Every rate we ever recorded, per offer, with the period it applied. Rates are never overwritten: a change is always a new row. For the period before our own measurements we use archived versions of the bank's own page.
This is the average banks in a country actually paid on new household deposits, published monthly by the ECB. It is structurally below the highest rate above: most people save at their main bank. The gap between the two lines is roughly what switching earns.
| Depositosparen · Direct |
| Deposit 3 years |
| 1.30% |
| 29 Sep 2022 |
| 4 Feb 2023 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 2 years | 1.00% | 29 Sep 2022 | 4 Feb 2023 |
| Nationale-Nederlanden | Internetsparen · Direct | Instant access | 0.00% | 29 Sep 2022 | 4 Feb 2023 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 10 years | 1.05% | 18 May 2022 | 29 Sep 2022 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 9 years | 1.00% | 18 May 2022 | 29 Sep 2022 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 8 years | 0.95% | 18 May 2022 | 29 Sep 2022 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 7 years | 0.90% | 18 May 2022 | 29 Sep 2022 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 6 years | 0.85% | 18 May 2022 | 29 Sep 2022 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 5 years | 0.80% | 18 May 2022 | 29 Sep 2022 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 4 years | 0.70% | 18 May 2022 | 29 Sep 2022 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 3 years | 0.50% | 18 May 2022 | 29 Sep 2022 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 2 years | 0.10% | 18 May 2022 | 29 Sep 2022 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 10 years | 0.10% | 13 Aug 2021 | 18 May 2022 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 9 years | 0.05% | 13 Aug 2021 | 18 May 2022 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 8 years | 0.03% | 13 Aug 2021 | 18 May 2022 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 7 years | 0.02% | 13 Aug 2021 | 18 May 2022 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 6 years | 0.01% | 13 Aug 2021 | 18 May 2022 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 10 years | 0.15% | 22 Jun 2021 | 13 Aug 2021 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 9 years | 0.13% | 22 Jun 2021 | 13 Aug 2021 |
| Nationale-Nederlanden | Depositosparen · Direct | Deposit 8 years | 0.10% | 22 Jun 2021 | 13 Aug 2021 |