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New term deposits pay savers 2.56%, highest since 2024

New term deposits paid households an average 2.56% in August 2026, up from 2.39% a year earlier, while the rate on savings accounts was 1.31%, the same as a year earlier, De Nederlandsche Bank (DNB) figures show.

NLnow newsroom

1 min read

Households that put money into a new term deposit in August 2026 earned an average 2.56%, the highest since November 2024, when the rate was 2.63%, according to DNB, the Dutch central bank. A year earlier the rate was 2.39%.

The average rate on savings accounts already held by households was 1.31% in August, the same as a year earlier. It was 1.64% in December 2024, DNB says.

Term deposit rates recover while savings rates stay flat

% · Sep 2024–Aug 2026

2.22.42.62.8Sep 2024: 2.8Oct 2024: 2.69Nov 2024: 2.63Dec 2024: 2.49Jan 2025: 2.48Feb 2025: 2.37Mar 2025: 2.4Apr 2025: 2.45May 2025: 2.37Jun 2025: 2.3Jul 2025: 2.47Aug 2025: 2.39Sep 2025: 2.37Oct 2025: 2.34Nov 2025: 2.32Dec 2025: 2.27Jan 2026: 2.25Feb 2026: 2.31Mar 2026: 2.4Apr 2026: 2.45May 2026: 2.5Jun 2026: 2.53Jul 2026: 2.55Aug 2026: 2.562.25Sep 2024Jan 2025May 2025Sep 2025Jan 2026Aug 20262.56
View data
Item%
Sep 20242.8
Oct 20242.69
Nov 20242.63
Dec 20242.49
Jan 20252.48
Feb 20252.37
Mar 20252.4
Apr 20252.45
May 20252.37
Jun 20252.3
Jul 20252.47
Aug 20252.39
Sep 20252.37
Oct 20252.34
Nov 20252.32
Dec 20252.27
Jan 20262.25
Feb 20262.31
Mar 20262.4
Apr 20262.45
May 20262.5
Jun 20262.53
Jul 20262.55
Aug 20262.56
Source: DNB | NLnow graphic

Savings account rate has barely moved since autumn 2025

% · Sep 2024–Aug 2026

1.21.31.41.51.61.7Sep 2024: 1.61Oct 2024: 1.62Nov 2024: 1.61Dec 2024: 1.64Jan 2025: 1.6Feb 2025: 1.59Mar 2025: 1.58Apr 2025: 1.51May 2025: 1.37Jun 2025: 1.36Jul 2025: 1.31Aug 2025: 1.31Sep 2025: 1.3Oct 2025: 1.29Nov 2025: 1.29Dec 2025: 1.29Jan 2026: 1.29Feb 2026: 1.29Mar 2026: 1.29Apr 2026: 1.29May 2026: 1.29Jun 2026: 1.3Jul 2026: 1.3Aug 2026: 1.311.641.29Sep 2024Jan 2025May 2025Sep 2025Jan 2026Aug 20261.31
View data
Item%
Sep 20241.61
Oct 20241.62
Nov 20241.61
Dec 20241.64
Jan 20251.6
Feb 20251.59
Mar 20251.58
Apr 20251.51
May 20251.37
Jun 20251.36
Jul 20251.31
Aug 20251.31
Sep 20251.3
Oct 20251.29
Nov 20251.29
Dec 20251.29
Jan 20261.29
Feb 20261.29
Mar 20261.29
Apr 20261.29
May 20261.29
Jun 20261.3
Jul 20261.3
Aug 20261.31
Source: DNB | NLnow graphic

The term deposit rate fell from 2.8% in September 2024 to a low of 2.25% in January 2026. It has risen every month since, to 2.56% in August.

The savings account rate fell to 1.29% in October 2025 and stayed there until May 2026. It then edged up to 1.31% in August.

More on business and companies

Guide: Box 3: Dutch tax on savings and investments in 2026