EU Strategy Targets €10 Trillion in Deposits, No Bitcoin Yet

About €10 trillion of EU household savings is held in bank deposits, according to the European Commission Savings and Investments Union strategy, adopted on March 19, 2025.

It aims to channel more savings into productive investment and increase citizens’ participation in capital markets.The Commission’s strategy is focused on the EU financial system, household wealth creation, and financing for businesses.

But could this shift toward retail investing eventually change how investors consider different types of investment products? As of today, the Commission’s published materials do not provide an answer to that question.

EU's von der Leyen:€10 trillion of household savings is currently sitting in bank deposits, and a significant part of European savings is invested outside our continent.Europe must now put these savings to work for its companies, and that is the goal of the Savings and… pic.twitter.com/CATwQJWAW2— Clash Report (@clashreport) August 31, 2026 The Commission, however, says that about 70% of household savings in the EU is held in deposits.