Statistics Release: Retail Interest Rates January 2026 In January, the average rate on new mortgages in Ireland was the 7th highest in the euro area Weighted average interest rates on new mortgages, excluding renegotiations
📊 Retail interest rates statistics for January 2026 are now available. Read more here: centralbank.ie/statistics/d...
“Through regulation and supervision, we protect consumers, the system and the economy – delivering better outcomes for society, and ensuring the system works, both in good times and bad.” Quote from speech by by Mary-Elizabeth McMunn (Deputy Governor, Financial Regulation, Central Bank of Ireland) at Outcomes-focused Regulation in Financial Services conference, University College Dublin.
"Regulating with purpose – outcomes-focused regulation and supervision, a practitioner’s perspective” – read remarks by Mary-Elizabeth McMunn (Deputy Governor, Financial Regulation) at Outcomes-Focused Regulation in Financial Services, @ucddublin.bsky.social www.centralbank.ie/news/article...
Discussion Paper - Distributed Ledger Technology (DLT) and Tokenisation in Financial Services - Central Bank of Ireland
We have published a Discussion Paper, which examines the potential role of Distributed Ledger Technology (DLT) and Tokenisation in the financial system. www.centralbank.ie/publication/...
Statistics release: Monthly Card Payments January 2026 In January, card spending on airlines amounted to €260.47 million In January Irish consumers spending on airlines rose 71.58 per cent from December 2025
💳 Monthly Card Payment statistics for January 2026 are now available. Read more here: centralbank.ie/statistics/d...
We are pleased to launch the “EuroSteps Walking Challenge” with the @ecb.europa.eu and other central banks – an initiative to promote financial literacy across all euro area countries: www.centralbank.ie/Financial-Literacy
“Our aim remains consistent: to support a stable, resilient and inclusive economy that delivers sustainable prosperity for Ireland” – quote from Governor Gabriel Makhlouf, Central Bank of Ireland, from his Blog, “Reflections on Building Resilience and Anchoring Stability”.
✏ In his latest blog, Governor Gabriel Makhlouf reflects on recent Central Bank of Ireland publications, and on how building economic resilience is a prerequisite for the sustained prosperity of Ireland’s financial system, households and businesses. www.centralbank.ie/news/article...
Infographic for Regulatory & Supervisory Outlook 2026 It illustrates ways in which geopolitical fragmentation and technological disruptions are transforming financial services and changing the risk landscape.
We have published the Regulatory & Supervisory Outlook 2026, outlining our assessment of the risk landscape facing the financial sector and the supervisory work we will undertake in response. www.centralbank.ie/publication/...
In the latest episode of our Word on the Street series, we ask members of the public how they access cash in their locality.
Read further information on Access to Cash and how you can provide your feedback via our public consultation
www.centralbank.ie/financial-sy...
youtu.be/jU6J3sDfr6g
Image of an Automated Teller Machine (ATM) dispensing a bundle of fifty euro banknotes.
We have published the first Quarterly Cash Infrastructure Monitoring Data, which shows the number, location and opening hours of ATMs and cash service points across eight geographical regions in Ireland as at 31 December 2025. www.centralbank.ie/financial-sy...
“Independence is a means to a public end ... Our legitimacy rests on delivering outcomes for the people we serve and being accountable for the decisions we make.” Quote from speech by Governor Gabriel Makhlouf, Central Bank of Ireland.
💬 “Institutions, anchors, and their discontents: the role of central banks” – read remarks by Governor Gabriel Makhlouf at Blavatnik School of Government, University of Oxford. www.centralbank.ie/news/article...
“When the Spare Tyre Goes Flat: Monetary Policy Transmission through Non-Banks" Roman Goncharenko & Elizaveta Lukmanova Vol. 2026, No. 2
Today we've published a Research Technical Paper entitled “When the Spare Tyre Goes Flat: Monetary Policy Transmission through Non-Banks", written by Roman Goncharenko & Elizaveta Lukmanova. Read on here: centralbank.ie/research-exc...
“Investment is critical to the long-term success of any economy and to support growth in living standards. That principle is timeless, but it is particularly relevant for Ireland now.” Quote from speech by Vasileios Madouros (Deputy Governor, Monetary and Financial Stability) at Technological University Dublin.
💬 “Enabling a decade of higher investment” – read remarks by Vasileios Madouros (Deputy Governor, Monetary and Financial Stability) at Technological University Dublin. www.centralbank.ie/news/article...
Statistics release: Retail Interest Rates December 2025 In 2025 Q4, average rates on new fixed PDH mortgages were 62 basis points lower than variable rates.
