In which bank to put money in November 2026 at a high percentage

Average rates on deposits in banks on November 13

Since the previous meeting of the Central Bank, which took place on October 23, the average maximum rates on deposits in the top 10 banks have increased slightly. As calculated by RBC Investments, as of November 13, the yield of three-month deposits increased by 0.03 p.p., semi-annual - by 0.05 p.p., and annual - by 0.07 p.p.

Thus, according to the calculations of RBC Investments, the average maximum rate on deposits in the top 10 banks by the size of the deposit portfolio as of November 13, depending on the term, is:

for three months - 13.49%; for six months - 13.41%; for one year - 12.70%.

When calculating the average maximum rate, deposits from е100,000 were taken into account without additional conditions, except for new money and new customers. All rates are indicated in an effective amount (for deposits with capitalization, the maximum yield is given when this condition is met), without the possibility of withdrawal and replenishment of the account.

Ten best bank deposits without additional conditions

“RBC Investments” studied the proposals of banks on deposits and selected ten of the most profitable of them. Deposits involving additional services to obtain the maximum interest rate were excluded from the rating. All rates are indicated in an effective amount (for deposits with capitalization, the maximum yield is given when this condition is met), without the possibility of withdrawal and replenishment of the account.

The conditions for deposits specified in the review are not a public offer, they are placed only for preliminary acquaintance. Before making a decision on the placement of funds in a banking organization, it is necessary to specify in it the full conditions on the date of opening the deposit.

1. Yandex Bank

"Contribution with turbocharger"

Rate: 30%. Amount: from .10 thousand to .200 thousand. Term: Two weeks.

The deposit is available only for new depositors who have not previously had savings products with Yandex Bank.

2. Bank Dom.RF

"Reliable Prime"

Rate: 22 percent. Amount: from .10 thousand to .50 thousand. Term: three and six months.

The contribution is available for new customers who first open a deposit through the Financial Services marketplace.

3. VTB

"A profitable start"

Rate: 20%. Amount: from .10 thousand to .50 thousand Term: 61 days.

Available in the absence of existing deposits and savings accounts with VTB within 180 days before the date of opening the deposit (inclusive).

4. PSB

“People’s contribution”

Rate: 20%. Amount: from .10 thousand to .150 thousand Term: 32 days.

The rate is valid for new depositors who did not have existing and closed term deposits and savings accounts (including those with zero balances) in the period of 180 days preceding the date of opening the People's Contribution deposit.

5. ICD

"ICD." Promo's advantage

Rate: 20%. Amount: from 50 thousand to 300 thousand Term: 95 days.

The contribution is available for new customers who first open a deposit through the Financial Services marketplace.

6. Sberbank

"Best Start +"

Rate: 19 percent. Amount: from .10 thousand to .100 thousand. Term: three months.

New clients who have not concluded contracts with the bank and have not used the services or services of Sberbank before July 30 can open a deposit.

7. Bank St. Petersburg

"A profitable start"

Rate: 15%. Amount: from .10 thousand to .500 thousand. Term: three months.

The deposit is available for new customers of the bank – those who signed the first comprehensive banking service agreement less than 30 days ago.

8. WB Bank

"Optimal."

Rate: 14.7 percent. Amount: from .50,000 Term: six months.

Contribution is available for opening only through the mobile application.

9. TCB

"New Money"

Rate: 14.31%. Amount: from .50,000 Term: three months.

To open a deposit, you can use only "new money" - funds in excess of the maximum balance on the client's accounts in TKB Bank PJSC 90 calendar days before the date of opening the deposit.

10. T-bank

"SmartDeposit" without replenishment

Rate: 14.24%. Amount: from .50 thousand to .3 million Term: four months.

From November 10, the maximum cash balance on all non-renewable deposits in rubles opened by a client in a bank for a period of four months may not exceed a total of ам3 million, taking into account capitalized interest on all such deposits.

