Statistical news focuses on the latest figures and trends in Danmarks Nationalbank’s statistics. Statistical news is targeted at people who want quick insight into current financial data.
Interest rates on fixed-term deposits increase
In 2026, the average interest rate on fixed-term deposits has increased from 0.96 per cent to 1.15 per cent, while the interest rate on demand deposits has remained unchanged. This reflects the fact that interest rates on fixed-term deposits typically respond earlier to changes in market interest rates, reflecting both actual interest rate changes and expectations of future interest rate developments. With fixed-term deposits, funds are typically placed for an agreed period at an interest rate fixed in advance. Fixed-term deposits account for around 16 per cent of households' total deposits of kr. 1,108 billion, excluding pooled schemes.
Interest rates remain higher on fixed-term deposits
Note:
Note: The figure shows the average interest rate on Danish private customers' (sector 1430, employees, pensioners etc.) interest-bearing deposits, i.e. deposits in accounts that pay interest. Deposits invested through pooling schemes are excluded, as their return depends on the underlying investments rather than on a deposit interest rate. Danish private customers have kr. 201 billion invested through pooling schemes.
Stable interest rate on demand deposits
The interest rate on demand deposits has remained relatively stable at around 0.4 per cent since the summer of 2025. The difference between the interest rates on fixed-term and demand deposits has now increased to 0.73 percentage points. The interest rate on demand deposits is affected by lending-related deposits (see box), including priority accounts, where the interest rate typically reflects the rate on the associated loan. These deposits increase the average interest rate on demand deposits by around 0.2 percentage points.
Box – Lending-related deposits
Lending-related deposits are deposits matched by an unused portion of a credit facility, for example, on a priority account. The interest rate on lending-related deposits will typically reflect the somewhat higher interest rate on the associated loan. Like demand deposits in ordinary salary accounts, lending-related deposits are immediately available for payments and transfers between accounts.