Fiatmap

Cost of moneyAustria

Real policy rate in Austria

Does money at the central bank’s rate actually beat inflation?

Austria's real policy rate is -0.53 % — #45 of 53 countries on the atlas (higher is better). Period 1998-12.

-0.53%

Checked 8 Sept 2026Period 1998-12

Source: Fiatmap derived metrics (own calculation from separately sourced components)

Negative: cash in Austria loses 0.5 pp of purchasing power a year even in the bank.

Among 53 countries

2 of 53 countries between -2.17 % and -1.86 %1 of 53 countries between -1.86 % and -1.55 %3 of 53 countries between -1.55 % and -1.24 %1 of 53 countries between -1.24 % and -0.93 %1 of 53 countries between -0.93 % and -0.62 %3 of 53 countries between -0.62 % and -0.31 %10 of 53 countries between -0.31 % and 0.00 %4 of 53 countries between 0.00 % and 0.31 %1 of 53 countries between 0.31 % and 0.62 %3 of 53 countries between 0.62 % and 0.93 %4 of 53 countries between 0.93 % and 1.24 %6 of 53 countries between 1.24 % and 1.56 %3 of 53 countries between 1.87 % and 2.18 %3 of 53 countries between 2.49 % and 2.80 %2 of 53 countries between 2.80 % and 3.11 %1 of 53 countries between 3.11 % and 3.42 %2 of 53 countries between 3.73 % and 4.04 %3 of 53 countries between 4.97 % and 5.28 %median 0.63 %Austria: ahead of 15 % of the 53 countries with a published real policy rateAustria -0.53 %-2.17 %5.28 %
Half of all 53 countries sit between -0.15 % and 1.91 %. Austria is ahead of 15 % of them. Axis trimmed to the 2nd–98th percentile; 3 values beyond it sit in the end bars.
Rank
#45 of 53
higher is better
Ranked behind
15 %
8 of 53 countries

In Europe: #23 of 30vs median 0.63 %: −1.16 pp (worse)

The neighbourhood

#CountryReal policy ratevs Austria
43 New Zealand-0.34 %+0.19 pp
44 Spain-0.45 %+0.08 pp
45 Austria-0.53 %—
46 Romania-0.69 %−0.16 pp
47 Netherlands-1.01 %−0.48 pp

Policy rate minus annual CPI inflation — positive means money in the bank beats inflation. Our calculation from separately sourced components.

How to read this figure

Our own calculation: the central bank policy rate minus annual CPI inflation. It answers one question — does parked money beat rising prices? Both components are separately sourced official figures, and we never compute it when either leg is missing.

Next, about Austria

Mortgage ratesInflation rate
Real policy rate, all countries ranked →Compare Austria with another country →Everything about Austria →Methodology →
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