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Cost of moneyNew Zealand

Deposit rate in New Zealand

What does parked money earn there?

New Zealand's deposit rate is 3.95 % — #41 of 70 countries on the atlas (higher is better). Period 2025.

3.95%

Checked 22 Sept 2026Period 2025

Source: IMF International Financial Statistics

Deposit rate in New Zealand over time

11.65 %6.33 %1.01 %11.65 % · 19901.01 % · 20211990: 11.65 %1991: 8.93 %1992: 6.58 %1993: 6.24 %1994: 6.38 %1995: 8.49 %1996: 8.49 %1997: 7.26 %1998: 6.78 %1999: 4.56 %2000: 6.36 %2001: 5.35 %2002: 5.33 %2003: 5.10 %2004: 5.77 %2005: 6.68 %2006: 6.92 %2007: 7.78 %2008: 7.55 %2009: 4.04 %2010: 4.58 %2011: 4.27 %2012: 4.11 %2013: 3.83 %2014: 4.01 %2015: 3.73 %2016: 3.23 %2017: 3.30 %2018: 3.26 %2019: 3.00 %2020: 1.68 %2021: 1.01 %2022: 2.82 %2023: 5.52 %2024: 5.73 %2025: 3.95 %1990200820253.95 %
36 official observations, 1990 → 2025. Every point is a published value — never interpolated.
Rank
#41 of 70
higher is better
Ranked behind
41 %
29 of 70 countries
Latest move
▼ 1.78 pp
since 2024
Below its peak
7.70 pp
peak 11.65 % in 1990
Full series
▼ 7.70 pp
since 1990

vs median 4.96 %: −1.01 pp (worse)

Among 70 countries

10 of 70 countries between 0.14 % and 0.93 %6 of 70 countries between 0.93 % and 1.73 %6 of 70 countries between 1.73 % and 2.52 %5 of 70 countries between 2.52 % and 3.31 %3 of 70 countries between 3.31 % and 4.10 %5 of 70 countries between 4.10 % and 4.89 %6 of 70 countries between 4.89 % and 5.69 %5 of 70 countries between 5.69 % and 6.48 %3 of 70 countries between 6.48 % and 7.27 %5 of 70 countries between 7.27 % and 8.06 %3 of 70 countries between 8.86 % and 9.65 %3 of 70 countries between 9.65 % and 10.44 %2 of 70 countries between 10.44 % and 11.24 %2 of 70 countries between 11.24 % and 12.03 %2 of 70 countries between 12.03 % and 12.82 %1 of 70 countries between 14.41 % and 15.20 %3 of 70 countries between 18.37 % and 19.16 %median 4.82 %New Zealand: ahead of 41 % of the 70 countries with a published deposit rateNew Zealand 3.95 %0.14 %19.16 %
Half of all 70 countries sit between 1.89 % and 7.70 %. New Zealand is ahead of 41 % of them. Axis trimmed to the 2nd–98th percentile; 3 values beyond it sit in the end bars.

The neighbourhood

#CountryDeposit ratevs New Zealand
39 Mauritius4.54 %+0.59 pp
40 Haiti4.28 %+0.33 pp
41 New Zealand3.95 %—
42 Bolivia3.92 %−0.03 pp
43 Costa Rica3.44 %−0.51 pp

Bank deposit rate, IMF-harmonised — what parked money earns.

How to read this figure

The IMF-harmonised deposit rate — what banks pay on deposits. Compare it with inflation: a deposit rate below inflation means parked money loses purchasing power even inside the bank. Same harmonisation trade-off as the lending rate.

Next, about New Zealand

Savings vs inflationInflation rate
Deposit rate, all countries ranked →Compare New Zealand with another country →Everything about New Zealand →
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