# 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.

Economy · published 2026-10-26 06:50 · https://nlnow.nl/a/dutch-term-deposit-rates-climb-for-seventh-month-to-2-56/

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** (%; source: DNB)

- Sep 2024: 2.8
- Oct 2024: 2.69
- Nov 2024: 2.63
- Dec 2024: 2.49
- Jan 2025: 2.48
- Feb 2025: 2.37
- Mar 2025: 2.4
- Apr 2025: 2.45
- May 2025: 2.37
- Jun 2025: 2.3
- Jul 2025: 2.47
- Aug 2025: 2.39
- Sep 2025: 2.37
- Oct 2025: 2.34
- Nov 2025: 2.32
- Dec 2025: 2.27
- Jan 2026: 2.25
- Feb 2026: 2.31
- Mar 2026: 2.4
- Apr 2026: 2.45
- May 2026: 2.5
- Jun 2026: 2.53
- Jul 2026: 2.55
- Aug 2026: 2.56

**Savings account rate has barely moved since autumn 2025** (%; source: DNB)

- Sep 2024: 1.61
- Oct 2024: 1.62
- Nov 2024: 1.61
- Dec 2024: 1.64
- Jan 2025: 1.6
- Feb 2025: 1.59
- Mar 2025: 1.58
- Apr 2025: 1.51
- May 2025: 1.37
- Jun 2025: 1.36
- Jul 2025: 1.31
- Aug 2025: 1.31
- Sep 2025: 1.3
- Oct 2025: 1.29
- Nov 2025: 1.29
- Dec 2025: 1.29
- Jan 2026: 1.29
- Feb 2026: 1.29
- Mar 2026: 1.29
- Apr 2026: 1.29
- May 2026: 1.29
- Jun 2026: 1.3
- Jul 2026: 1.3
- Aug 2026: 1.31

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.

## Background

- **DNB (De Nederlandsche Bank)**: The Dutch central bank. It is part of the European system of central banks and supervises banks, insurers and pension funds.

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