The Central Bank of Russia published its January 2026 monitoring results on maximum interest rates for household deposits in Russian rubles at the 10 credit institutions attracting the largest volume of household deposits, showing an average maximum rate of 15.10% for the first 10 days of January. For reference, the average maximum rates by maturity were 14.52% for up to 90 days, 14.75% for 91 to 180 days, 14.03% for 181 days to one year, and 12.36% for over one year. The monitoring captures maximum rates available to any client without limitations or preliminary conditions and excludes special-category or purpose-specific deposits, compound interest, rates conditional on requirements such as card turnover or minimum balances, combined products linked to investment or insurance purchases, and deposits with varying rates across sub-periods. The monitored institutions were Sberbank, VTB Bank, Gazprombank, Alfa-Bank, Rosselkhozbank, Bank DOM.RF, Credit Bank of Moscow, TBank, Promsvyazbank, and Sovcombank, using information published on their websites. The Bank of Russia also notes that data on changes in monitoring results are available on its website.
Central Bank of Russia 2026-01-15
Central Bank of Russia reports 15.10% average maximum ruble deposit rate among the top 10 banks in early January 2026
The Central Bank of Russia reported an average maximum interest rate of 15.10% for household deposits in Russian rubles at the 10 largest credit institutions for the first 10 days of January 2026, with rates varying by maturity. The monitoring excludes special-category deposits and is based on publicly available data from institutions like Sberbank and VTB Bank.