Type what your household holds in savings and investments. Property and state pension entitlements stay out of it.
My household holds € in savings and investments.
Count bank and savings deposits, mutual funds, bonds, listed shares, voluntary pension plans and whole life insurance, and money owed to you. Leave out the home, other property, vehicles, business equity, and entitlements from state or workplace pension schemes.
Households in Spain you hold more than
50%
Above the middle
Past the €14,600 median. Worth remembering how low that bar sits: half of all holders are below it.
€14,600 is right at the €14,600 median for Spain. Half of the households that hold any financial assets sit below that line, and half above it.
The published ladder
Where savings and investments actually sit in Spain.
Among the 99.8% of households in Spain that hold any financial asset, the median total is €14,600 and the mean is €68,900. The gap between them is the story: a small number of large portfolios pull the average far above the middle. Across the euro area the median is €16,600.
Tenth percentile
€300
Lowest published threshold
A tenth of the households with any financial assets in Spain hold no more than this.
Median
€15K
Euro area: €17K
Half hold less than this. The mean is €69K, which is what a handful of large portfolios does to an average.
Ninetieth percentile
€149K
Highest published threshold
The top tenth in Spain starts here. The survey publishes nothing above it, so there is no top 1% number.
€14,600 places you above 50% of the households in Spain that hold any financial asset.
Against the euro area as a whole you would be above 47% rather than 50%.
Who owns what
Almost every household in Spain has a bank account. After that it thins out fast.
9.6% of households in Spain hold mutual funds and 12.5% own listed shares directly, against 14.2% and 11.4% across the euro area. Deposits are close to universal everywhere. Everything below them is a minority position, and that is what makes the medians in the next column so much larger than the median for the whole country.
Asset
Households owning
Median among owners
Vs euro area
Deposits
99.8%
€9,000Euro area: 99.1% own it
Mutual funds
9.6%
€24,400Euro area: 14.2% own it
Bonds
1.1%
€20,000Euro area: 3.5% own it
Listed shares
12.5%
€7,000Euro area: 11.4% own it
Money owed to the household
14.2%
€5,000Euro area: 6.6% own it
Voluntary pension and life insurance
22.1%
€10,000Euro area: 27.5% own it
Other financial assets
10.3%
€8,100Euro area: 11.2% own it
Ownership is compared with the euro-area rate on every row. Medians are among the households that own that asset, so a large median tells you nothing about how common the asset is.
Where the money sits
What financial wealth in Spain is actually made of.
46.1% of financial wealth in Spain sits in deposits, against 44.1% across the euro area, and 8.6% sits in voluntary pension plans and life insurance. The mix decides how much of it is invested at all, which over a decade matters more than the total.
Deposits46.1% · EA 44.1%
Mutual funds12.4% · EA 13.3%
Bonds0.8% · EA 3.0%
Listed shares8.4% · EA 9.7%
Money owed to the household5.3% · EA 1.8%
Voluntary pension and life insurance8.6% · EA 18.3%
Other financial assets18.5% · EA 9.8%
Shares of the total financial assets held by households in Spain. Where the survey published no figure, the item is left out rather than drawn as zero.
The other half
What happens when you put the house back in.
Financial assets are 19.5% of everything households in Spain own. The other 80.5% is real: property above all, plus vehicles, valuables and business equity. Across the euro area the financial share is 20.7%. This is the number behind the question in the title, and for most households it means the majority of their wealth cannot be spent without selling where they live.
Financial
19.5%
Everything on this page, as a share of total household assets in Spain.
Real
80.5%
Property, vehicles, valuables and business equity in Spain, none of which a monthly statement tracks.
Euro area, financial
20.7%
The euro-area financial share is 20.7%, against 19.5% in Spain.
Three numbers and an outlier
What these numbers look like from the outside.
Households owed money by others
14.2%, the highest of the 9 countries here
14.2% of households in Spain are owed money by someone outside the household. It is the one financial asset that is not an institution's product, and it usually tracks how much lending happens between families.
