What will change in personal finances for Russians from October 1, 2026

1. Pensions

Military retirees

Since January 1, 2026, pensions of former servicemen and security forces are calculated on the basis of 93.59% of the amount of monetary allowance - this indicator is directly enshrined in the law. In addition, the indexation of military pensions is additionally provided: from October 1, the size of military pensions is planned to increase by 4%. The exact amount depends on the amount of cash allowance, seniority and established allowances.

The list of all who are entitled to a military pension is in Articles 1 and 3 of the relevant Federal Law No. 4468-I “On pensions for persons who have served in military service, service in internal affairs bodies, the State Fire Service, bodies for control of the circulation of narcotic drugs and psychotropic substances, institutions and bodies of the penitentiary system, troops of the national guard of the Russian Federation, enforcement bodies of the Russian Federation, and their families”.

Who else gets a raise

From October 1, the indefinite allowance will be given to those pensioners who turned 80 in September. They will begin to receive a fixed payment in double size - у19 169.38. The pension will be raised without application. However, this increase applies only to recipients of insurance pensions.

If the pensioner received the first group of disability in September of this year, he will also (from the date of establishment of the disability group) be recalculated the amount of a fixed payment - it will be paid in double size.

In addition, persons with dependent disabled family members can count on increasing the fixed payment to the insurance pension. The amount of the allowance depends on the number of disabled family members and is determined as a share of the generally established amount of a fixed payment - from January 1, 2026 is determined as a share of о9584.69:

one third, е3194.90 per dependent; two thirds, е6389.80 for two dependents; 100%, е9584.69 for three or more dependents.

The dependency allowance shall be declared.

What else can pensioners do before October 1

Until October 1, it is possible to replace the set of social services (NSS) with an increase in the monthly cash payment. The refusal will be effective from next year. For example, if you want to receive the NSU in the form of an allowance for payment from January 1, 2027, you should apply to the Social Fund, MFC or through Public Services before October 1, 2026.

From February 1, 2026, the full monetary equivalent of the NSO is .1825.25 per month. Of these, че1405.85 accounts for medicines, medical products and medical nutrition, че217.48 - for sanatorium and resort treatment, another че201.92 - for travel.

2. Replenishing the account through other ATMs by SBP

From October 1, Russians will have the opportunity to deposit cash through an ATM of one bank and credit them to their account in another bank (cash-in), but banks will make a decision on the introduction of such a service independently. To use the service, you must first make sure that the ATM provides for the possibility of replenishing your account with another bank using the Quick Payments System (SBP).

The Central Bank has set limits on making cash through the ATM:

up to 25 thousand for one operation; up to 50 thousand per day; up to 200 thousand per month.

In Roskachestvo explained that to replenish the account in the “foreign” ATM will not work in several cases:

The card issuing bank or ATM owner did not connect to the new service. The client exceeded the established limits. The operation seemed suspicious to the bank's anti-fraud system.

Despite the fact that the transaction for the transfer of deposited cash is carried out through the SBP, it does not apply to standard transfers, and the bank has the right to charge a commission for such an operation. The Central Bank explained to RBC Investments that such an operation does not spend a free limit on transfers between its accounts (ы30 million per month).

3. The Platform Economy Act

A platform economy is an economic model based on digital platforms that connect direct producers of goods or services with consumers.

In July 2025, Law No. 289-FZ “On Certain Issues of Regulating the Platform Economy in the Russian Federation” was signed. The document enters into force on October 1, 2026. The new rules apply to any services whose basic function is to mediate between the seller and the consumer. The key criterion is that the platform does not sell its own goods, works or services, but only provides the infrastructure for finding counterparties.

The Government approved the conditions for inclusion in the register according to which:

the average daily audience must be at least 100 thousand users from Russia for the previous calendar year; the platform must meet one of two indicators: at least 10 thousand partners who made at least one paid transaction for the year, or the total value of transactions in the amount of ши 50 billion per year.

Platforms with a foreign owner for inclusion in the register need to confirm the audience of 100 thousand users per day in Russia.

