-standard","hentry","category-international","tag-crawlmanager","tag-euronews-com"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2145319","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2145319"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2145319\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2145319"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2145319"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2145319"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}