Monitoring the maximum interest rates of credit institutions
The results of monitoring in September 2026 the maximum interest rates on deposits1 in Russian rubles of ten credit institutions2, attracting the largest volume of deposits of individuals:
I decade of September – 12.95%;
II decade of September - 13.01%.
Information on the dynamics of monitoring results is presented on the official website of the Bank of Russia.
Information on the average maximum interest rates on deposits on the terms of attraction is given in reference 3.
1 In determining the maximum interest rate for each credit institution:
Maximum rates on deposits available to any client (including potential) without restrictions and preconditions are taken into account. Contributions for selected categories of clients (pensioners, children) and purposes (for social and humanitarian purposes, etc.) are not considered;
- interest rates with capitalization on the deposit are not taken into account;
- rates that are valid under certain conditions are not taken into account (regular turnover on a bank card, permanent undecreased balance on a bank card, etc.);
Combined deposit products, i.e. deposits with additional conditions, are not considered. Such additional conditions for accruing an increased interest rate can be, for example, the purchase of investment shares for a certain amount, opening an investment account, registration of an investment or life insurance program, connecting an additional package of services, etc. ;
deposits whose term is divided into periods with different rates are not considered.
The average maximum interest rate indicator is calculated as the arithmetic average of the maximum interest rates of 10 credit institutions.
2 PJSC Sberbank (1481) – www.sberbank.ru, VTB Bank (PJSC) (1000) – www.vtb.ru, GPB Bank (JSC) (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) – PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC – PJSC PJSC PJSC PJSC PJSC PJSC – PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC PJSC P The monitoring was carried out by the Bank of Russia Banking Regulation and Analytics Department using the information provided on these websites. The published indicator is indicative.
3 Average maximum interest rates on deposits: for a period up to 90 days - 12.50%; for a period from 91 to 180 days - 12.79%; for a period from 181 days to 1 year - 12.68%; for a period over 1 year - 11.64%.