The preliminary list includes 12 platforms, of which 11 are the largest Russian resources (marketplaces, aggregators of services, including taxis and delivery services), as well as the inclusion of one foreign platform:

Avito. Delivery Club. Joom. Lamoda. Ozon, Wildberries. Cooper. Magnet Market. Yandex Market. Yandex Go. Yandex Food. Yandex Travel.

What's changing for Sellers

According to Stanislav Danilov, partner of the Pen & Paper Bar Association, the new law introduces a number of imperative requirements “aimed at dismantling the permissiveness policy that aggregators abused.” In particular:

prohibition of retroactive rule change. One of the industry’s main claims has been the practice of retroactively changing logistical or commercial conditions. A typical case is the introduction in the last days of the month of new requirements for the storage of goods in warehouses, which the seller must fulfill before the end of the same month, which is physically impossible. Now the sites are deprived of the right to such actions and are obliged to notify partners about the changes in advance (there is a 15-day period); a single contract instead of “sprayed” conditions. Currently, the rules of work with marketplaces are a chaotic set of documents – contracts, specifications, applications and links to regularly updated web pages. The law obliges to consolidate all requirements in a single document; information completeness of goods cards. Sites will be obliged to provide sellers with the functionality to post all the information required by consumer protection legislation. This applies to the identification data of the seller (name, address), as well as information on the availability of mandatory certificates for certain categories of goods; mandatory electronic document management (EDO). The law explicitly requires platforms to ensure uninterrupted and standardized electronic document exchange with sellers, which has so far been fragmented.

What is changing for buyers

Consumer rights will actually be “sewn up” in the very architecture of the platform, said Mikhail Bozhor, CEO of the law firm Afonin, Beaujor and Partners. In particular:

the operator is obliged to ensure the technical possibility of submitting claims for refund, exchange of goods, elimination of deficiencies through the platform interface; the product card must disclose information about the seller, licenses, certificates, mandatory marking, and the operator is not entitled to allow proposals for withdrawn from circulation, unregistered or unmarked goods; the status of the operator is specified: as a general rule, he must directly inform the users of the platform that he is not a seller or performer.

4. New limits on working with self-employed

From October 1, the decree of the Government of Russia No. 760 of June 19, 2026, which will apply to sites from the preliminary list of the Ministry of Economic Development, will begin to operate. The document introduces a time limit for working with one customer - this is necessary to prevent cases when civil law relations are actually hidden by labor, the Federal Tax Service (FTS) said.

Systematic employment will be considered work for one customer through a platform of 60 hours per month or more for six consecutive months. At the same time, if at least in one month the performer works less than 60 hours, the countdown of the six-month period will be zeroed.

If the limit is exceeded, the platform is obliged to suspend the issuance and acceptance of orders in the pair “this customer – this contractor”. The self-employed retain the right to take orders from other customers through the same platform. In addition, the innovation does not apply to direct contracts without the participation of the platform and to orders for which there is no hourly record.

There are no penalties for the self-employed. However, if the tax office establishes that the relationship with the self-employed has signs of labor, the customer has tax and administrative risks. For example, the obligation to additionally charge personal income tax and insurance premiums.

5. Family mortgage from October 1: new conditions

From October 1, the family mortgage rate will be tied to the number of children, and the maximum amount of loans will be differentiated, which will also depend on the region of residence of borrowers. And the maximum period of subsidizing a preferential mortgage loan is introduced - up to 15 years.

For borrowers throughout Russia, for the exclusion of the capital regions (Moscow, St. Petersburg, Moscow and Leningrad regions), the following parameters will apply:

10% for families with one child under seven years of age at the time of conclusion of the contract. The maximum loan amount is у6 million; 8% and у8 million for families with two children where at least one child is under seven years of age; 6%, 4% and 2% per annum and у10 million for families with three, four, five children, respectively, with the same age condition for at least one child.

In the capital regions, rates will be 2 percentage points higher under similar conditions. The family mortgage rate for the construction of a private house or its completion, as well as for the purchase of land with the subsequent construction of housing, will remain 6% regardless of the number of children and the region of residence of the family.

