Netherlands statutory interest rate
Netherlands statutory interest rate is 4 percent, in force since 1 Jan 2026, cited to Besluit van 10 december 2025 tot wijziging van het Besluit van 15 december 2022 tot. Last checked against the official source on 10 Aug 2026.
Official source: Besluit van 10 december 2025 tot wijziging van het Besluit van 15 december 2022 tot vaststelling wettelijke · Last checked 2026-08-10 · source fingerprint
The Netherlands' general statutory interest on money debts under art. 6:119 BW, fixed by algemene maatregel van bestuur under art. 6:120(1) BW — 4% per annum since 1 January 2026, down from 6%.
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| Current value | 4 percent |
|---|---|
| In force from | 2026-01-01 |
| Official source | Besluit van 10 december 2025 tot wijziging van het Besluit van 15 december 2022 tot vaststelling wettelijke rente (Stb. 2025, 438), art. I: 'In artikel 1 van het Besluit van 15 december 2022 tot vaststelling wettelijke rente wordt «zes procent» vervangen door «vier procent»', in werking met ingang van 1 januari 2026; grondslag art. 6:119 jo. 6:120 lid 1 BW |
| Last verified | 2026-08-10 |
| Verification | primary — No verification limitation recorded — read from the official source cited. |
| Provenance | source fingerprint |
What this value means
This is the NON-COMMERCIAL statutory rate — the damages owed for delay in paying a money debt under art. 6:119 BW where the debt does not arise from a handelsovereenkomst: consumer and private debts, unjust enrichment, tort damages, and the interest a court adds to a judgment sum. It stands at 4% from 1 January 2026, reduced from 6%, which had applied through 31 December 2025. Setter: the Crown by algemene maatregel van bestuur under art. 6:120(1) BW, on the proposal of the Minister of Justice. THIS IS A DECISION, NOT A FORMULA: the guideline is the ECB refinancing rate plus about 2.25 points, but the rate only changes when a besluit is made and published in the Staatsblad, so it does NOT track the ECB and can sit unchanged for years. Changes have taken effect on 1 January and on 1 July. COMPOUNDING TRAP: art. 6:119(2) BW capitalises the interest — at the end of each full year the accrued interest is added to the sum on which interest is computed, so a multi-year claim is not simple interest. Commercial invoices are a different product: art. 6:119a BW (wettelijke handelsrente) applies to handelsovereenkomsten between businesses or with a public authority, is set by art. 6:120(2) BW at the ECB refinancing rate plus 8 points and reset each half-year, and stands at 10.4% since 1 July 2026 — that regime is served in our late-payment-interest product. NEXT FIXING: no scheduled date; a change requires a new algemene maatregel van bestuur, in practice published in the Staatsblad in December for 1 January or in June for 1 July.
Get it programmatically
curl https://euroref.dev/v1/nl/statutory-interest
# $0.005 per call — x402 on Base (USDC). No key, no signup.
# History: curl https://euroref.dev/v1/nl/statutory-interest/history?from=2020-01-01
# Provenance: curl https://euroref.dev/provenance/nl/statutory-interestOther Netherlands series: Policy interest rate · Value added tax (BTW / omzetbelasting) · VAT registration threshold · Statutory minimum wage (wettelijk minimumuurloon) · Public holidays · Consumer price inflation (CPI) · Corporate income tax (vennootschapsbelasting) · Withholding tax rates · Personal income tax (inkomstenbelasting, box 1) · Statutory social-insurance contributions · ECB main refinancing operations rate (fixed rate) · Late-payment interest (EU Late Payment Directive)
The same figure elsewhere: Norway · Poland · Portugal · Romania · Serbia · all 34