Savers earn 2.56% on new term deposits
The average rate on new term deposits for households reached 2.56% in August, according to De Nederlandsche Bank (DNB). Rates on ordinary savings accounts stayed level with a year earlier.
Dutch households earned an average of 2.56% on new term deposits in August 2026, up from 2.39% a year earlier, according to the Dutch central bank, DNB. The rate has risen every month since February 2026.
The average rate on outstanding savings accounts was 1.31% in August, exactly the same as in August 2025. It was 1.29% from October 2025 through May 2026, then edged up to 1.30% in both June and July, and to 1.31% in August.
The term deposit rate fell from 2.8% in September 2024 to a low of 2.25% in January 2026 before turning upward.
Savings rates have barely moved since mid-2025
% · Sep 2024–Aug 2026
Savings rates have barely moved since mid-2025 (%). From 1.61 in Sep 2024 to 1.31 in Aug 2026; highest 1.64 in Dec 2024, lowest 1.29 in Oct 2025. Source: DNB.
View data
| Item | % |
|---|---|
| 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 |
More on business and companies
Guide: Box 3: Dutch tax on savings and investments in 2026
Follow the story: DNB
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.