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 - Tuesday 1 September 2026 08:30

Previous
£1.807B
Forecast
£1.8B
Actual
-

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

The consensus forecast for Consumer Credit is £1.8B. A higher value than forecast tends to be bullish for GBP/xxx pairs and bearish for xxx/GBP pairs.

Most recent - Wednesday 29 July 2026 08:30

Previous
£1.662B
Revised
£1.723B
Forecast
£1.7B
Actual
£1.807B

Higher numbers than forecast tend to be bullish for GBP/xxx pairs and bearish for xxx/GBP pairs.

Trading range

Forecast history

The most recent announced value for Consumer Credit was £1.807B against a forecast of £1.7B.

Past events

Date
Forecast
Actual
Wednesday 29 July 2026 08:30
£1.7B
£1.807B
Monday 29 June 2026 08:30
-
£1.662B
Tuesday 2 June 2026 08:30
£1.7B
£1.859B
Friday 1 May 2026 08:30
£1.8B
£1.895B
Monday 30 March 2026 08:30
£1.6B
£1.935B
Monday 2 March 2026 09:30
-
£1.812B
Friday 30 January 2026 09:30
£1.7B
£1.524B
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

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 change52.252.5
S&P Global Manufacturing PMIBearish change51.951.5
S&P Global Services PMIBullish change52.152.8
Retail Sales (MoM)Bearish change0.7%-0.5%
Retail Sales (YoY)Bearish change3.8%1.6%
Retail Sales ex-Fuel (MoM)Bearish change0.9%-0.9%
Retail Sales ex-Fuel (YoY)Bearish change5%2.3%
GfK Consumer ConfidenceBullish change-17-14
Consumer Price Index (MoM)Bullish change0.1%0.3%
Consumer Price Index (YoY)Bullish change2.6%2.9%
Core Consumer Price Index (YoY)(no change)2.6%2.6%
PPI Core Output (MoM) n.s.aBullish change0.5%0.6%
PPI Core Output (YoY) n.s.a Bullish change2.6%2.8%
Producer Price Index - Output (MoM) n.s.aBullish change-0.1%0.2%
Producer Price Index - Output (YoY) n.s.aBearish change3.5%3.1%
Retail Price Index (MoM)Bullish change0.3%0.6%
Retail Price Index (YoY)Bullish change3%3.2%
Average Earnings Excluding Bonus (3Mo/Yr)Bullish change3.4%3.5%
Average Earnings Including Bonus (3Mo/Yr)Bearish change4.4%4.1%
Claimant Count ChangeBullish change-6.4K-11K
Claimant Count RateBullish change4.4%4.3%
Employment Change (3M)Bearish change147K83K
ILO Unemployment Rate (3M)(no change)4.9%4.9%

About Consumer Credit

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