Households with any financial assets
99.8%
Every percentile on this page is measured among these households. The remaining 0.2% in Spain hold nothing at all, and the survey publishes no distribution for them.
Own listed shares directly
12.5%
Against 11.4% across the euro area. Another 9.6% of households in Spain hold mutual funds, which is the other way into the same markets.
Financial wealth held in deposits
46.1%
Against 44.1% across the euro area. Deposits are the safest place to keep money and the surest way to lose its purchasing power slowly.
46.1% of financial wealth in Spain sits in deposits, against 44.1% across the euro area. Deposits keep their number and lose purchasing power slowly; funds and shares are where the larger balances on this page come from. Capital at risk.
Being above the €14,600 median in this data is a lower bar than it sounds. The number that matters now is your own, tracked over time.
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Among the 99.8% of households in Spain that hold any financial asset, the median is €14,600 and the mean is €68,900, 4.7 times higher (ECB HFCS Wave 2023, Table C3). The mean is the wrong number to measure yourself against: a small number of large portfolios lifts it, while the median describes the household in the middle. The euro-area median is €16,600. That median is the second lowest of the ten euro-area countries covered here, above only Italy.
€149,000 (ECB HFCS Wave 2023, Table C3). That is the ninetieth percentile among households holding any financial asset, and it is the highest threshold the survey publishes: there is no top 5% or top 1% figure in these tables, so any such number quoted for this survey has been extrapolated by someone rather than measured. At the other end, a tenth of holders have €300 or less.
12.5% own listed shares directly and 9.6% hold mutual funds (Table C1), against 11.4% and 14.2% across the euro area. Deposits, by contrast, are held by 99.8% of households. The dividing line in this data is not who saves but who invests, and it falls in very different places from one country to the next.
€50,000 places a household above about 73% of the households in Spain that hold any financial asset. It is 3.4 times the median of €14,600, and still below the top-tenth threshold of €149,000. Both comparisons are worth holding at once: the multiple sounds large because the median is low, not because the amount is high.
46.1% of financial wealth in Spain sits in deposits, 12.4% in mutual funds, 8.4% in listed shares and 8.6% in voluntary pension plans and life insurance (Table D3). The euro-area split is 44.1% deposits and 18.3% pensions. 18.5% sits in other financial assets, the second-highest share of the ten countries covered, behind Italy.
80.5% of everything households in Spain own is a real asset: property above all, plus vehicles, valuables and business equity. Only 19.5% is financial (Table D1), against 20.7% across the euro area. That is the answer to the question this page asks. Take the house out and most balance sheets shrink to a fraction of their headline size, which is why a net-worth figure and a savings figure feel like they describe two different households.
Deposits in current and savings accounts, mutual funds, bonds, listed shares held directly, money owed to the household by people outside it, voluntary pension plans and whole life insurance, and other financial assets such as managed accounts. It excludes the main residence and any other property, vehicles, valuables and business equity, and it excludes entitlements from state and workplace pension schemes, which for a typical employee are worth more than everything on this list combined.
Among the households that hold them, the median mutual-fund holding in Spain is €24,400, the median direct shareholding is €7,000 and the median voluntary pension or life insurance is €10,000 (Table C2). These are medians among owners, not among all households, so a large figure here says nothing about how common the asset is: 9.6% hold funds and 12.5% hold shares.
Three reasons, all visible in the same tables. The distribution is already conditional on holding something, so it excludes the 0.2% of households in Spain with no financial asset at all. 46.1% of what is held sits in deposits rather than in assets that grow. And financial assets are 19.5% of household wealth here, against 20.7% across the euro area. Property is the largest asset most Spanish households will ever hold, and 72.1% of them own their main residence.
14.2% of Spanish households are owed money by someone outside the household, the highest rate of the nine countries here that collected the item, against 6.6% across the euro area (ECB HFCS Wave 2023, Table C1). It is also 5.3% of all Spanish financial wealth, the largest such share of the ten (Table D3), and the median amount owed is €5,000 (Table C2). Lending between families is a real part of the Spanish balance sheet rather than a rounding error.
