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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 9 Sept 2026Period 2025

Source: IMF International Financial Statistics

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.
Rank
#41 of 70
higher is better
Ranked behind
41 %
29 of 70 countries

vs median 4.96 %: −1.01 pp (worse)

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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