📊 Retail interest rates statistics for December 2025 are now available. Read more here: centralbank.ie/statistics/d...
“We are living through an extraordinary period of change, one that may well define the generations to come. And so we must respond, but by keeping our roots intact while adapting to the times.” Quote from speech by Governor Gabriel Makhlouf, Central Bank of Ireland
💬 “Reinforcing resilience, responding to change: priorities for the year ahead” – read remarks by Governor Gabriel Makhlouf to Heads of EU Missions. www.centralbank.ie/news/article...
“The current 2 per cent deposit rate balances keeping inflation expectations anchored, while also supporting the recovery.” Governor's Blog - Image of Central Bank of Ireland Governor Gabriel Makhlouf
✏ In his latest blog, Governor Gabriel Makhlouf looks at this week’s ECB Governing Council decision to keep its main policy interest rate unchanged at 2 per cent. Read the full blog here www.centralbank.ie/news/article...
In December, card spending to charities amounted to €35.74 million
💳 Monthly Card Payment statistics for December 2025 are now available. Read more here: centralbank.ie/statistics/d...
Quote from the Governor's blog: "The role of senior leaders in public policy institutions is to create an environment whereby economists are encouraged to address the most pressing issues.
✏ In his latest blog, Governor Gabriel Makhlouf looks at the role of the economics profession during times of major upheaval and how this affects the work of Central Bank of Ireland.
www.centralbank.ie/news/article...
CP166 - Consultation on Prohibition Notices Under the Fitness and Probity Regime
We have launched a consultation on prohibition notices under our Fitness and Probity regime.
The consultation is open until 25 March 2026.
Find out more information and details on how you can provide feedback:
www.centralbank.ie/publication/...
Climate Observatory - fields and hills featuring windmills
We have published our Climate Observatory 2025 report. Read our update on climate science trends, progress towards decarbonisation, and evolving financial risks: www.centralbank.ie/publication/...
Statement - High Court appoints Joint Provisional Liquidators to Strand Investments & Finance Limited
Following an application by Central Bank of Ireland, the High Court has today appointed Crowe Ireland as Provisional Liquidators to Strand Investments & Finance Limited. If you are a customer of Strand, please read our statement and consumer FAQ: www.centralbank.ie/news-media/p...
Innovation Sandbox Programme - Innovation in Payments
We have announced the nine participants in our Innovation Sandbox Programme – Innovation in Payments. Find out more about the Programme and our participant companies: www.centralbank.ie/regulation/i...
Research Technical Paper The Decline in Average Hours Worked in Ireland Enda Keenan Vol. 2026, No. 1
Today we've published a Research Technical Paper entitled “The Decline in Average Hours Worked in Ireland”, written by Enda Keenan. Read on here: centralbank.ie/research-exc...
Publication: Review of Interest Rate Cap on High Cost Credit
We have published a new report, “Review of the Interest Rate Cap on High Cost Credit”. Read the report here www.centralbank.ie/publication/...
Irish Retail Payments Forum - call for expressions of interest
The Irish Retail Payments Forum is calling for expressions of interest from the demand side of the market (e.g. merchant/retailer, including associations) to become a rotational member. Read the details in full here www.centralbank.ie/financial-sy...
Innovation Data Challenge 2026
Central Bank of Ireland and Banca d’Italia have launched the Innovation Data Challenge 2026. The theme of the inaugural challenge will be “Using data to foster innovation in the retail payments market”. www.centralbank.ie/news/article...
Statistics release: Retail Interest Rates November 2025 Over the last year, the volume of mortgage renegotiations has increased while interest rates on renegotiations have been stable
📊 Retail interest rates statistics for November 2025 are now available. Read more here: centralbank.ie/statistics/d...
Infographic depicting the text in the notice about health insurance
If your current health insurance plan is due for renewal soon, you can contact your health insurance provider for a full suitability assessment. There may be a plan better suited to your current needs, circumstances and affordability level. Read more centralbank.ie/insurance
In November, clothing spending stood at €563.43 million. In 2025 Irish consumers spent more money on clothing when compared to 2024.
💳 Monthly Card Payment statistics for November 2025 are now available. Read more here: centralbank.ie/statistics/d...
Welcome to the euro zone, Bulgaria!
We are delighted to share that Bulgaria has adopted the euro as its official currency on 1 January 2026, making it the 21st member of the Eurosystem.
A Christmas photo showing hand made decorations
🎅🎄 Season’s greetings from Central Bank of Ireland.
Beannachtaí na séasúr ó Bhanc Ceannais na hÉireann.
