Estonia Late-payment interest (EU Late Payment Directive)
Estonia Late-payment interest (EU Late Payment Directive) is 10.4 percent, in force since 1 Jul 2026. It was 10.15 percent before that. Last checked against the official source on 11 Sep 2026.
Statutory interest for late payment in commercial transactions under EU Directive 2011/7/EU: the ECB main refinancing rate in force on the first day of the calendar half-year, plus 8 percentage points. Derived live from this country's ecb-main-refinancing-rate series; fixed for the half-year, so it can differ from today's live MRO.
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| Current value | 10.4 percent |
|---|---|
| In force from | 2026-07-01 |
| Official source | Derived from the ECB main refinancing rate (this API's ecb-main-refinancing-rate series) under EU Directive 2011/7/EU, art. 2 (half-yearly snapshot) |
| Last verified | 2026-09-11 |
| Verification | derived — Computed from another series we hold, not read from any document. Computed from another series we hold (reference rate plus the statutory margin), not read from a document. |
| Provenance | source fingerprint |
What this value means
EU-harmonised statutory interest for late payment in commercial transactions = ECB main refinancing rate (snapshotted on 1 January / 1 July) + 8 percentage points (Directive 2011/7/EU, art. 2). This is the Directive MINIMUM and the figure the European Commission publishes per member state; national transposition may set a HIGHER rate for some transaction types. Because it is a half-yearly snapshot, the value tracks the MRO as of the half-year start, not today's live MRO. Derived live from this country's ecb-main-refinancing-rate series. Implemented in Estonia by the Law of Obligations Act (Volaoigusseadus, VOS) s.113(1): penalty interest = the s.94 base rate + 8 percentage points. The s.94 base rate equals the ECB main refinancing rate in force before 1 January / 1 July and is published by Eesti Pank (2.40% from 2026-07-01, giving 10.40%/year for H2 2026).
Earlier values
| From | Value | Source |
|---|---|---|
| 2025-07-01 | 10.15 | Derived from the ECB main refinancing rate (this API's… |
| 2025-01-01 | 11.15 | Derived from the ECB main refinancing rate (this API's… |
| 2024-07-01 | 12.25 | Derived from the ECB main refinancing rate (this API's… |
| 2024-01-01 | 12.5 | Derived from the ECB main refinancing rate (this API's… |
| 2023-07-01 | 12 | Derived from the ECB main refinancing rate (this API's… |
| 2023-01-01 | 10.5 | Derived from the ECB main refinancing rate (this API's… |
| 2016-07-01 | 8 | Derived from the ECB main refinancing rate (this API's… |
| 2015-01-01 | 8.05 | Derived from the ECB main refinancing rate (this API's… |
Get it programmatically
curl https://euroref.dev/v1/ee/late-payment-interest
# $0.005 per call — x402 on Base (USDC). No key, no signup.
# History: curl https://euroref.dev/v1/ee/late-payment-interest/history?from=2020-01-01
# Provenance: curl https://euroref.dev/provenance/ee/late-payment-interestOther Estonia series: Policy interest rate · Value added tax (kaibemaks) · VAT registration threshold · National minimum wage · Public holidays · Consumer price index (annual inflation) · Corporate income tax (distributed-profit model) · Withholding tax rates · Personal income tax · Statutory social-insurance contributions · ECB main refinancing operations rate (fixed rate) · Statutory default interest (viivis)
The same figure elsewhere: Finland · France · Germany · Greece · Ireland · all 25