The Central Bank of Russia published its November 2025 monitoring results for maximum interest rates on Russian ruble household deposits at the 10 credit institutions with the largest volumes of retail deposits, showing a rise in the average maximum rate between the first and second 10-day periods of the month. The average maximum rate across the top 10 banks was 15.32% for the first 10 days of November and 15.50% for the second 10 days. For reference, average maximum rates by maturity were 14.78% for up to 90 days, 15.11% for 91–180 days, 14.40% for 181 days to one year, and 12.42% for over one year. The methodology covers deposits available to any client without limitations, while excluding special-category deposits, compound interest, rates conditional on meeting requirements (such as card turnover), combined products with additional conditions, and deposits with step-up rates across sub-periods.
Central Bank of Russia 2025-11-26
Central Bank of Russia reports top 10 banks’ average maximum ruble deposit rates rising to 15.50% in mid-November
The Central Bank of Russia reported an increase in the average maximum interest rate on Russian ruble household deposits at the top 10 credit institutions, rising from 15.32% in the first 10 days of November 2025 to 15.50% in the second 10 days. Rates by maturity varied, with up to 90 days at 14.78%, 91–180 days at 15.11%, 181 days to one year at 14.40%, and over one year at 12.42%. The monitoring excludes special-category deposits and those with conditional rates.