fin·calc

Where Banks Take the Biggest Cut: Loan vs Savings Rate Gap Across 33 Countries (2026)

Data compiled: August 2026 · Reference figures — verify with your bank.

Banks make money on the spread — they charge more on loans than they pay on your savings. We took the typical home-loan rate and the typical savings rate for all 33 countries in the fin·calc database and measured the gap. It ranges from about -1.50 points in Brazil to 15.00 points in Nigeria — a wide difference in how much of the interest pie the bank keeps.

Key findings

Biggest spread: Nigeria (15.00 points — 29.0% loan vs 14.0% savings), followed by Russia (6.00) and Kenya (5.50).
Smallest spread (most saver-friendly): Brazil (-1.50 points), Singapore (0.45) and Taiwan (0.60).
A wide gap isn't automatically "greedy": it often reflects higher lending risk, inflation and operating costs in that market. But it does mean borrowers pay a lot relative to what savers earn — worth knowing before you pick where to keep your money.

Loan-minus-savings gap, ranked (widest first)

Typical home-loan rate minus typical savings rate, 2026, in percentage points. Click a country to open its calculator.

1Nigeria15.00 pts (29.0−14.0)

2Russia6.00 pts (22.0−16.0)

3Kenya5.50 pts (15.0−9.5)

4Thailand4.50 pts (6.0−1.5)

5Vietnam4.50 pts (10.0−5.5)

6Indonesia4.25 pts (9.5−5.2)

7Türkiye4.00 pts (44.0−40.0)

8Egypt3.50 pts (22.0−18.5)

9Bangladesh3.00 pts (13.5−10.5)

10Pakistan3.00 pts (16.0−13.0)

11United States2.50 pts (6.5−4.0)

12Philippines2.25 pts (7.5−5.2)

13Saudi Arabia2.25 pts (6.2−4.0)

14United Arab Emirates2.25 pts (5.8−3.5)

15Mexico2.00 pts (11.5−9.5)

16Sri Lanka2.00 pts (11.0−9.0)

17Kuwait1.75 pts (5.0−3.2)

18South Africa1.75 pts (10.2−8.5)

19Qatar1.65 pts (5.5−3.9)

20China1.60 pts (3.6−2.0)

21Australia1.50 pts (6.0−4.5)

22Bahrain1.50 pts (5.5−4.0)

23South Korea1.50 pts (4.5−3.0)

24United Kingdom1.25 pts (5.2−4.0)

25Eurozone1.10 pts (3.6−2.5)

26Japan1.10 pts (1.5−0.4)

27Hong Kong1.00 pts (3.5−2.5)

28New Zealand1.00 pts (5.0−4.0)

29Canada0.75 pts (4.8−4.0)

30Malaysia0.75 pts (4.2−3.5)

31Taiwan0.60 pts (2.2−1.6)

32Singapore0.45 pts (3.2−2.8)

33Brazil-1.50 pts (12.0−13.5)

Why the spread varies

The gap between loan and deposit rates is a bank's core margin. It tends to be wider where lending is riskier, where inflation is high and volatile, and where a few large banks dominate with little competition; it tends to be narrower in mature, competitive markets. For you as a customer, a wide local spread is a nudge to shop harder — compare lenders when borrowing, and look at higher-yield savings options (or short-term government bills) rather than leaving cash in a low-rate account.

To see what a given rate means in real money for your own situation, open the home-loan or fixed-deposit calculator for your country.

Methodology & sources

The gap is the typical 2026 home-loan rate minus the typical savings/deposit rate for each country, compiled from central-bank publications and common commercial-bank offerings — the same dataset behind the fin·calc calculators. These are representative averages, not offers, and change frequently. See our methodology and editorial policy. Free to cite or republish with a link to fin·calc.

See the full rates table (policy, home, car, savings) → · Where home loans are cheapest →