There is a growing interest in savings accounts in Russia

In the Russian banking market, customers' interest in savings accounts is increasing against the background of a gradual reduction in the key interest rate. During this period, banks offered maximum profitability over a short horizon of funds placement, so depositors choose products with more flexible savings management conditions. This was reported to Izvestia on March 11 by the VTB press service.

Unlike classic deposits, such products allow you to flexibly manage funds and use them for everyday expenses without loss of profitability.

Experts note that a new model of financial behavior is being formed in the market. According to them, the high rates of recent years have fulfilled a "pedagogical" function, forming the habit of Russians to save money regularly. In 2026, this trend may develop into a more complex savings management strategy, in which funds will be distributed not only between deposits of different maturities, but also gradually transferred to investment instruments, especially among wealthy clients.

The bank believes that there is no universal recipe for distributing savings, but the basic principles remain unchanged. One of the reasonable strategies may be the so—called deposit ladder, in which part of the funds is placed on short deposits for a period of 3-6 months to preserve liquidity, and the other part is fixed for a longer period - from a year. This approach allows you to maintain access to funds and at the same time fix the current double-digit returns for the future if market rates continue to decline.

Read more in the Izvestia article:

Money on the pulse: the popularity of short-term deposits has grown in Russia

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