Income from deposits over 210 thousand rubles will be taxed

By the end of this year, income from deposits exceeding 210 thousand rubles will be subject to interest tax. This indicator will change only if the Bank of Russia raises the rate above 21%. Experts interviewed by Izvestia are confident that such a scenario is unlikely.

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By the end of 2025, the key may be reduced to 16%, according to Albert Koroev, head of the Stock market Experts department at BCS World of Investments. To earn 210 thousand rubles, you need to keep at least 1 million rubles in deposits, he added. The amount above this amount will be taxed at the personal income tax rate of 13% (and if income exceeds 5 million rubles — 15%).

Such a fee does not affect the popularity of deposits, as they bring good returns even after tax, said Bogdan Zvarich, head of Banking and Financial Market Analysis at PSB. According to Financial Services, at the beginning of this year, the average maximum deposit rate for a year in leading banks was 20.8%.

VTB predicts that in the first six months of 2025, Russians will receive about 4 trillion rubles in income from interest on deposits. This is one and a half times more than in the same period last year.

Read more in the exclusive Izvestia article:

The calculated rate: income from deposits over 210 thousand will be taxed