Netherlands statutory interest rate
Netherlands statutory interest rate is 4 percent, in force since 1 Jan 2026. Last checked against the official source on 10 Aug 2026.
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