Banks in the 27 countries of the European Union: an open dataset

Snapshot as of 2 November 2026 · 4,604 credit institutions on the ECB list · next version: May 2027

Every credit institution on the European Central Bank’s list in the 27 EU member states. We checked all 1,939 national banks and branches of foreign banks one by one on their own websites: do they offer a current account to individual customers, do they pay a bonus for opening one, and what does the account cost if you meet no conditions. Every amount comes with the bank’s URL and a verbatim sentence from its page. The remaining 2,665 are local cooperative banks, savings banks and credit unions: they are in the file but not compared. The dataset is free, under CC BY 4.0.

59 of 4,604

credit institutions on the ECB list pay a bonus just for opening a personal account. We checked all 1,939 national banks and branches, not a sample.

• 59 pays an account opening bonus
• 467 personal account, no bonus
• 210 savings only
• 1,203 no retail offer or website not readable
• 2,665 local (cooperative banks, savings banks, credit unions), not compared

How do I download the data?

UTF-8 with a byte order mark, comma-separated, with a decimal point. One row is one institution on the ECB list; join rows on the “riad” column (the ECB code) or “lei”. Amounts are in the bank’s currency (column “currency”) and in euro at the ECB reference rate of 29 October 2026. Column names are in Polish and never change; the dictionary below explains each one. The file banki.csv always holds the latest version, while a file with a date in its name never changes. New countries and registers arrive as new rows. Every version is also deposited on Zenodo (CERN) with a DOI; all versions together: 10.5281/zenodo.23855547. The dataset is also listed on dane.gov.pl, Poland’s open data portal.

Where in Europe are the banks based?

The map shows every institution on the ECB list at its registered office. The largest clusters are Paris (151), Milan (92) and Luxembourg (84): financial centres where investment banks, custodians and private banks sit next to banks for individual customers.

Every dot is a bank: where they are based in Europe

4,597 of 4,604 credit institutions on the ECB list, at their registered office. Institutions in the same city form a spiral, so the size of a cluster is the number of banks.

• account opening bonus (59)
• account, no bonus (467)
• savings only (210)
• no retail offer or not readable (1,203)
• local, not compared (2,665)

Download the map

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<figure><a href="https://obrotomierz.pl/en/data/european-banks/"><img src="https://obrotomierz.pl/dane/banki-w-europie/mapa.png" alt="Map of Europe made of 4,597 dots: registered offices of credit institutions on the ECB list; amber ones pay an account opening bonus" style="max-width:100%;height:auto"></a><figcaption>Source: <a href="https://obrotomierz.pl/en/data/european-banks/">obrotomierz.pl</a>, CC BY 4.0</figcaption></figure> Copy code

You may republish it (CC BY 4.0). Credit “Source: obrotomierz.pl” with a link to this page; the embed code includes it.

In which country do banks most often pay you to open an account?

We count only banks that offer a personal current account to individual customers and whose website we could read. All bonuses with their conditions and deadlines are on the page about account opening bonuses in the EU.

All banks we checked

1,939 national banks and branches from 27 countries: offer for individual customers, account opening bonus, deadline and monthly fee if you meet no conditions. Banks with a bonus first, then accounts without a bonus and savings-only banks. Conditions are described in Polish in the CSV file.

What does each column mean?

Where does it come from and how do we check it?

What is not in the dataset?

Which versions exist?

• 2026-11-02: seven bonuses with a 31 October 2026 deadline checked again on 2 November 2026: six have a successor or a new deadline (Pekao, K&H, Raiffeisen HU, VÚB, ING ES, RBA), BGL BNP Paribas has no new offer. banki-2026-11-02.csv, DOI 10.5281/zenodo.23855548
• 2026-10-31: first version: 27 EU countries, ECB list of 28 October 2026, bank websites read from 29 to 31 October 2026. banki-2026-10-31.csv

How to cite

Licence CC BY 4.0: you may use the dataset, also commercially, as long as you credit the source. Example:

Błażewski, R. (2026). Banks in 27 European Union countries: account opening bonuses and fees (version 2026-11-02) [Data set]. obrotomierz.pl. https://doi.org/10.5281/zenodo.23855548

Related

• Account opening bonuses in 27 EU countries
• What an account costs if you meet no conditions
• Inflation-linked savings bonds in all countries of the world
• This page in Polish

By Rafał Błażewski, obrotomierz.pl. Sources: the ECB list of credit institutions of 28 October 2026 (Source: ECB statistics), compared with the EBA register; websites, terms and price lists of 1,939 banks; ECB reference rates; office locations from postcodes (GeoNames). We show what banks offer and do not recommend any account. Found an error, or a bank that pays a bonus and is missing here? Write to us.