Why after a pause in the decision of the Central Bank on the key rate, some banks raised rates on deposits

The pause did not cancel the main reason - banks need money, said Denis Donskoy, director of savings products at the Financial Services marketplace. The pause only showed that there will be no quick decline in the key: the regulator retained 14% and raised the trajectory for 2027, where the rate will remain double-digit. It means that funding will not become cheaper, and banks need money today - hence the point rate increases, he explained.

Financial Services believes that this is not a trend reversal, but competition for liquidity plus preparation for December, when banks traditionally come out with promos. For two weeks in the top 20 banks after the decision of the Central Bank, most banks did not change the terms - three reduced rates, one increased. There is no mass revision of the policy - there are spot actions, Donskoy concluded.

The Bank of Russia in October revised its forecasts for the average level of the key rate for 2027, raising it to 12.5-13.5%, confirmed the Manager for analysis of banking and financial markets PSB Dmitry Gritskevich. “Banks also began to revise their expectations for the future trajectory of the key rate, which led to some increase in deposit rates in the savings products market,” he added.

Macroeconomic logic in increasing the profitability of retail deposits by a number of banks is clear, agrees Evgeny Aslamov, CEO of the investment company Svoy Capital. “Keeping the Central Bank key rate at 14% for the second time in a row is a signal to the market that the pause in the cycle of easing monetary policy is not a one-time decision, but a short-term trend,” he adds. According to Aslamov, the reversal in the direction of lowering the rate is likely to occur no earlier than the spring of 2027, so the increase in the yield of deposits of individuals by some banks is an expected reaction to the decision of the megaregulator.

In addition, the largest players are increasing the yield of deposits point by point, the growth is not mass, added Aslamov. “If you look at specific examples, in some cases, banks’ return on deposits was below the average temperature in the market, and the increase in rates simply brought tariffs closer to competitors,” he concluded.

Banks mainly adjust individual proposals, they do not raise rates throughout the line, confirmed the head of expert analytics of the financial marketplace “Banky.ru” Inna Soldatenkova. “This competition is especially relevant for small banks, for which the issue of liquidity is more acute: it is important for them to attract additional funds at the expense of new customers,” the expert said.

According to the monitoring of Banks.ru, for the week from November 2 to 8, the conditions for deposits changed 25 banks, and there were more increases than reductions: rates were raised by 13 banks, nine were reduced, three players changed in different directions, the press service of the marketplace reported. “Deposits for one month on average now bring 11.08% per annum, for three months - 11.74%, for six months - 11.20%, for a year - 9.79%, for three years - 7.61%. The rates on three-year deposits grew stronger than others, by 0.05 p.p., Soldatenkova added.

According to Grigory Burdenko, General Director of the Vycholu.ru marketplace, the increase in rates for individual savings and savings products is primarily due to the tactical decisions of banks during the pause to reduce the key rate:

Raising rates gives an advantage in the fight for customers. In “Vyboru.ru” noted that banks have not only to compete with each other, but also to restrain the flow of funds into other investment instruments (bonds, mutual funds, etc.), which against the background of softening of PrEP, have become more popular. The likely increase in the tax burden also encourages Russians to diversify their sources of savings more actively. The increase in rates provides banks with an influx of additional liquidity, as in November and December there is a seasonal increase in consumer and business activity, which is reflected in the growth in demand for credit products. In providing this demand with a supply of liquidity, banks also have a competitive advantage, Burdenko explained.

The reasons for the increase in rates on savings products are several, confirmed in the press service of VTB. “First, there is high competition among banks for customer funds. Secondly, the end of the year is a season when people’s spending increases, and it is important for banks to keep and attract savings right now.

Banks independently determine the yield of deposits, taking into account their own liquidity needs, plans to raise funds and expectations regarding the further dynamics of the key rate, continued the head of the product “Deposits” in the financial marketplace “Comparison” Evgeny Cheychenets. “The increase in rates may be due to the desire of individual banks to attract additional funds from the population. In addition, on the eve of the end of the year, financial institutions traditionally compete more actively for depositors, so they can revise the conditions for certain terms and launch special offers, he concluded.

