Dutch savings rate and inflation, January 2026
Monthly report on Dutch savings rates, inflation and interest rates in January 2026, based on official data.
- Average savings rate: 1.24% — vs previous month unchanged (0.00% pp); vs a year earlier down (-0.31% pp).
- Inflation: 2.2% — vs previous month down (-0.5% pp).
- Real savings return: -0.96%.
- Average fixed-term deposit rate ≤1 year (new business): 2.21%.
- ECB deposit facility rate: 2.00%.
- Dutch 10-year government bond yield: 2.94%.
What does it mean? With €10,000 in an average savings account you lost roughly €96 of purchasing power on an annual basis in January 2026. A deposit ≤1 year (2.21%) did beat inflation.
- 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.