Consumer Credit

The Consumer Credit released by the Bank of England is an amount of money that individuals borrowed in the previous month. It shows if consumers can afford large expenses, which can fuel economic growth. However, a high figure may also indicate that the economy is overheating, as consumers borrow in order to live beyond their means. A high reading is seen as positive for the GBP, whereas a low reading is seen as negative.

Next event - Friday 30 January 2026 09:30

Previous
£2.077B
Forecast
£1.7B
Actual
-

The typical/expected market impact of this event is low.

The consensus forecast for Consumer Credit is £1.7B. A higher value than forecast tends to be bullish for GBP/xxx pairs and bearish for xxx/GBP pairs.

Most recent - Monday 5 January 2026 09:30

Previous
£1.119B
Revised
£1.713B
Forecast
-
Actual
£2.077B

Trading range

Forecast history

The most recent announced value for Consumer Credit was £2.077B.

Past events

Date
Forecast
Actual
Monday 5 January 2026 09:30
-
£2.077B
Monday 1 December 2025 09:30
-
£1.119B
Wednesday 29 October 2025 09:30
-
£1.491B
Monday 29 September 2025 08:30
£1.6B
£1.692B
Monday 1 September 2025 08:30
-
£1.622B
Tuesday 29 July 2025 08:30
£1.2B
£1.417B
Monday 30 June 2025 08:30
£1.1B
£0.859B
Monday 2 June 2025 08:30
£1.1B
£1.58B
Thursday 1 May 2025 08:30
£1.2B
£0.875B
Monday 31 March 2025 08:30
-
£1.358B
Monday 3 March 2025 09:30
-
£1.74B
Thursday 30 January 2025 09:30
£0.95B
£1.045B
Friday 3 January 2025 09:30
£1.2B
£0.878B
Friday 29 November 2024 09:30
£1.3B
£1.098B
Tuesday 29 October 2024 09:30
£1.4B
£1.231B
Monday 30 September 2024 08:30
-
£1.295B
Friday 30 August 2024 08:30
£1.3B
£1.215B
Monday 29 July 2024 08:30
-
£1.162B
Monday 1 July 2024 08:30
-
£1.513B
Friday 31 May 2024 08:30
£1.5B
£0.73B
Tuesday 30 April 2024 08:30
-
£1.577B
Tuesday 2 April 2024 08:30
£1.6B
£1.378B
Thursday 29 February 2024 09:30
£1.6B
£1.877B
Tuesday 30 January 2024 09:30
£1.35B
£1.197B
Thursday 4 January 2024 09:30
£1.4B
£2.005B
Wednesday 29 November 2023 09:30
£1.5B
£1.289B
Monday 30 October 2023 09:30
£1.4B
£1.391B
Friday 29 September 2023 08:30
£1.3B
£1.644B
Wednesday 30 August 2023 08:30
£1.3B
£1.191B
Monday 31 July 2023 08:30
£1.3B
£1.661B
Thursday 29 June 2023 08:30
£1.5B
£1.144B
Thursday 1 June 2023 08:30
£1.5B
£1.586B
Thursday 4 May 2023 08:30
£1.2B
£1.574B
Wednesday 29 March 2023 08:30
£1.3B
£1.413B
Wednesday 1 March 2023 09:30
£0.8B
£1.597B
Tuesday 31 January 2023 09:30
£1.2B
£0.493B

Economic context

Recent economic data has been moderately bullish for GBP. Other recent announcements which may affect the market's interpretation of the next Consumer Credit result:

PreviousLatest
S&P Global Composite PMIBullish change51.453.9
S&P Global Manufacturing PMIBullish change50.651.6
S&P Global Services PMIBullish change51.454.3
Retail Sales (MoM)Bullish change-0.1%0.4%
Retail Sales (YoY)Bullish change1.8%2.5%
Retail Sales ex-Fuel (MoM)Bullish change-0.4%0.3%
Retail Sales ex-Fuel (YoY)Bullish change2.6%3.1%
GfK Consumer ConfidenceBullish change-17-16
Consumer Price Index (MoM)Bullish change-0.2%0.4%
Consumer Price Index (YoY)Bullish change3.2%3.4%
Core Consumer Price Index (YoY)(no change)3.2%3.2%
PPI Core Output (MoM) n.s.aBearish change0.1%-0.1%
PPI Core Output (YoY) n.s.a Bearish change3.6%3.2%
Producer Price Index - Output (MoM) n.s.aBearish change0.1%0%
Producer Price Index - Output (YoY) n.s.a(no change)3.4%3.4%
Retail Price Index (MoM)Bullish change-0.4%0.7%
Retail Price Index (YoY)Bullish change3.8%4.2%
Average Earnings Excluding Bonus (3Mo/Yr)Bearish change4.6%4.5%
Average Earnings Including Bonus (3Mo/Yr)Bearish change4.8%4.7%
Claimant Count ChangeBearish change-3.3K17.9K
Claimant Count RateBearish change4.3%4.4%
Employment Change (3M)Bullish change-17K82K
ILO Unemployment Rate (3M)(no change)5.1%5.1%

About Consumer Credit

Country:United Kingdom
Currency:GBP
Source:Bank of England
Category:Consumption
Frequency:Monthly
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