Bulgaria Deposit Rate
Deposit interest rate FR.INR.DPST
Bulgaria's deposit rate was 0.31% in 2025, ranked 94th globally. This represents a 5.9% decrease from 2024. Data from World Bank, covering 2000–2025.
Overview
Bulgaria's deposit rate stood at 0.31% in 2025, a decline of +0.02pp from 2024. Based on recent trends, this figure is projected to reach 0.31% by 2025. Bulgaria ranked 94th globally.
Bulgaria’s deposit rate has fallen sharply from an early‑2000 level of 3.14% to just 0.31% in 2025, placing the country 94th in the world and marginally above Israel’s 0.30% and below Brunei Darussalam’s 0.33%. The steep decline began after the all‑time peak of 6.18% in 2009, accelerated during the global financial crisis aftermath, and reached an all‑time trough of 0.01% in 2020 as the European Central Bank’s ultra‑low policy rates filtered through the Bulgarian banking sector. Over the 26‑year coverage period, the rate’s trajectory reflects the broader euro‑area trend toward near‑zero interest rates, reducing banks’ net interest margins and pressuring savers’ returns. If inflationary pressures revive and the European Central Bank resumes rate hikes, Bulgaria’s deposit rate could stabilize at a modestly higher level, tempering the current downward momentum.
Data & projection
| Year | Deposit Rate | YoY change | Rank |
|---|---|---|---|
| 2027* trend | 0.45% | - | - |
| 2026* trend | 0.38% | - | - |
| 2025* trend | 0.31% | - | - |
| 2025 | 0.31% | −0.02pp | #94 |
| 2024 | 0.33% | +0.23pp | #3 |
| 2023 | 0.10% | +0.08pp | #1 |
| 2022 | 0.02% | +0.00pp | #2 |
| 2021 | 0.02% | +0.00pp | #2 |
| 2020 | 0.01% | −0.01pp | #2 |
| 2019 | 0.02% | −0.00pp | #2 |
| 2018 | 0.03% | −0.02pp | #2 |
| 2017 | 0.05% | −0.13pp | #4 |
| 2016 | 0.17% | −0.44pp | #5 |
| 2015 | 0.61% | −1.04pp | #14 |
| 2014 | 1.66% | −0.76pp | #30 |
| 2013 | 2.41% | −0.67pp | #38 |
| 2012 | 3.08% | −0.28pp | #47 |
| 2011 | 3.37% | −0.71pp | #55 |
Detected Pattern
Analysis
Bulgaria matched the Fiscal Dominance Trap pattern in 2022. Historically, 72% of countries showing this pattern (278 out of 386) saw deposit rate improve within 24 months. View full analysis →
Frequently Asked Questions
Bulgaria's deposit rate was 0.31% in 2025. Ranked 94th globally. This represents a 5.9% decrease from the previous year.
Bulgaria's deposit rate peaked at 6.18% in 2009.
The lowest deposit rate in Bulgaria was 0.01% in 2020.
Bulgaria ranks 94th globally in deposit rate as of 2025.
The World Bank indicator code is FR.INR.DPST. Data sourced from World Bank.
Bulgaria's deposit rate is projected to reach 0.31% by 2025 based on trend extrapolation.
The deposit rate of Bulgaria in 2025 was 0.31%. This ranks 94th in the world.
Cite this page
@misc{historysaid_bulgaria_deposit-rate,
title = {Bulgaria Deposit Rate},
url = {https://historysaid.com/bulgaria/deposit-rate/},
publisher = {HistorySaid},
year = {2026}
}