Published on: 2026-07-15
Source: Central Bank of Russia – Central Bank of Russia –
An important disclaimer is at the bottom of this article.
Monitoring results in July 2026 of the maximum interest rates on deposits1 in Russian rubles at ten credit institutions2 attracting the largest volume of retail deposits:
The first decade of July – 12.79%.
Information on the dynamics of monitoring results presented on the official website of the Bank of Russia.
Information on the average maximum interest rates on deposits by deposit terms is provided for reference3.
1 When determining the maximum interest rate for each credit institution:
– the maximum interest rates on deposits available to any client (including potential clients) without restrictions or preliminary conditions are taken into account. Deposits for designated client categories (pensioners, children) and purposes (for social and humanitarian goals, etc.) are not considered;
– interest rates with capitalization of interest on the deposit are not taken into account;
– rates that apply only under certain conditions (regular turnover on a bank card, constant minimum balance on a bank card, etc.) are not taken into account;
– combined deposit products are not considered, i.e., deposits with additional conditions. Such additional conditions for the accrual of an increased interest rate may include, for example, the purchase of investment units for a certain amount, opening an investment account, arranging an investment or life savings insurance program, connecting an additional service package, and so on;
– deposits for which the term is divided into periods with different rates are not considered.
The indicator of the average maximum interest rate is calculated as the arithmetic mean of the maximum interest rates of 10 credit institutions.
2 PJSC Sberbank (1481) – www.sberbank.ru, PJSC VTB Bank (1000) – www.vtb.ru, JSC GPB Bank (354) – www.gazprombank.ru, JSC Alfa-Bank (1326) – alfabank.ru, JSC Rosselkhozbank (3349) – www.rshb.ru, JSC Bank Dom.RF (2312) – domrfbank.ru, PJSC Moscow Credit Bank (1978) – mkb.ru, JSC TBank (2673) – www.tbank.ru, PJSC Promsvyazbank (3251) – psbank.ru, PJSC Sovcombank (963) – sovcombank.ru. Monitoring was conducted by the Department of Banking Regulation and Analytics of the Bank of Russia using information presented on the indicated websites. The published indicator is indicative.
3 The average maximum interest rates on deposits: for a term up to 90 days – 12.40%; for a term from 91 to 180 days – 12.57%; for a term from 181 days to 1 year – 12.35%; for a term over 1 year – 11.30%.
When using the material, a reference to the Press Service of the Bank of Russia is mandatory.
15.07.2026 14:50:59
Please note; This information is raw content obtained directly from the source. It represents an accurate account of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.