Australia vs Thailand: Interest rate spread (lending rate minus deposit rate, %)
Australia
3.5%
in 2019
Thailand
3.8%
in 2025
Australia rank
93rd
Thailand rank
91st
Interest rate spread (lending rate minus deposit rate, %) over time
- Australia
- Thailand
How they compare
Thailand currently reports 3.8% against 3.5% in Australia, a difference of 0.3%.
That makes Thailand's figure about 1.1 times Australia's.
The two have swapped places 7 times across 37 shared years of data; in 1981 it was Thailand ahead.
Australia ranks 93rd and Thailand ranks 91st of 141 countries.
Across the 4 decades both report, Australia averaged higher in 1 and Thailand in 3.
Head to head by decade
| Decade | Australia | Thailand | Difference | Ahead |
|---|---|---|---|---|
| 1980s | -1.0% | 3.1% | 4.1% | Thailand |
| 1990s | 2.7% | 2.8% | 0.1% | Thailand |
| 2000s | 3.4% | 3.5% | 0.1% | Thailand |
| 2010s | 3.2% | 2.9% | 0.3% | Australia |
Averages of every year both report within each decade.
Frequently asked questions
- Which has higher interest rate spread, Australia or Thailand?
- Thailand, at 3.8% against 3.5% in Australia as of 2025.
- What is the difference in interest rate spread between Australia and Thailand?
- 0.3%, with Thailand ahead.
- How many years of comparable data are there for Australia and Thailand?
- 37 years are reported by both, from 1981 to 2019.
- How do Australia and Thailand rank globally for interest rate spread?
- Australia ranks 93rd and Thailand ranks 91st of 141 countries.
- Where does this data come from?
- International Financial Statistics database, International Monetary Fund (IMF), published as Interest rate spread (lending rate minus deposit rate, %). Statizoid refreshes it automatically from the source and publishes the full history for both places.
Individual pages
About this data
Interest rate spread is the interest rate charged by banks on loans to private sector customers minus the interest rate paid by commercial or similar banks for demand, time, or savings deposits. The terms and conditions attached to these rates differ by country, however, limiting their comparability.