Fiatmap

Bank spread

How much does the banking system take between savers and borrowers?

Lending rate minus deposit rate — what the banking system keeps between savers and borrowers. Our calculation from two IMF-harmonised series.

Qatar leads with 0.07 %; Madagascar sits last at 47.92 %. Best-for-you first — lower is better here.

Coverage: 62 of ~62 countries this field can reach — Derived — 62 catalogue countries carry both IMF rates inside the 5-year window

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Fiatmap, “Bank spread by country”, fiatmap.com/rankings/bank-spread. Licensed CC BY 4.0. Underlying data: official statistics (BIS, ECB, FRED, Eurostat, OECD, World Bank, SSB), each value dated at source.

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Top-10 table (live)

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World map

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14 of 62 countries between 1.46 % and 2.97 %12 of 62 countries between 2.97 % and 4.47 %11 of 62 countries between 4.47 % and 5.98 %10 of 62 countries between 5.98 % and 7.49 %6 of 62 countries between 7.49 % and 9.00 %2 of 62 countries between 9.00 % and 10.50 %3 of 62 countries between 10.50 % and 12.01 %1 of 62 countries between 18.04 % and 19.55 %3 of 62 countries between 36.12 % and 37.63 %median 5.32 %1.46 %37.63 %
Half of all 62 countries sit between 3.09 % and 7.18 %. Axis trimmed to the 2nd–98th percentile; 3 values beyond it sit in the end bars.