What to do: put money on the deposit now or wait for promotional offers in December

RBC Investments interviewed analysts of the largest banks and marketplaces and found out what strategy investors should adhere to.

Dmitry Gritskevich, Head of Banking and Financial Markets Analysis at PSB: In December, banks traditionally make promotional offers for deposits with more attractive rates. This year, banks will start offering promotions starting in mid-November. At the same time, the growth of rates in the savings products market will not exceed 1 p.p. and will affect mainly short deposits up to six months. In general, a viable savings strategy for savers is to wait for seasonal offers.” Evgeny Aslamov, CEO of the investment company Svoy Capital, said: For conservative investors who place all their savings on deposits, I would recommend fixing attractive returns now. But, in my opinion, it is worth thinking about diversifying savings in favor of other instruments that combine comfortable returns and are backed by a reliable underlying asset, for example, real estate funds. Deputy Chairman of the Board of Bank “Dom.RF” Alexei Kosyakov: “It is necessary to focus primarily on their own financial goals and the period for which the client is ready to place money.” If a suitable offer is already available, there is no need to postpone the opening of a deposit solely in anticipation of December shares, since their conditions cannot be assessed in advance.” Nikita Kulagin, Head of Sovcombank’s Macroeconomic Analysis Department: “Promotions are more often applied to short deposits or cumulative deposits.” Therefore, of course, it is worth taking advantage of these profitable New Year’s offers within the amount that reflects the investor’s needs for short-term liquidity. If we talk about long deposits, we do not expect significant growth in returns, and therefore, of course, now is a great time to fix attractive returns on deposits.” As for the tactics for investors, we always recommend a balanced approach: the main part of the funds (about 80%) should be placed on the deposit, fixing the current yield and insured against a possible reduction in the key rate in the future, and the remaining 20% should be left in a savings account – this part will retain flexibility and allow you to “reload” it in December, if more profitable promotional offers appear on the market. Grigory Burdenko, General Director of the Vycho.ru marketplace: If in the next six months a person may have a need to spend savings, then part of the funds can be put on a short-term deposit with high profitability, and part - on a savings account. At the same time, some amount can be left on long-term deposits and winter promotional offers to fix the current yield in case of further reduction of the key rate.” Inna Soldatenkova, Head of Expert Analytics at Banky.ru Financial Marketplace: Waiting for December just for the sake of holiday events is not always justified: there is no guarantee that new conditions will be more profitable than the current ones. If a suitable contribution is already available, returns can be recorded now.” Evgeny Cheychenets, Product Manager of “Deposits” in the financial marketplace “Comparison”: “It is not necessary to postpone the placement of all savings in anticipation of December proposals.” The optimal solution would be to divide the funds: put part on the deposit now to fix the current profitability, and leave part in the savings account. So money will continue to generate interest income, but at the same time remain freely available. In December, if banks offer more favorable terms, the amount from the savings account can be transferred to a deposit.” Denis Donskoy, Director of Savings Products of Financial Services Marketplace: December promotions exist, but almost always with conditions: only new customers, a limited amount, a bet on a promotional period. Behind the loud figure is often a more modest base rate. Therefore, it is more reasonable to divide: part of the amount is fixed now, on an average term - from six months to one and a half years, and keep the rest in liquidity. If December offers are more profitable, you will have time to enter them. In this way, you do not lose income in anticipation and retain the opportunity to choose the best conditions.” Svetlana Zubkova, Associate Professor, Leading Researcher at the Institute of Financial University under the Government of the Russian Federation: “The increase in rates is accompanied by various conditions: for new money, or with a restriction of the upper lower bar (for example, 50 thousand). Depositors need to seriously study the proposed conditions and consciously approach the opening of deposits. Placement of funds in deposits for two or three months is optimal. Longer terms can also be considered, as there is a high probability of a key rate reduction after March 2027.”.