This page was machine-translated from English. Rates, banks and figures are identical to the English page.
Deposit rates by country
41 countries. "Read daily" is how many providers we read rates for automatically; the rest are listed with a link to the bank's own rate page.
| Country | Best 12m | Read daily / listed | Official benchmark | Deposit protection |
|---|---|---|---|---|
| 🇮🇳 Indiafixed deposit | 7.25% | 10 / 11 | 5.50% RBI policy repo rate | DICGC ₹500,000 |
| 🇨🇳 Chinatime deposit | – | 6 / 7 | – | Deposit Insurance (存款保险条例) 500,000 CNY |
| 🇺🇸 United StatesCD | 4.50% | 8 / 11 | 4.00% Federal funds target range, upper bound (NY Fed) | FDIC $250,000 |
| 🇮🇩 Indonesiadeposito berjangka | 7.25% | 6 / 6 | 5.75% BI-Rate | LPS Rp2,000,000,000 |
| 🇵🇰 Pakistanterm deposit | – | 0 / 5 | – | DPC 1,000,000 PKR |
| 🇧🇷 BrazilCDB | – | 0 / 5 | – | FGC (Fundo Garantidor de Créditos) 250,000 BRL |
| 🇧🇩 Bangladeshfixed deposit | – | 1 / 5 | – | Deposit Protection (Bangladesh Bank) |
| 🇲🇽 Mexicopagaré | – | 3 / 9 | – | IPAB (Instituto para la Protección al Ahorro Bancario) 400,000 MXV |
| 🇯🇵 Japantime deposit | 1.40% | 8 / 8 | 1.228% Uncollateralized overnight call rate (BOJ policy rate operating target), daily average | Deposit Insurance Corporation of Japan (DICJ) ¥10,000,000 |
| 🇵🇭 Philippinestime deposit | 3.50% | 4 / 6 | – | PDIC ₱1,000,000 |
| 🇻🇳 Vietnamtiền gửi tiết kiệm có kỳ hạn | – | 3 / 7 | – | DIV 125,000,000 VND |
| 🇹🇷 Turkeyvadeli mevduat | – | 0 / 6 | – | Savings Deposit Insurance Fund (SDIF / TMSF) 1,200,000 TRY |
| 🇩🇪 GermanyFestgeld | 3.00% | 5 / 8 | 2.50% ECB deposit facility rate | Entschädigungseinrichtung deutscher Banken (EdB), statutory deposit guarantee for private banks €100,000 |
| 🇬🇧 United Kingdomfixed-rate bond | 4.99% | 11 / 15 | 3.75% Bank of England Bank Rate | FSCS (Financial Services Compensation Scheme) £120,000 |
| 🇫🇷 Francecompte à terme | 2.80% | 2 / 6 | 2.50% ECB deposit facility rate | Fonds de Garantie des Dépôts et de Résolution (FGDR) €100,000 |
| 🇹🇭 Thailandfixed deposit | – | 2 / 6 | – | DPA 1,000,000 THB |
| 🇿🇦 South Africafixed deposit | – | 0 / 5 | – | Corporation for Deposit Insurance (CODI), South African Reserve Bank 100,000 ZAR |
| 🇮🇹 Italyconto deposito vincolato | 4.00% | 1 / 5 | 2.50% ECB deposit facility rate | Fondo Interbancario di Tutela dei Depositi (FITD); cooperative credit banks: Fondo di Garanzia dei Depositanti del Credito Cooperativo (FGDCC) €100,000 |
| 🇰🇷 South Koreatime deposit | – | 3 / 7 | – | Korea Deposit Insurance Corporation (KDIC) 100,000,000 KRW |
| 🇪🇸 Spaindepósito a plazo fijo | 3.00% | 3 / 6 | 2.50% ECB deposit facility rate | Fondo de Garantía de Depósitos de Entidades de Crédito (FGD) €100,000 |