On the map

Fiji — Bank spread: 2.85 %Tanzania — no data yetW. Sahara — no data yetCanada — no data yetUnited States of America — no data yetKazakhstan — no data yetUzbekistan — no data yetPapua New Guinea — Bank spread: 8.03 %Indonesia — Bank spread: 3.09 %Argentina — Bank spread: 11.16 %Chile — no data yetDem. Rep. Congo — no data yetSomalia — no data yetKenya — Bank spread: 4.61 %Sudan — no data yetChad — no data yetHaiti — Bank spread: 8.73 %Dominican Republic — Bank spread: 5.48 %Russia — Bank spread: 2.47 %Bahamas — Bank spread: 3.66 %Falkland Is. — no data yetNorway — Bank spread: 2.67 %Greenland — no data yetFr. S. Antarctic Lands — no data yetTimor-Leste — no data yetSouth Africa — Bank spread: 3.21 %Lesotho — no data yetMexico — Bank spread: 6.24 %Uruguay — Bank spread: 2.76 %Brazil — Bank spread: 37.63 %Bolivia — Bank spread: 6.27 %Peru — Bank spread: 7.78 %Colombia — Bank spread: 5.35 %Panama — no data yetCosta Rica — Bank spread: 3.44 %Nicaragua — Bank spread: 6.89 %Honduras — Bank spread: 6.14 %El Salvador — no data yetGuatemala — Bank spread: 7.74 %Belize — Bank spread: 6.50 %Venezuela — no data yetGuyana — Bank spread: 7.45 %Suriname — Bank spread: 7.81 %France — no data yetEcuador — no data yetPuerto Rico — no data yetJamaica — no data yetCuba — no data yetZimbabwe — Bank spread: 40.12 %Botswana — Bank spread: 3.91 %Namibia — Bank spread: 5.58 %Senegal — no data yetMali — no data yetMauritania — no data yetBenin — no data yetNiger — no data yetNigeria — Bank spread: 7.18 %Cameroon — no data yetTogo — no data yetGhana — no data yetCôte d'Ivoire — no data yetGuinea — no data yetGuinea-Bissau — no data yetLiberia — no data yetSierra Leone — no data yetBurkina Faso — no data yetCentral African Rep. — no data yetCongo — no data yetGabon — no data yetEq. Guinea — no data yetZambia — no data yetMalawi — no data yetMozambique — Bank spread: 11.76 %eSwatini — no data yetAngola — Bank spread: 11.39 %Burundi — no data yetIsrael — Bank spread: 2.52 %Lebanon — no data yetMadagascar — Bank spread: 47.92 %Palestine — no data yetGambia — no data yetTunisia — no data yetAlgeria — Bank spread: 6.25 %Jordan — Bank spread: 2.63 %United Arab Emirates — no data yetQatar — Bank spread: 0.07 %Kuwait — Bank spread: 2.41 %Iraq — no data yetOman — no data yetVanuatu — no data yetCambodia — no data yetThailand — Bank spread: 3.84 %Laos — no data yetMyanmar — no data yetVietnam — no data yetNorth Korea — no data yetSouth Korea — Bank spread: 1.46 %Mongolia — Bank spread: 9.41 %India — no data yetBangladesh — no data yetBhutan — no data yetNepal — no data yetPakistan — Bank spread: 2.92 %Afghanistan — no data yetTajikistan — no data yetKyrgyzstan — Bank spread: 18.11 %Turkmenistan — no data yetIran — no data yetSyria — no data yetArmenia — Bank spread: 5.75 %Sweden — no data yetBelarus — Bank spread: 4.19 %Ukraine — Bank spread: 9.75 %Poland — no data yetAustria — no data yetHungary — Bank spread: 2.30 %Moldova — Bank spread: 4.23 %Romania — Bank spread: 3.29 %Lithuania — no data yetLatvia — no data yetEstonia — no data yetGermany — no data yetBulgaria — Bank spread: 3.99 %Greece — no data yetTurkey — no data yetAlbania — no data yetCroatia — no data yetSwitzerland — Bank spread: 2.74 %Luxembourg — no data yetBelgium — no data yetNetherlands — no data yetPortugal — no data yetSpain — no data yetIreland — no data yetNew Caledonia — no data yetSolomon Is. — no data yetNew Zealand — no data yetAustralia — no data yetSri Lanka — no data yetChina — no data yetTaiwan — no data yetItaly — no data yetDenmark — no data yetUnited Kingdom — no data yetIceland — no data yetAzerbaijan — Bank spread: 5.98 %Georgia — Bank spread: 5.32 %Philippines — no data yetMalaysia — Bank spread: 2.40 %Brunei — Bank spread: 5.19 %Slovenia — no data yetFinland — no data yetSlovakia — no data yetCzech Republic — Bank spread: 3.07 %Eritrea — no data yetJapan — no data yetParaguay — no data yetYemen — no data yetSaudi Arabia — no data yetN. Cyprus — no data yetCyprus — no data yetMorocco — no data yetEgypt — Bank spread: 5.13 %Libya — no data yetEthiopia — no data yetDjibouti — no data yetSomaliland — no data yetUganda — no data yetRwanda — Bank spread: 5.69 %Bosnia and Herzegovina — Bank spread: 2.21 %Macedonia — no data yetSerbia — no data yetMontenegro — Bank spread: 6.05 %Kosovo — no data yetTrinidad and Tobago — Bank spread: 6.00 %S. Sudan — no data yetFiji — Bank spread: 2.85 %Haiti — Bank spread: 8.73 %Dominican Republic — Bank spread: 5.48 %Bahamas — Bank spread: 3.66 %Costa Rica — Bank spread: 3.44 %Honduras — Bank spread: 6.14 %Guatemala — Bank spread: 7.74 %Belize — Bank spread: 6.50 %Israel — Bank spread: 2.52 %Jordan — Bank spread: 2.63 %Qatar — Bank spread: 0.07 %Kuwait — Bank spread: 2.41 %South Korea — Bank spread: 1.46 %Armenia — Bank spread: 5.75 %Hungary — Bank spread: 2.30 %Moldova — Bank spread: 4.23 %Switzerland — Bank spread: 2.74 %Azerbaijan — Bank spread: 5.98 %Georgia — Bank spread: 5.32 %Brunei — Bank spread: 5.19 %Czech Republic — Bank spread: 3.07 %Rwanda — Bank spread: 5.69 %Bosnia and Herzegovina — Bank spread: 2.21 %Montenegro — Bank spread: 6.05 %Trinidad and Tobago — Bank spread: 6.00 %Bank spread0.07 %47.92 %

