Deposit calculator 2026 — Russia: interest and the RUB 1.4 million insurance

Deposits in Russian banks are insured by the Deposit Insurance Agency (ASV) up to RUB 1.4 million per depositor in each bank, including interest. In special cases (sale of a home, inheritance and others) the compensation can reach RUB 10 million.

Example for the default values — change any field and the result updates.

Final amount11,047 RUB
Interest earned1,047 RUB
Covered by the deposit guarantee11,047 RUB
Not covered (above the limit)0 RUB

The result is an estimate, not financial or legal advice. Check the exact terms with the company.

Verified companies: Banks · Russia

  1. 1ВТБ100/100
  2. 2ПСБ100/100
  3. 3ЮниКредит Банк95/100
  4. 4Россельхозбанк95/100
  5. 5Райффайзен Банк91/100

See the full ranking

How it is calculated

Interest is calculated monthly at the annual rate ÷ 12. With monthly capitalization it is added to the balance and earns interest itself: final amount = amount × (1 + r)^n, where r is the monthly rate and n the number of months. Without capitalization interest is charged on the principal only and paid out: interest = amount × r × n.

A top-up is added at the end of every month except the last and earns interest from the next month. Interest earned = final amount − the deposit − all top-ups.

The insured amount is the part of the final amount (principal plus interest) within the guarantee limit per depositor and bank; the rest is uninsured. The limit applies to all your accounts in one bank together, so add up your other balances there. Taxes on interest and the bank's own day-count rules are not included.

Frequently asked questions

How much is insured in a Russian bank?

RUB 1.4 million per depositor per bank across all accounts and deposits, interest included. Irrevocable savings certificates in roubles for over 3 years are protected separately up to RUB 2.8 million.

When is the compensation higher?

Up to RUB 10 million for temporarily high balances from the sale of a home, an inheritance, a court decision and some other cases, and for escrow accounts.

Sources