Dutch savings rate and inflation, December 2025
Monthly report on Dutch savings rates, inflation and interest rates in December 2025, based on official data.
- Average savings rate: 1.24% — vs previous month unchanged (0.00% pp); vs a year earlier down (-0.35% pp).
- Inflation: 2.7% — vs previous month up (+0.1% pp).
- Real savings return: -1.46%.
- Average fixed-term deposit rate ≤1 year (new business): 2.23%.
- ECB deposit facility rate: 2.00%.
- Dutch 10-year government bond yield: 2.97%.
What does it mean? With €10,000 in an average savings account you lost roughly €146 of purchasing power on an annual basis in December 2025.
- Average Dutch savings rate (instant access)
- Dutch inflation (HICP, year on year)
- ECB deposit facility rate
Do the maths: box 3 calculator · FIRE calculator · all data.