כלכלה · סיקור מלא

Israeli Banks Slow to Pass Interest Rate Cuts to Depositors Despite Rate Drop

איך 2 חדרי חדשות ישראליים סיפרו את הסיפור הזה, זה לצד זה.

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דווח לראשונה בGlobes · Aug 10, 2026

מה קרה

Despite the Bank of Israel lowering interest rates in July 2023, Israeli banks have been slow and cautious in passing these cuts to depositors, maintaining higher loan rates and modest deposit rate reductions. Smaller banks and credit card companies show more significant rate changes, but overall, banks continue to profit from the spread. Household current account balances earn minimal interest, while overdraft and revolving credit rates remain high.

01Israeli banks quickly raised loan rates during 2022-2023 rate hikes but delayed raising deposit rates.
02Following recent rate cuts, banks cautiously reduce deposit rates, with notable differences among banks.
03One Zero offers highest fixed one-year deposit rate at 6%, Bank Massad offers lowest at 2.9%.
04Credit card companies sharply cut rates, but smaller banks offer more attractive loan rates than larger banks.
05Household current accounts earn only 0.1% interest, benefiting banks significantly.
06Israeli overdraft debt rose to 10.2 billion shekels with high interest rates up to 12.38%.

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