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Reference · 1 July – 31 December 2026

EU late payment interest rates by country

The statutory interest you can charge on an overdue B2B invoice in each EU member state — under Directive 2011/7/EU and national law. Every figure is the commercial (B2B) rate for 1 July – 31 December 2026, with the reference rate, margin, and an official source per country.

Last verified 9 July 2026. Rates reset every 1 January and 1 July.

Highlighted rows apply a higher national margin than the EU minimum of +8pp.

Statutory B2B late-payment interest rate by EU member state for 1 July – 31 December 2026, with reference rate, margin, currency, and source.
CountryRateReference + marginSource
Austria10.73%1.53% + 9.2ppSource
Belgium10.50%2.50% + 8ppSource
Bulgaria12.40%2.40% + 10ppSource
Croatia10.40%2.40% + 8ppSource
Cyprus10.40%2.40% + 8ppSource
Czechianon-€11.75%3.75% + 8ppSource
Denmarknon-€10.00%2.00% + 8ppSource
Estonia10.40%2.40% + 8ppSource
Finland10.50%2.50% + 8ppSource
France12.40%2.40% + 10ppSource
Germany10.52%1.52% + 9ppSource
Greece10.40%2.40% + 8ppSource
Hungarynon-€14.00%6.00% + 8ppSource
Ireland10.40%2.40% + 8ppSource
Italy10.40%2.40% + 8ppSource
Latvia10.40%2.40% + 8ppSource
Lithuania10.40%2.40% + 8ppSource
Luxembourg10.40%2.40% + 8ppSource
Malta10.40%2.40% + 8ppSource
Netherlands10.40%2.40% + 8ppSource
Polandnon-€13.75%3.75% + 10ppSource
Portugal10.40%2.40% + 8ppSource
Romanianon-€14.50%6.50% + 8ppSource
Slovakia10.40%2.40% + 8ppSource
Slovenia10.40%2.40% + 8ppSource
Spain10.40%2.40% + 8ppSource
Swedennon-€10.00%2.00% + 8ppSource

Reference rate for euro-area states is the ECB main refinancing rate in force on 1 July 2026 (2.40%); Germany, Austria and Finland use their own national base rate, and non-euro states use their national central-bank rate. The margin is the percentage points added for B2B statutory interest — most states apply the Directive minimum of +8pp, but France (+10), Germany (+9), Austria (+9.2) and Bulgaria (+10) apply higher national margins.

Bulgaria, Italy: figure is lower-confidence — confirm against the official source before relying on it.

How to read this

What the numbers mean

Under EU Directive 2011/7/EU, a business can charge statutory interest on a late commercial (B2B) invoice equal to a reference rate plus at least 8 percentage points, plus a fixed €40 recovery fee. Member states transpose this into national law and some set a higher margin.

The rate is fixed per calendar half-year: the reference rate in force on 1 January or 1 July governs the whole six-month period and does not change mid-period, even if the central-bank rate moves. The figures above are for 1 July – 31 December 2026 — the next reset is 1 January 2027.

Every figure is the commercial (B2B)rate. Most countries also publish a separate, usually lower, consumer or civil default-interest rate — don't confuse the two.

Invoicing customers in the United States? The model is inverted there — no automatic fee, contract first — but every state has a fallback legal rate: see the US late-payment interest rates by state.

Before you rely on a figure: this is a reference summary, not legal advice. Rates change every six months and national transposition varies — verify against the relevant national official gazette before using a number for collection, litigation, or invoicing. The official EU starting point is the European Commission late-payment portal.

Work it out

Calculate what you're owed

Pick the rate for your country above, then use the calculator to work out the interest and the €40 recovery fee on a specific overdue invoice.

Late payment interest calculator →Verzugszinsen-Rechner (DE) →

Charging interest is the easy part. Collecting is the work.

DueTrail turns overdue invoices into managed cases with reviewable reminders and promise-to-pay tracking — so your team follows up consistently across every market you sell into.

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