In August 2025, the Bank of Russia reported the results of its monitoring of maximum interest rates on ruble deposits at the ten largest Russian banks by household deposit volume. According to the data, during the first ten days of August, the average maximum interest rate was 15.96%, while in the second ten-day period it slightly decreased to 15.85%.
The calculation considers only those deposit rates that are available to all clients without special conditions or restrictions. Deposits intended for specific groups such as pensioners or children, as well as those requiring fulfillment of additional conditions—like maintaining a minimum card balance or purchasing investment products—are excluded from this analysis. Compound interest and combined deposit products with extra features are also not included.
The monitoring is conducted by the Department of Banking Regulation and Analytics of the Bank of Russia using information published on official websites of leading financial institutions including Sberbank (https://www.sberbank.ru), VTB Bank (https://www.vtb.ru), Gazprombank (https://www.gazprombank.ru), Alfa-Bank (https://alfabank.ru), Rosselkhozbank (https://www.rshb.ru), DOM.RF (https://domrfbank.ru), Credit Bank of Moscow (https://mkb.ru), TBank (https://www.tbank.ru), Promsvyazbank (https://psbank.ru), and Sovcombank (https://sovcombank.ru).
For reference, average maximum interest rates by maturity were reported as follows: up to 90 days – 15.34%; from 91 to 180 days – 15.36%; from 181 days to one year – 14.42%; and over one year – 12.99%.
Data on changes in these monitoring results can be found on the Bank of Russia website.