The full ranking

1Qatar0.07 %2025Checked 23 Sept 2026
2South Korea1.46 %2025Checked 23 Sept 2026
3Bosnia and Herzegovina2.21 %2025Checked 23 Sept 2026
4Hungary2.30 %2025Checked 23 Sept 2026
5Malaysia2.40 %2025Checked 23 Sept 2026
6Kuwait2.41 %2025Checked 23 Sept 2026
7Russia2.47 %2024Checked 23 Sept 2026
8Israel2.52 %2022Checked 23 Sept 2026
9Jordan2.63 %2025Checked 23 Sept 2026
10Norway2.67 %2025Checked 23 Sept 2026
11Switzerland2.74 %2025Checked 23 Sept 2026
12Uruguay2.76 %2025Checked 23 Sept 2026
13Fiji2.85 %2024Checked 23 Sept 2026
14Pakistan2.92 %2021Checked 23 Sept 2026
15Czech Republic3.07 %2025Checked 23 Sept 2026
16Indonesia3.09 %2025Checked 23 Sept 2026
17South Africa3.21 %2025Checked 23 Sept 2026
18Romania3.29 %2025Checked 23 Sept 2026
19Costa Rica3.44 %2025Checked 23 Sept 2026
20Bahamas3.66 %2025Checked 23 Sept 2026
21Thailand3.84 %2025Checked 23 Sept 2026
22Botswana3.91 %2024Checked 23 Sept 2026
23Bulgaria3.99 %2025Checked 23 Sept 2026
24Belarus4.19 %2025Checked 23 Sept 2026
25Moldova4.23 %2025Checked 23 Sept 2026
26Mauritius4.46 %2025Checked 23 Sept 2026
27Kenya4.61 %2024Checked 23 Sept 2026
28Hong Kong4.98 %2025Checked 23 Sept 2026
29Egypt5.13 %2024Checked 23 Sept 2026
30Brunei5.19 %2025Checked 23 Sept 2026
31Georgia5.32 %2025Checked 23 Sept 2026
32Colombia5.35 %2025Checked 23 Sept 2026
33Dominican Republic5.48 %2024Checked 23 Sept 2026
34Namibia5.58 %2024Checked 23 Sept 2026
35Rwanda5.69 %2024Checked 23 Sept 2026
36Armenia5.75 %2025Checked 23 Sept 2026
37Azerbaijan5.98 %2025Checked 23 Sept 2026
38Trinidad and Tobago6.00 %2025Checked 23 Sept 2026
39Montenegro6.05 %2025Checked 23 Sept 2026
40Honduras6.14 %2025Checked 23 Sept 2026
41Mexico6.24 %2025Checked 23 Sept 2026
42Algeria6.25 %2025Checked 23 Sept 2026
43Bolivia6.27 %2025Checked 23 Sept 2026
44Belize6.50 %2025Checked 23 Sept 2026
45Nicaragua6.89 %2025Checked 23 Sept 2026
46Nigeria7.18 %2025Checked 23 Sept 2026
47Guyana7.45 %2025Checked 23 Sept 2026
48Guatemala7.74 %2025Checked 23 Sept 2026
49Peru7.78 %2022Checked 23 Sept 2026
50Suriname7.81 %2025Checked 23 Sept 2026
51Barbados7.91 %2022Checked 23 Sept 2026
52Papua New Guinea8.03 %2024Checked 23 Sept 2026
53Haiti8.73 %2025Checked 23 Sept 2026
54Mongolia9.41 %2021Checked 23 Sept 2026
55Ukraine9.75 %2025Checked 23 Sept 2026
56Argentina11.16 %2025Checked 23 Sept 2026
57Angola11.39 %2025Checked 23 Sept 2026
58Mozambique11.76 %2025Checked 23 Sept 2026
59Kyrgyzstan18.11 %2024Checked 23 Sept 2026
60Brazil37.63 %2024Checked 23 Sept 2026
61Zimbabwe40.12 %2025Checked 23 Sept 2026
62Madagascar47.92 %2025Checked 23 Sept 2026

Regional averages

Europe (12)

3.91 %

Americas (19)

8.15 %

Asia (16)

4.75 %

Africa (13)

12.09 %

Unweighted mean of the published values in each region — our aggregation, not an official statistic.

How to read this figure

Our own calculation: the bank lending rate minus the bank deposit rate, both IMF-harmonised. It is a rough measure of what the banking system takes between savers and borrowers — wide spreads often mean thin competition or high risk premiums. The underlying loan and deposit mixes differ by country, so treat close values as similar rather than identical.

Countries with the lowest bank spread · Countries with the highest bank spread

How to read this list

Lending rate minus deposit rate — what the banking system keeps between savers and borrowers. Our calculation from two IMF-harmonised series. 62 countries publish it; the rest are absent from the list rather than shown as zero. The figures were observed between 2021 and 2025 — a spread of 48 months — so this compares each country’s latest published number, not one moment in time. Every row carries its own date in the CSV and JSON; use it. Nothing here is estimated or carried forward to fill a gap. This metric is one column of the full dataset.

Official sources onlySurveyed 2025Revised daily 05:20 UTCLicence CC BY 4.0