Chapter 02 · Beat inflation
Dutch savings rate vs inflation
The real return on Dutch savings (savings rate minus inflation) was -1.74% in September 2026. All figures, updated daily from official sources.
Avg. savings rate1.26%September 2026
Inflation3.3%October 2026
Real savings return-1.74%September 2026
ECB deposit facility rate2.50%2026-11-07
Dutch 10-year government bond yield3.56%September 2026
- Average Dutch savings rate (instant access)
- Dutch inflation (HICP, year on year)
- ECB deposit facility rate
Last 24 months
| Month | Average Dutch savings rate (instant access) | Average fixed-term deposit rate ≤1 year (new business) | Dutch inflation (HICP, year on year) | ECB deposit facility rate | Dutch 10-year government bond yield |
|---|---|---|---|---|---|
| November 2026 | – | – | – | 2.50% | – |
| October 2026 | – | – | 3.30% | 2.50% | – |
| September 2026 | 1.26% | 2.65% | 3.00% | 2.50% | 3.56% |
| August 2026 | 1.26% | 2.54% | 2.80% | 2.25% | 3.29% |
| July 2026 | 1.25% | 2.54% | 3.00% | 2.25% | 3.19% |
| June 2026 | 1.25% | 2.52% | 2.50% | 2.25% | 3.08% |
| May 2026 | 1.24% | 2.47% | 3.40% | 2.00% | 3.17% |
| April 2026 | 1.24% | 2.43% | 2.50% | 2.00% | 3.15% |
| March 2026 | 1.24% | 2.37% | 2.60% | 2.00% | 3.03% |
| February 2026 | 1.24% | 2.26% | 2.30% | 2.00% | 2.85% |
| January 2026 | 1.24% | 2.21% | 2.20% | 2.00% | 2.94% |
| December 2025 | 1.24% | 2.23% | 2.70% | 2.00% | 2.97% |
| November 2025 | 1.24% | 2.22% | 2.60% | 2.00% | 2.83% |
| October 2025 | 1.24% | 2.27% | 3.00% | 2.00% | 2.79% |
| September 2025 | 1.24% | 2.31% | 3.00% | 2.00% | 2.88% |
| August 2025 | 1.26% | 2.30% | 2.40% | 2.00% | 2.88% |
| July 2025 | 1.26% | 2.40% | 2.60% | 2.00% | 2.84% |
| June 2025 | 1.30% | 2.23% | 2.70% | 2.00% | 2.76% |
| May 2025 | 1.32% | 2.30% | 2.90% | 2.25% | 2.80% |
| April 2025 | 1.44% | 2.39% | 4.10% | 2.25% | 2.71% |
| March 2025 | 1.52% | 2.33% | 3.40% | 2.50% | 2.94% |
| February 2025 | 1.54% | 2.31% | 3.50% | 2.75% | 2.63% |
| January 2025 | 1.55% | 2.43% | 3.00% | 3.00% | 2.73% |
| December 2024 | 1.59% | 2.43% | 3.90% | 3.00% | 2.45% |
Sources and definitions
- Average Dutch savings rate (instant access): ECB MFI Interest Rate Statistics (MIR), deposits redeemable at notice ≤3 months, households, NL
- Average fixed-term deposit rate ≤1 year (new business): ECB MIR, deposits with agreed maturity up to 1 year, households, NL, new business
- Dutch inflation (HICP, year on year): Eurostat prc_hicp_minr, all-items HICP, annual rate of change, NL
- ECB deposit facility rate: ECB Financial Markets data, deposit facility rate
- Dutch 10-year government bond yield: ECB Long-term interest rate statistics, NL 10y
Frequently asked questions
Is the Dutch savings rate higher than inflation?
In September 2026 the average savings rate was 1.26% and inflation 3.0%, a real return of -1.74%.
What does a fixed-term deposit pay on average?
2.65% in September 2026 (ECB MIR, deposits with agreed maturity up to 1 year, households, NL, new business).
Next · chapter 03
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