6. Raising housing tariffs

From October 1, Russia will increase the cost of housing and communal services. Every year, the government sets limit values for indexation of utility fees for all subjects. The October increase in utility tariffs will be from 8 to 22% depending on the region.

However, this does not mean that the increase in the cost of utilities will be just that. The government sets a ceiling for the growth of payments (marginal indices) for each subject, but regional authorities can choose any option below this bar, varying it for different municipalities.

From October 1st, tariffs will increase the most:

Stavropol Territory - by 22%; Dagestan - by 19.7%; Tambov region - by 17.5%; Tyumen region - by 17.2%; North Ossetia - by 16.3%.

The lowest rates from October 1 will increase in:

Khakassia - by 8%; Chukotka Autonomous Okrug - by 8%; Buryatia - by 8.9%; Kirov region - by 8.9%; Sakhalin region - by 9%.

7. Increase in fare on long-distance trains

From October 1, 2026, tariffs for the transportation of goods and passengers by rail were indexed. By 9.2%, the cost of tickets for travel in floating and common cars on long-distance trains will increase, as well as the cost of luggage transportation will increase.

On the coupe and CV, the increase in state-regulated tariffs does not apply, so carriers form prices in these categories independently using dynamic pricing. The cost of the ticket depends on the level of demand, the time of purchase and the number of remaining seats. The indexation of tariffs also does not apply to suburban trains, since the tariffs for them are set by local authorities.

8. Tightening rules for microloans

From October 1, 2026 to April 1, 2027, the rules for issuing expensive loans are tightened. So, from October, Russians will cease to issue more than two microloans with a full cost of more than 200% per annum with all interest, commissions and other payments, and from April – at the same time it will be possible to have only one microloan with a full cost above 100% per annum. Between the repayment of one expensive loan and the issuance of the next, a cooling period of three days is established.

The Central Bank noted that the innovations will put a barrier to unfair practices, when people are literally drawn into debt bondage. About 70% of the most expensive MFI loans are reissued into new ones, more than half - with an increase in the amount. This is a serious problem for citizens. A person falls into a debt spiral, his debt grows like a snowball. The new law prevents such practices. It will allow citizens to pay off MFI debts, stopping their accumulation. It is important that the ban will not apply to loans with interest rates up to 100% per annum. This will preserve financial accessibility: people have the opportunity to quickly get a loan for urgent needs, but not to accumulate problems, said Ilya Kochetkov, Director of the Department of Non-Bank Lending.

Innovations in personal finance from October 1

From October, pensioners who turned 80 in September or have a first disability will automatically receive a double fixed payment of у19,169.38. The increase is due only to recipients of insurance pensions.

Until October 1, you can apply for refusal of the set of social services in favor of a cash increase from January 1, 2027. The full monetary equivalent of the NSO is .1825.25 per month.

From October 1, you can deposit cash through an ATM of one bank and credit to your account in another bank, the connection is voluntary for each bank. Limits: up to 25 thousand for one operation, up to 50 thousand per day, up to 200 thousand per month.

On October 1, the platform economy law comes into force. The preliminary list includes 12 platforms: Avito, Delivery Club, Joom, Lamoda, Ozon, Wildberries, Cooper, Magnet Market, Yandex Market, Yandex Go, Yandex Food, Yandex Travel.

From October 1, a time limit for self-employed work with one customer through the platform is introduced - no more than 60 hours a month for six consecutive months. If the limit is exceeded, the platform suspends orders in the pair “this customer – this contractor”, but the self-employed remains the right to work with other customers.

From October 1, the conditions for a family mortgage will change - now the rate will depend on the number of children and the region of residence.

From October 1, the cost of housing and communal services will increase in Russia and depending on the region from 8 to 22%.

From October 1, 2026, the cost of tickets for travel in reserved and common cars on long-distance trains will increase by 9.2%, as well as the cost of luggage transportation will increase.

From October 1, 2026, Russians will cease to issue more than two microloans with a full cost of more than 200% per annum with all interest, commissions and other payments, and from April 2027 - at the same time it will be possible to have only one microloan with a full cost above 100% per annum.