Skip to main content

Currency Markets

German Confidence Beats Forecasts Again: What It Means for GBP/EUR

Christopher Gutfreund

Christopher Gutfreund

Founder · 18 August 2026 · 2 min read

Currencies Covered:

GBPEURGBP-EUR

German investor expectations rose to 34.2 in August, a fourth straight gain, hardening the case for an ECB rise in September and leaving GBP/EUR near 1.1690.

The ZEW Indicator of Economic Sentiment, a monthly survey of analysts and institutional investors run by the Mannheim research institute of the same name, rose to 34.2 points in August from 26.3 in July. Economists had expected 30.0. It is the fourth consecutive monthly gain and the strongest reading since February. The companion gauge of current conditions, which asks the same 185 respondents how the economy feels today rather than in six months, climbed to minus 61.1 from minus 77.6. That is a jump of 16.5 points and comfortably ahead of forecasts near minus 69.

ZEW put the improvement down to solid quarterly results from German companies and a recent run of strong exports, supported by federal infrastructure spending. The sector detail is where the recovery shows. Expectations for the vehicle industry leapt 22.2 points, chemicals, pharmaceuticals and mechanical engineering all firmed, and the reading for private consumption improved from minus 15.2 to minus 6.2. One risk sits outside the corporate accounts. Record low water on the Rhine is limiting barge loads for chemical producers, steelmakers and utilities, and ZEW flagged it as an acute threat to activity in the coming weeks. The eurozone version of the survey told the same story, rising to 31.4 from 23.4 against a forecast of 25.0.

That matters for the European Central Bank. It left its deposit rate, the rate it pays banks on reserves and its main lever on borrowing costs, at 2.25% in July, after a surprise quarter point rise in June taken in response to energy costs pushing inflation above target. The bank's own projection has inflation averaging 3.0% this year. A survey showing confidence building through the summer removes the growth objection to tightening again, even in an economy that grew just 0.2% in the second quarter. Markets have all but fully priced a move to 2.50% on 10 September. Confidence is running well ahead of conditions, and the distance between plus 34.2 and minus 61.1 is the whole German story in two numbers.

What it means for GBP/EUR

Sterling gave ground. GBP/EUR traded around 1.1690 after the release, down from the 1.1721 it reached last Wednesday and back toward the lower half of an August range that has held between roughly 1.1650 and 1.1720. The pound still carries a wide rate advantage, with Bank Rate at 3.75% against the ECB's 2.25%, worth 150 basis points. That gap narrows to 125 if the ECB moves next month and the Bank of England holds on 17 September, which is what markets currently expect. For a business paying euro suppliers through the autumn, a forward contract fixes today's rate for a payment due on a future date, and the case for using one is stronger before two central banks meet than after.

TEL +44(0)161 250 3375
ICO No. ZA532056 | Company No. 11973815

UNITED KINGDOM END CUSTOMERS: Payment and e-money services are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: 1 Sheldon Square, London, W2 6TT, United Kingdom. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199) | UNITED STATES END CUSTOMERS: Payment services in the United States are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here: https://usa.visa.com/legal/visa-global-services-licenses.html VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041 | EEA END CUSTOMERS: The issuance of e-money and the provision of related payment services for Medlock & Thames are provided by CurrencyCloud B.V. CurrencyCloud B.V. is registered with the Dutch Chamber of Commerce in the Netherlands under number 72186178. Registered office Mr. Treublaan 7, 1097 DP, Amsterdam, Netherlands. CurrencyCloud B.V. is licensed and regulated by De Nederlandsche Bank as an Electronic Money Institution (Relation Number: R142701). https://www.currencycloud.com/legal/terms/ | Medlock & Thames’ payment and foreign currency exchange services are provided by Global Currency Exchange Network Ltd T/A GC Partners. Global Currency Exchange Network Ltd is authorised by the FCA under the Payment Services Regulations, 2017 (FRN: 504346). Registered as a Money Services Business, regulated by HM Revenue & Customs (“HMRC”) under the Money Laundering Regulations 2017. (Registration number is 12137189). Registered in England and Wales. Company number 04675786. Registered Office 3rd Floor 100 New Bond Street, London, England, W1S 1SP.