In October 2025, the Bank of Russia released data from its monitoring of maximum interest rates on ruble deposits at the ten largest Russian banks by household deposits. According to the report, the average maximum interest rate offered during the first ten days of October was 15.46%, while the rate for the second ten-day period was 15.45%.
The monitoring covers deposit products available to all clients without restrictions or preliminary conditions, excluding those tailored for special categories such as pensioners or children, as well as deposits linked to additional requirements like investment products or minimum balances. The calculation is based on the arithmetic mean of the highest rates published by each of these institutions.
Participating banks include Sberbank, VTB Bank (PJSC), Bank GPB (JSC), AO ALFA-BANK, JSC Rosselkhozbank, Joint Stock Company Bank DOM.RF, CREDIT BANK OF MOSCOW, TBank, Promsvyazbank PJSC, and PJSC Sovcombank. The Department of Banking Regulation and Analytics at the Bank of Russia conducted this monitoring using information from these banks’ official websites.
Reference data on average maximum interest rates by deposit maturity shows that for terms up to 90 days, the rate is 14.78%; for 91 to 180 days, it is 14.83%; for 181 days to one year, it stands at 14.09%; and for over one year, it is 12.35%.
Further details and updates are available on the Bank of Russia website.
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