| 🇨🇦 CanadaGIC | 3.75% | 8 / 9 | 2.25% Bank of Canada target for the overnight rate (policy rate) | CDIC C$100,000 |
| 🇵🇱 Polandlokata terminowa | – | 2 / 9 | – | BFG (Bankowy Fundusz Gwarancyjny, Bank Guarantee Fund) €100,000 |
| 🇸🇦 Saudi Arabiatime deposit | – | 0 / 5 | – | unknown |
| 🇲🇾 Malaysiafixed deposit | 1.90% | 9 / 10 | 2.75% Overnight Policy Rate (OPR) | PIDM RM250,000 |
| 🇦🇺 Australiaterm deposit | 5.55% | 10 / 11 | – | Financial Claims Scheme (FCS) A$250,000 |
| 🇹🇼 Taiwantime deposit | – | 5 / 8 | – | Central Deposit Insurance Corporation (CDIC) 3,000,000 TWD |
| 🇨🇱 Chiledepósito a plazo | – | 0 / 6 | – | Garantía estatal de depósitos (Ley General de Bancos, arts. 144-153) 200 CLF |
| 🇳🇱 Netherlandsdeposito | 2.25% | 2 / 5 | 2.50% ECB deposit facility rate | Depositogarantiestelsel (DGS), administered by De Nederlandsche Bank (DNB) €100,000 |
| 🇧🇪 Belgiumcompte à terme | – | 0 / 5 | – | Fonds de garantie pour les services financiers (Garantiefonds) €100,000 |
| 🇦🇪 United Arab Emiratesfixed deposit | 2.85% | 1 / 7 | – | unknown |
| 🇵🇹 Portugaldepósito a prazo | – | 4 / 5 | – | Fundo de Garantia de Depósitos (FGD) €100,000 |
| 🇸🇪 Swedenfasträntekonto | – | 3 / 7 | – | Insättningsgarantin (Swedish deposit insurance, Riksgälden) 1,150,000 SEK |
| 🇦🇹 AustriaFestgeld | – | 2 / 5 | – | Einlagensicherung AUSTRIA (ESA) €100,000 |
| 🇨🇭 SwitzerlandFestgeld | – | 2 / 8 | – | esisuisse (Swiss depositor protection) 100,000 CHF |
| 🇭🇰 Hong Kongtime deposit | 3.45% | 6 / 10 | 4.25% HKMA Base Rate (discount window) | Deposit Protection Scheme (DPS) HK$800,000 |
| 🇩🇰 Denmarkfastrenteopsparing | – | 0 / 5 | – | Garantiformuen (Danish Guarantee Fund for Depositors and Investors) €100,000 |
| 🇸🇬 Singaporefixed deposit | 2.10% | 14 / 17 | 1.90% 6-month T-bill cut-off yield (BS26120W) | SDIC Deposit Insurance Scheme S$100,000 |
| 🇳🇴 Norwayfastrenteinnskudd | – | 1 / 7 | – | Bankenes sikringsfond (Norwegian Banks' Guarantee Fund) 2,000,000 NOK |
| 🇮🇪 Irelandfixed term deposit | 2.15% | 4 / 8 | 2.50% ECB deposit facility rate | Deposit Guarantee Scheme (DGS), operated by the Central Bank of Ireland €100,000 |
| 🇳🇿 New Zealandterm deposit | 4.15% | 7 / 7 | 2.75% RBNZ official cash rate (OCR) | Depositor Compensation Scheme (DCS) NZ$100,000 |
| 🇶🇦 Qatarfixed deposit | – | 0 / 5 | – | unknown |
Benchmarks come from each central bank or treasury (apidocs.hkma.gov.hk, bankofcanada.ca, bankofengland.co.uk, banque-france.fr, bi.go.id, bnm.gov.my, boj.or.jp, ecb.europa.eu, fiscaldata.treasury.gov, mas.gov.sg, newyorkfed.org, nsandi.com, rbi.org.in, rbnz.govt.nz, stat-search.boj.or.jp). Deposit protection facts link to the official scheme on each country page.