The Bank of Russia has published the results of its September 2025 monitoring of maximum interest rates on ruble deposits at the ten largest Russian banks by household deposits. According to the data, in the first ten days of September, the average maximum rate stood at 15.59%.
The calculation only includes deposit products that are available to all clients without any restrictions or special conditions. Offers aimed at specific groups such as pensioners or children, deposits requiring actions like regular card turnover, or combined products with additional investment or insurance requirements were not considered.
“The average maximum interest rate is calculated as an arithmetic mean of the maximum interest rates of the top 10 credit institutions.”
Banks included in this analysis are Sberbank (www.sberbank.ru), VTB Bank (www.vtb.ru), Gazprombank (www.gazprombank.ru), Alfa-Bank (alfabank.ru), Rosselkhozbank (www.rshb.ru), DOM.RF (domrfbank.ru), Credit Bank of Moscow (mkb.ru), TBank (www.tbank.ru), Promsvyazbank (psbank.ru), and Sovcombank (sovcombank.ru). The monitoring was conducted by the Department of Banking Regulation and Analytics at the Bank of Russia using information provided by these institutions’ official websites.
Reference values for average maximum interest rates by deposit term were also reported: up to 90 days — 15.14%, from 91 to 180 days — 14.79%, from 181 days to one year — 14.13%, and for terms over one year — 12.39%.
Further details and historical data on changes in monitored rates can be found on the Bank of Russia website.
