The expert named a way to get the maximum benefit on bank deposits

Igor Balynin, PhD in Economics, Associate Professor at the Financial University under the Government of the Russian Federation, told how to get the maximum benefit from bank deposits. Banks began to reduce their interest rates after the Central Bank lowered its key rate on July 25. Meanwhile, some financial institutions still have offers exceeding 18% per annum.

"If, for example, you open a deposit of 200 thousand rubles today for a period of three months at a rate of 18%, then at the end of October 2025 you will be able to withdraw about 209 thousand rubles, including about 9 thousand rubles in the form of accrued interest," Balynin explained in an interview with aif.ru Thursday, July 31.

According to him, if you put the same amount on a six-month deposit at 17% per annum, then by the end of January 2026, interest income will amount to about 17 thousand rubles.

The expert expressed the opinion that in August and early September, interest rates on deposits for a period of three months to a year in most cases will be in the range of 15 to 18%, depending on the term, the bank and the terms of placement.

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

This will happen if the key is not urgently raised above 21 by the end of the year.%

On July 16, Evgeny Shatov, a partner at Capital Lab, told Izvestia that the adopted law on increasing insurance compensation for irrevocable deposits would strengthen citizens' trust in the banking system and stimulate long-term savings. According to him, for long-term depositors, this means reducing risks: the impossibility of early withdrawal is compensated by increased insurance.

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